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Can SSDI be garnished?

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

92 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?


Joined: 06 Jul 2006
george's page
Posts: 69

2855 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.

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.


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30060 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.

Keep in touch

Subject: laws
Posted on Tue Jan 09, 2007 8:38 am  

do you ave a link to find out the things your state allows

Posted on Tue Jan 09, 2007 6:56 pm  


You can go through this page to get detailed information on state wise garnishment laws and procedures -


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


Joined: 17 Apr 2007
Morningstar's page
Posts: 576

11 Magic Points

Posted on Wed Oct 17, 2007 3:16 am  

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.
I don't dream since I quit sleeping


Joined: 21 Jun 2007
Laura's page
Posts: 1327

36211 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
charlesc 0444

Subject: can the us dept of justice gatnish my ssdi money
Posted on Wed Nov 10, 2010 12:03 pm  

i was placed on probation in 1997 and have a restitution of 486.000.000 and have not made a payment in 18 years can the dept of treasuary garnish mt ssdi money?

Subject: SSDI Garnishments
Posted on Thu Aug 18, 2011 1:38 pm  

YES, SSDI checks can be garnished, but only if the debt is a Federally backed loan (student loans) or Federal taxes.

The amount is capped at 15%. But I'm still trying to find out if that 15% is per each debt or total. Hoping it's in total.

As to accepting settlement agreements...that's a joke for most people on SSDI. When you get to the point of needing SSDI in the first place, well, most people anyway, you're already wrecked financially and can barely afford food. I entered a repayment agreement with Windham for my student loans, paid on time for almost a year and then they turned around and attached my SSDI check for an additional amount. That in turn caused me to not be able to pay other bills. So, I stopped paying them. If they're going to attach me anyway I might as well let it be applied to the 15%.

Subject: Felony probation when all I have is SSDI?
Posted on Tue May 08, 2012 6:24 pm  

In the state of Florida are you required to pay felony probation when you live off of Disability?
Sharon Riggs

Subject: SSDI
Posted on Sun Jul 20, 2014 11:27 am  

My son receives SSDI, he is mentally ill. He was married and was divorced a year ago. There is a auto loan involved, in which my ex daughter in law is the one that purchased the auto and my son is a co-signer. She has recently filled bankrupty including this loan. Can they go after my sons SSDI for repayment of this loan? Also he was on SSDI went the loan was first signed.

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