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jean
Joined: 01 Jan 2007
jean's page
Posts: 1
75 Magic Points
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Subject: Can SSDI be garnished?
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Mon Jan 01, 2007 1:36 am
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| 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? |
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george
Joined: 06 Jul 2006
george's page
Posts: 75
2859 Magic Points
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Mon Jan 01, 2007 7:52 am
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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. |
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landrycarr
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Subject: Can SSDI be garnished
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Mon Jan 01, 2007 8:33 pm
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| 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. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Wed Jan 03, 2007 8:24 pm
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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 |
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angel
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Subject: laws
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Tue Jan 09, 2007 8:38 am
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| do you ave a link to find out the things your state allows |
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Leanne
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Audrey
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Subject: Social Security
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Tue Oct 16, 2007 2:29 pm
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| 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 |
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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 601
11 Magic Points
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Wed Oct 17, 2007 3:16 am
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| 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 |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34747 Magic Points
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Wed Oct 17, 2007 4:08 am
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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 
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Regards,
Laura. |
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