Q: Please read more information below
I am 71 years old and live only on social security and two very small pensions totaling $400. Can my income be garnished if I cancel my debt relief company.
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A:
In most cases, Social Security benefits are protected from garnishment by creditors. However, there are a few exceptions where your Social Security income can be garnished, such as for:
1. Federal income taxes
2. Federal student loans
3. Child support and alimony
4. Victim restitution
If your debt doesn't fall into one of these categories, your Social Security income should be protected from garnishment, even if you cancel your debt relief company.
Your pension income, however, doesn't have the same level of protection as Social Security. In some cases, creditors may be able to garnish a portion of your pension income, depending on the type of debt and the laws of your state.
It's essential to note that even if your income is protected from garnishment, creditors can still take legal action against you, such as filing a lawsuit. If a creditor obtains a court judgment against you, they may be able to pursue other collection methods, such as liens on your property.
If you're considering canceling your debt relief company, it's advisable to consult with a qualified attorney or a non-profit credit counseling agency to discuss your options and potential consequences. They can help you understand your rights and guide you through the process of managing your debt.
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