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Can Social Security and retirement income be garnished?

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Dan
Guest






Subject: husband and bills
 
Posted on Tue Apr 06, 2010 4:03 am  

Big red... Only if you have joint accounts.otherwise you're 100% responsible.
georgia55
Guest






Subject: Garnishment
 
Posted on Wed Apr 07, 2010 7:19 pm  

Can you tell me if I only get a postal retirement check and Toyota is trying to collect around $4000.00 on a car that they repossessed after my chapter 13 was over after six years. I live in Tennessee.
Mrs. B.
Guest






Subject: credit cards
 
Posted on Wed Apr 07, 2010 11:11 pm  

The bank where my husbands S.S., my S.S.D., and his pension from the state are direct deposited, gave him 3 credit cards totaling $23,000.00. Now payments are not manageable anymore. Know they cant' take S.S. or S.S.D., but can they take Indiana state pension? Bigger question is, why would they give credit cards knowing our only incomes are the above? Thank you.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: garnishment
 
Posted on Thu Apr 08, 2010 6:51 am  

Hi Georgia:

If the debt was included in the bankruptcy, you may not have to pay the dues anymore. Any debts included in the bankruptcy, remains noncollectable, even after the discharge of the bankruptcy. If the creditor is still calling you for the payments, you can inform them that this debt was included in the bankruptcy. Thus, there is no fear of getting sued for this.

However, if this debt was not included in the bankruptcy, you need to pay that off. Otherwise, you may get sued or your car may get repossessed.

Mrs B:

Nether Social Security nor pension can be garnished. However, you need to declare to the bank that all your money comes from Social Security and pension. As for the issuance of the credit cards, the bank is concerned with their own business. It is their job to issue cards. If you were aware that you will not be able to pay, you shouldn't have taken the cards.

Thanks,

Aaron
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Diana Lynn
Guest






Subject: Can They Ganish My Alimony I Get?
 
Posted on Fri Apr 09, 2010 5:14 am  

Hi. I just turned 62, am on early retirement in Wisconsin. I get $475 a month alimony from my ex, part of his pension from a divorce court-ordered QDRO of $520.17 a month. My SS will be from taking some of my ex';s work credits, because I never worked but 2 years in my life. I am to start getting $721 the second week in April 2010. I have Credit Card debts from using them for living, because I was only getting that $995 a month. I have a car that I pay $305 a month on, and I still will pay that. I rent for $710 (split with roommate), and I will comtinue to pay that and my phone & electricity. I own nothing of value, just my clothes and a few older things (electric). My computer is on one of the Credit cards, and I would continue to pay that. I just have 3 cards that I cannot afford to pay any longer on. I don't want to go Bankrupt again. I did in 2000, and I only have this debt because of having to live. Can they garnish my court-ordered pension from my ex? Or 'any' part of my SS? Or my alimony? There are only 3 cards, and they total $9,500 total (roughly). I am only paying minimum payments now, and let's face it. I probably won't live for 20-some years to pay them off. I am in bad health, cannot see a doctor because I have no health insurance. I can't even afford food. I go to Food Pantries. If you could help me on this, I would appreciate it, because I have no extra money to hire a lawyer. My Illinois friend says that I can just stop paying them. I will get nasty calls but that they will stop after a while. She said I can do an do an "informal" BK by simply just stopping paying on the debts." I, personally never heard of this. Is this an Illinois thing? I owe now taxes to the government, no medical bills or hospital bills. I rob from Peter to pay Paul every month and hand-wash my clothes and put them on hangers on the shower rod.
Thank-You for allowing me to ask these questions.
God Bless....
Diana Lynn.
Diana Lynn
Guest






Subject: I Spelled Something Wrong On Last Post
 
Posted on Fri Apr 09, 2010 5:18 am  

I meant I do NOT owe anything to the government for taxes. I don't have anything taken out, and I don't owe...but I make them out as a formality.
God Bless...
Diana Lynn.
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: garnishment of alimony and social security
 
Posted on Fri Apr 09, 2010 7:48 am  

Hi Diana,

Social Security and alimony cannot be garnished. However, all these depends on the state laws too. Thus, you need to check out your state law on garnishment on received alimony and social security.

Thanks,

Aaron
_________________
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georgia55
Guest






Subject: Garnishment
 
Posted on Sun Apr 11, 2010 9:32 pm  

I get a postal retirement check and I want to know if this check can be garnished or sued for a debt. This is my only income and I live in Tennessee. Thank you.
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: garnishment
 
Posted on Tue Apr 13, 2010 12:04 pm  

Hi Georgia,

Generally speaking, retirement pay cannot be garnished. However, it can be garnished for alimony purposes and for child support. Garnishment laws also vary according to the state. Thus, you can check your state laws on garnishment.

Thanks,

Aaron
_________________
Keep in touch Smile
if you receive social sec
Guest






 
Posted on Fri Apr 16, 2010 12:19 am  

We signed for a car for our grandson and he could'nt make the payment when he lost his job. We turned it back in voluntarily, and have made monthly payments for what they could not recover. We are on social security and retirement with a parttime job. Can they garnisher our earnings.
Josh Smith
Guest






Subject: Garnishment
 
Posted on Mon Apr 19, 2010 4:25 pm  

Hi,
recently a credit card company began garnishing my account for an unpaid debt I had (about 4800). The trouble is I do americorps and that's my only income. Also I thought americorps was govt. so am I exempt for garnishment? Does it matter that I received a summons the day after they began taking from my acct.?
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: garnishment
 
Posted on Tue Apr 20, 2010 8:24 am  

Hi Guest:

Generally speaking social security and retirement payments cannot be garnished. However, you have said that you have already made the payments for the deficiency amount. Thus, can you tell as to why do you think that your account may get garnished?

Josh:

You need to go to the court and vacate this judgment. Show the proof that you received the summons after they have started garnishment.

Thanks,

Aaron
_________________
Keep in touch Smile
Mickey B.
Guest






Subject: Bankruptcy
 
Posted on Tue Apr 20, 2010 10:46 pm  

I'm in deep dodo, I have an outstanding credit card debt of approximately 50k. I am having to give a Motorhome back to the lender Approximately 78K. This is all due to forced retirement and social security. I do not own real property or have much in the way of assets. If pensions and social security can't be touched, is it necessary to file bankruptcy ? I really have nothing to lose, except my 710 FICO.
Thanks for your time! Mickey
Guest







Subject: forclosure on a home
 
Posted on Thu Apr 22, 2010 5:33 pm  

can the mortgage company or bank turndown my willingness to pay them on monthly pay plan? ...... and in doing so .... garnashi my retirement pay...
marie trutter
Guest






Subject: retirement benefit
 
Posted on Fri Apr 23, 2010 1:37 am  

can my retirement benifit that i receive from my work be garnished when i retire for credit card debt

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