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Can SSDI be garnished?

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jean



Joined: 01 Jan 2007
jean's page
Posts: 1



75 Magic Points
Subject: Can SSDI be garnished?
 
 Posted on Mon Jan 01, 2007 1:36 am  
My credit card debt is overwhelming me. One bank turned my account over to an attorney. The attorney's office on the phone told me that they will begin to garnish my income. My only income is SSDI. Can they do that?
 
george

george

Joined: 06 Jul 2006
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Posts: 75



2859 Magic Points
 
 Posted on Mon Jan 01, 2007 7:52 am  
Your SSDI cannot be garnished until and unless you owe any governmental debt that is in default. But the creditors can go after your bank account if your SSDI is deposited there.

In general, only the Financial Management Services which is a part of the US Department of Treasury, has the right to garnish the SSDI.
 
landrycarr
Guest
Subject: Can SSDI be garnished
 
 Posted on Mon Jan 01, 2007 8:33 pm  
Thank you George for your answer. This only involves credit card debt. I have read that if your checking account only has your SSDI or SS payment showing up as a credit, they cannot garnish your SSDI check. They can garnish other deposits in your account. I am waiting for an appointment with Legal Aid to help me cope with this issue and debt issues.
 
carol

carol

Joined: 27 Jun 2006
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Posts: 372



10224 Magic Points
 
 Posted on Wed Jan 03, 2007 8:24 pm  
Hi Landrycarr,

As per new laws on garnishment it is possible in some states, you will have to check out the laws in your states on this.

Carol
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Carol
 
angel
Guest
Subject: laws
 
 Posted on Tue Jan 09, 2007 8:38 am  
do you ave a link to find out the things your state allows
 
Leanne
Guest
 
 Posted on Tue Jan 09, 2007 6:56 pm  
Angel,

You can go through this page to get detailed information on state wise garnishment laws and procedures - http://www.fair-debt-collection.com/state-garnishment-laws.html

Leanne
 
Audrey
Guest
Subject: Social Security
 
 Posted on Tue Oct 16, 2007 2:29 pm  
I am on social security solely. I have some outstanding debts that I am paying back, but find myself without any money at end of month. Ive told the collection places that the only money I have is my ss. Can they still demand payment
 
Morningstar

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 609



40 Magic Points
 
 Posted on Wed Oct 17, 2007 3:16 am  
Quote:
Can they still demand payment


Of course they can; you owe the money...being on SS does not change that fact. You are within your rights to pay what you can (or not at all), and they are within their rights to sue you for payment (which they may not do, if the debt is for a relatively low amount and/or they do not believe they would be able to collect from a judgment).

You can, however, send them a letter demanding that they only contact you through the mail, i.e., to not call you anymore.

If your debts are too much of a burden, you may also seek relief through bankruptcy, or attempt consolidation or settlement.
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I don't dream since I quit sleeping
 
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1407



34536 Magic Points
 
 Posted on Wed Oct 17, 2007 4:08 am  
Well if you owe the money and it is legit then they will ask for a pay back. Consolidation can be an easy option. If nothing works go for a settlement. This will atleast wave off your interests and extra fees and charges. If nothing works at all you will be left with nothing but bankruptcy to file.

Good luck Smile
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Laura.
 
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