How to protect social security from garnishment

fireyone_02 · Joined: 20 Mar 2008 Posts: 281 2.17 Dollars($)

There are alot of people who don't even relize the ss benefits are not garnisnable. If they do, most are unable to go about getting it stopped. It really is such a small m onthly amount. If it were garnised how would a person survive. Especially in this day and time.

jbarto65 · Joined: 04 Nov 2007 Posts: 623 -0.20 Dollars($)

True, this is especially true if it is just an SSI check versus a SSD, which would go on what the person's wage record was when they worked and paid into social security.

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

There is a big difference between the two benefits, one is just if you are not able to work, this benefit is available to anyone wages in their history or not.

Social security disability is a benefit that goes to disabled individuals that have a work history and have had their wages reported to the social security administration. If for some reason you can not do your current employment and there is no other reasonable employment available that you can do to support yourself and your family, you can then file for this benefit. The social security administration will then determine what amount that you will get monthly. You may also be eligible for medical benefits in all likelihood.

It is important that if anyone is recieving these benefits that you know what the law is surrounding these benefits. One of them being that the benefits can not be garnished. Hope this helps you get a better picture of the two different benefits.

fireyone_02 · Joined: 20 Mar 2008 Posts: 281 2.17 Dollars($)

Great post ERB. I was always confused about the different SS. I use to get death benefits for my son and was always asked what these benefits were. I could never figure out what to check so I always checked SS. Hope I got it right.

Posted: Sun Jun 15, 2008 10:25 am Post subject:

I think you got it right, for a dependant child it is usually just plain old social security.

jbarto65 · Joined: 04 Nov 2007 Posts: 623 -0.20 Dollars($)

That was me, do you understand what I mean about a plain old social security benefit, it is payable to dependants upon your death, kind of a survivor benefit of sorts.

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

dependant or survivor insurance in on the SSD side of the house, this is part of what you pay in when you are working. however, kids that are dependants of individuals that recieve SSI also get some type of monthly benefit, but it is my understanding that it is not much a month.

jbarto65 · Joined: 04 Nov 2007 Posts: 623 -0.20 Dollars($)

Yes, and those who work and are unfortunate enough to die before their dependants are old enough to take care of themselves afford this benefit to their children.

My father passed away when I was six, he was a vietnam veteran so we recieved a monthly check from the veterans administration and the social security administration, it was a pretty healthy sum of money each month.

It is a benefit that is not often thought about, but it is put in place to take care of the children of someone who has put their time in at a job and was a productive citizen.

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

A working persons benefit, I agree but there is a smaller benefit for those who did not put enough work time in to collect the higher one, you can find all the information on the social security website.

jbarto65 · Joined: 04 Nov 2007 Posts: 623 -0.20 Dollars($)

big differenes in the amount though right?

erb1953 · Joined: 24 May 2008 Posts: 79 0.19 Dollars($)

Oh yeah, depending on how long you worked and how much that you have paid into the social security system.

Guest

I SENT A CERTIFIED LETTER TO THE BRANCH AND MAIN OFFICE OF THE BANK WHICH GETS MY DIRECT DEPOSIT ADVISING THEM OF THE SOCIAL SECURITY ACT SECTION 207 (42U.S.C. 407 )

sara · Posted: Wed Jul 02, 2008 5:04 am Post subject: RE:

Hi allen,

Welcome to the forums.

You mean your creditor is trying to garnish social security? is that why you sent the letter?

jbarto65 · Joined: 04 Nov 2007 Posts: 623 -0.20 Dollars($)

If at all possible you should go into the branch of your bank and try to talk to them one on one, I think that you would get better results this way.

fireyone_02 · Joined: 20 Mar 2008 Posts: 281 2.17 Dollars($)

I would agree. I also think their had to be some judge who ordered your bank account attatched. If this is the case you need to contact that judge. If you signed up for direct pay to one of these companies (which means you agreed to have them take out a monthly payment automatically each month) then I would contact them and send proof that these are ss benenfits, a copy of the certified letter and ask them to desist in withdrawing from your bank account. Keep a record of all of this. What you did with the bank is a good start but I would also go down in person and ask to speak with a bank manager about this matter.

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