Can Social Security and retirement income be garnished?

My situation seems very small in relation to the figures quoted by so many of the posters. I owe a very small amount, less than 2,000 dollars, to a credit card company, but have not been able to pay anything, since I'm on a fixed income (workers' comp, and soon SSI)

I want to pay off this debt, but.. The main issue is that I can't pay the amount set by the collector as a sizable first payment. I've asked that they help me find a smaller amount each month that I can pay, but so far they have refused that amount.

When you have an income as limited as mine, hundreds of dollars can equal thousands...if I don't have it...I can't fork it over. Any suggestions? The company seems determined to force the issue over this 250 dollar amount..but to me it might as well be 2,500 dollars...I simply don't have it. We're actually in the red at the end of each month unless we get a windfall from something (like a garage sale) and I'm all saled out. We're practically sitting on boxes as it is.

I will NEVER use credit cards again, and my credit has already been damaged, anyway. What recourse do I have? Can I offer to pay smaller amounts in a monthly payment? Will the company have to accept them?

Thanks for listening

my house is not for sale but i was wondering if i did sale it and i have a judgement against me for non payment of a credit card for 5,000. would they get the money out of my equity? it would not be a short sale.

I'm the person who posted the original question. No, my husband and I have no intention of selling our home. I have since found out that in the state of NY where I live, a home can have a lien attached to it, but we are not forced to sell our home. If and when we do sell the home, the lien would come due..but by then I could have paid off the money owed.

As I stated above..the amount of money is small..and I'm perfectly happy to repay it, but I need payments I can manage. I'm actually thinking that I may just let this all go to court, and allow a judge to determine how much each payment is to be.

I don't understand why this company would be so eager to take this money amount to court, since it is so small. Surely they realize that if they work with me, they'll get their money so much sooner. We're talking a difference of a couple of hundred dollars as a first payment...which is unachievable for me, since we live virtually paycheck to paycheck, having only SSI, partial benefits from workman's compensation, and a job that pays me less than 100 dollars per month.

It's very frustrating. Very.

I have a credit card company wanting to collect on a 11 yr old account that i believe i paid a settlement to about 5 yrs ago but have not found my proof what can i do

can a debt collector garnish my unemployment checks

me and my mom have a joint checking account, she gets ssi and retirement funds direct deposit into the account, we can no longer afford to make the credit card payments, I called the bank we bank with, and explained that my mom's ssi benefits cannot be garnished, they stated that they could, I said they could not, she was protected undet section 207 of the ss act, they suggested we close the account and get an account for her only, my question is, I have another checking account with another bank, I was going to have all the deposits go there and then close the account after I get my mom her own account, that way, they could not garnish her money nowing it is only ssi and retirement, as for me, if I change to another bank, will they find out that account and try to garnish my funds?

I have only ss & retirement to pay my credit card debt. I am 81 years old. What can they do to me?

My husband and I draw social securty, And because of an long illness and no income before we received s.s We have a credit card debt of 13000. We have been paying on this now 10 yrs with very little progress. If we stopped paying would they get our car which is old or our mobile home which also is old but all we have to drive and live in.

i am being sued for a check that i wrote out, this company claim i wrote the check in 2006. i don't even remember this, shouldn't they send me some kind of document proving this was me. shouldn't they allow me some time to pay something if it's mine instead of taking this to court. they asked me some questions on the phone and i answered, but not really remembering this. the guy got mad at me and hung up in my face while i was trying to make a reasonable arrangement i thought.

My mother has over 50k in bed credit card debt, she doesn’t work and her only income is SS. One credit card company capitol one bank, filed a complaint in our local courthouse and serviced her with a notice to file an answer to the complaint at the courthouse which we did explaining that the only income received is SSI. About a week later the attn for cap 1 sent motion for judgment on the pleading pursuant to rule 12 (c) A.R.C.P and a notice of disclosure statement. on the last page of the motion for judgment papers it states this matter having been regularly presented, IT IS ORDERED plaintiff is granted judgment on the pleadings against defendant, NAME, and then lists the principal, deductions, accrued interest thru 09/01/09 at %10 accrued costs thru day of judgment, reasonable attn fees and a total judgment figure , but where it is to be dated at the bottom it is blank and where the justice of the peace is to sign it is also blank!

they claim that in this case defendant does not deny the debt owed to plantiff, but merely states the defendant does not have the money to pay the entire debt

It goes on to say that since defendant doesn’t deny liability for the debt owed as required by rule 8(e) supra., plaintiff requests the judgment be entered into the plaintiffs favor. This and other pages are stamped with the attorney’s name.

No where does it mention that the answer sent to them and filed with the court states that the only income received is SSI.

Can they get a judgment without a hearing with my mother present? All I read everywhere is they can not garnish her SSI! That is all the income she has period! If they get the judgment what are legal ramifications facing my mother as again her income is SSI!

I thought are answer explaining that she only receives SSI would stop these legal matters.
When we filed the answer in the courthouse they told us we would get a hearing date in the mail but all we have gotten is this. Nothing from the court only from the plaintiff’s attn

the apartment my mom stays in is in my name and so are all her bills (elect, cable, gas, h2o) she pays these out of her checking account and its the only account she has, which only source of funding is ssi and the occasional deposit I put in to help her. Can they debit this account, I have read all the posts and I take that they cannot, but we should let the bank know that the only funds coming in are form ssi., correct?
Sorry for the long post but I the letters look very intimidating even though they creditor attorneys know via the answer that the only income she has is SSI!

I myself could afford to pay this debt for her but I know I am not at al liable for it, and feel if I did this then the rest of the credit card companies would start coming after her as well? Would they not?
Thank you for taking the time to read this and any help you can give us ion the matter.

I RECEIVE SSD AND MY GRANDCHILDREN I AM RAISING RECEIVE PUBLIC ASSISTANCE. FREQUENTLY, I PICK THINGS UP FOR MY PARENTS AND THEY REIMBURSE ME. SOMETIMES THE CHECKS CAN BE SIZEABLE. CAN THEY GARNISH THAT MONEY THAT IS JUST BEING PAID BACK? UNLESS THEY AGREE TO A LARGE REDUCTION WITHOUT INTEREST, I WILL NOT BE ABLE TO PAY AT ALL. WHAT ARE MY ODDS?

I only receive SS, I own no property and have no car. I owe 3 cc companies. I cannot make ends meet. Should I file bankrupcy or send a letter to them and make arrangements or? Will my other cc company that I have no balance withdraw their card?

I have been trying to settle my credit card debt. i've already closed down most of the accounts and agreed to pay each month by bank draft. now i find out that my husbands health insurance is going up so high that i will have to help pay on that bill and i can no longer pay what i agreed to. if i just stop all payments can they do anything to me? my only income is social security disability. the debt is only mine. i do not own a home. my husband and i have two older cars not worth much. no money in the bank. his income is below poverty level.

i am a retired office worker living in another country collecting ss and pension which are directly deposited into my u.s bank account. this is the only money going into this account. i have some outstanding credit card debt over one year old. do i need to notify my bank in case these credit card companies try to attach my bank account? also this is a difficult question, can my step child who i know is eligible to collect ss because of me, she is under 18 do so if i am owing credit card debt?

RE:
worldwide asset purchasing , CAN MY BANK ACCOUNT BE GARNISH
WITHOUT A JUDEMENT AGAISNT ME?

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My mom ss check is deposit in joint saving account in my bank. c
Can the garish the account

In 3 weeks I will be 63 years old. I work for the State of Nevada. I am eligible for S.S. and retirement. Due to the economy I have had a reduction in pay ( furloughs ). I just want to pull the plug and retire. I have substantial CC debt, some medical debt, and I have a Motor-home financed. There's no way I can pay my debt with my SS and retirement. Can the CC company's and the lender on the motor home come after me for this debt. I will have no money, just my retirement and SS. Will they garnish this income. Thanks for your time.

I have debt and disable I have a checking acount all that goes into it is my disabilty check. my mother also has a checking acount
in her name with my name as power of attorny should i get my
name off of the acount

can a credit card company take me car to settle an outstanding debt..or take things from my house?

Can a credit card company freeze my joint bank account with my husband? I am also the custodian for my child's bank account. Can they freeze that account, too?

SINCE I'AM DRAWING DISABILITY SS MY INCOME CAN'T BE GARNISHED, BUT CAN A CREDIT CARD COMPANY TAKE ANY OF MY VECHICLES? I DO HAVE A TRUCK & A MOTORHOME THAT IS FREE & CLEAR. CAN THEY TAKE ANY OF MY VECHICLES?

if i die, can a creditor go after my life insurance - thanks

My husband had 2 Heart attacks in Feb. we both are 69 we have had no work and I could see that I couldn't pay 3 of my credit cards from the same company. I called before I became late and told them the situation and that I could not make arrangement for payments as all we had was SS coming in. I told them if it changed I would call and pay but nothing has changed except I get calls all day long. I got a letter saying they could sue if I didn't pay in full or make arrangements (which I cannot do) I have told them my story many times. All the cards are in my name with my husband as an extra card holder. Can they do anything to us.

I owe about $30,000 on credit cards due to dental implant work. I am now unemployed and cannot pay. Really worried about the consequences. I am married and on Social Security. These cards are in my name only. Help!

A judgement was recently put on me for an investment property I purchased a couple years ago...I can no longer pay it and was asked by the Banks attorney to fill out paper work for my assets car ownership etc...Now the attorney wants to deposition me..
Since last week the Bank has gone under...Will the attorney now lay off because they are under investigation by the FDIC and no longer in business...

Can a credit card company garnish Long Term Care Insurance benefits?

Hi, I know I posted this elsewhere but I cant get it to come up. This placeseems to be the right place to ask the question...

My only income is from Social Security Disability Retirement, child support and an Police Officer Industrial-Disability retirement. I saw somewhere once a letter you could send to your banks informing them that your income is exempt from Judgments, but now I cant find it. ( I am in California). Does anyone know how I go about protecting my bank accounts from attachment? I have not been served any summons, but I had fraud years ago and I know the SOL is appoarching...

Thanks in advance

I am unemployed and working out a payment plan with a credit card company. Am I required to tell them about income I receive from court ordered maintenance?

I live in Oregon state and have medical bills that my insurance will not pay co pay ect. can my civil service retirement be garnished

I have a judgement against me on a credit card i cannot cash a check anywhere is this legal

I have caller ID and when I got home tonight, I had 3 phone calls from Reno, Nevada from First National Collection Agency. I have no idea why they are calling me as I don't owe anything that I'm behind on. I just have one credit card and two houses and one of the houses is paid for. Do you think this is a scam? By the way, I just got my phone number a couple of months ago when I switched from ATT to Comcast. My number is unlisted.

However, about a month ago someone from NCO called my office looking for someone with my same name for a student loan that was 41 years old. They had the wrong SSN so my employer told them they had the wrong person. Well a couple of weeks later, they called back and asked to speak to the office manager. This time they told her I was applying for credit and they needed to verify employment. She gave them my SSN and all of my information. Now this past Monday I received a letter that they are tryhing to garnish my wages and they have substituted the other SSN with mine. I called them and pointed this out and they said it was up to me to prove that I wasn't using two SSN's and that I would have to come up with my dad's old checks to prove he paid for my education. The name is the same as mine but it is a common name, but the SSN isn't mine. Anyway my dad has been dead for over 20 years and I have no such supporting documents. NCO claims they are working on behalf of the Dept. of Education. Is it legal for them to switch SSN's on an account. They told me that the Fair Debt Act does not apply to student loans and that I would have to pay the original debt of $2000 plus $11,000 in interest and collection fees. I'm about to have a nervous breakdown as I don't have any extra money and I didn't know anything about this debt. They haven't sent me any documents yet to verifiy the debt but they have already requested information from my boss on garnishment. What in the world should I do???

IF I AM A SERVER AND RELY MOSTLY ON TIPS AND MY PAYCHECKS ARE 'ZERO" DUE TO INSURANCE, TAXES AND CHILD SUPPORT HOW WILL THE GARNISHMENT WORK

My wife and I live off my military retirement. We are currently helping my wife's parents and the up keep of their farm. When I was working, I took out two store credit cards to help my son start his business. However, the business has failed and he is currently looking for employment and can't make the payments for those credit cards. I know they are in my name, but we can't make the payments for those two cards. If the payments are not met, can they garnish my retirement?

My mother, who is 83 and has alzheimer's, owns no property. She has a old debt from a credit card co. and they keep calling her and stating they are going to take her social security earnings. She does not know what they are talking about(alzheimer's) and I would like to know if they can take her social security earnings. This is her only income.

MY DAD PLAY GAMES WITH LIE'S HE IS THE DIRECTOR FROM THE IMPULSE RESEARCH IN CALIFORNIA AND THE OWNER DIE HIS WIFE HAS ALZHEIMER'S MY DAD REALLY PLAY WITH HIS SALARY SEND A LETTER HIS WAGES WAS REDUCE FROM THE ECONOMY AND HE WILL BE WORKING PART TIME HE REALLY CONTROL THE COMPANY AND HIS LIFE IS TO BE VERY DISHONEST PERSON.

My only income is social security and i received a summons due to a charge card do i need to respond to this if so is there a sample response available

we have filed for bankrupsey, our lawyer says we need to put our social security checks in a saving account and have the retirement check put in a checking account, but as I understand it neither one of these can be attached in the bandrupsey is this correct?

My elderly parents are on a fixed social security income and the only debt he owes is a credit card payment. They both have suffered broken bones and major surgeries recently and cannot pay the credit card. The interest rate is 29% and he had been paying for years on this credit card and little principle has been reduced. The only charge on the account if for Credit protection plan insurance of $105 a month. He can not continue to pay this now that he has no income other than SSI. What is his option?

I took advantage of buying personal things like a tv and food and a sum for paying off a personal loan. The card was meant for business. Do I have to pay tax on this as income . I get 800 ss.