Asked by Allelk48  |  Submitted July 12, 2016

My husband and I are both on Social Security. We have overwhelming medical bills that are in collection. Can our checks be garnished?

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  Answers  |  2

July 13, 2016

Hi Allelk48.
Sadly, there are many folks in this situation. You should discuss this with your legal advisor or attorney. I would also suggest that you contact a debt counseling service provider. Choose wisely and ask questions to clarify your needs. Here are some government links with additional information:

If a collector tries to garnish money from your bank account, your bank must look at your account history to see if you received any Social Security or VA benefits by direct deposit in the last 2 months. The bank must protect 2 months' worth of benefits from garnishment and let you use that money. If your account has more than 2 months' worth of benefits, your bank can freeze the extra money.

Social Security and Social Security Disability Insurance (SSDI) can be garnished to pay government debts such as back taxes or federal student loans, and debts for child or spousal support. Some other benefits, such as Supplemental Security Income (SSI), are protected from garnishment – even to pay a government debt or child or spousal support.

Hope this helps and feel free to contact us directly to discuss further. No obligation

It's not what you make; it's what you keep that determines your lifestyle.

$commenter.renderDisplayableName() | 10.19.20 @ 15:38


February 15, 2018

Social security is protected by federal law it can't be garnished. Unwanted collector contact can be stopped by sending a cease and desist letter.

$commenter.renderDisplayableName() | 10.19.20 @ 15:38