Q: Can a creditor garnish my SSI/bank account if that is my only income?
A:
A creditor may issue a garnishment to your depositary institution, which puts a (bank) hold on your account, but it is on you to file a prompt Objection (in PA, your Objection is filed with the issuing Sheriff, and must be filed in ten days from date of garnishment summons). And your bank notifies you, not the creditor).
SSI is exempt from creditors, but the procedure works against you.
Best to use experienced counsel.
Timothy Denison agrees with this answer
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A:
If your Supplemental Security Income (SSI) is your only source of income, it is generally protected from most creditors. Federal law ensures that SSI benefits cannot be garnished to pay off debts, providing you with a safety net to cover your essential needs.
However, there are exceptions to this protection. Debts such as federal taxes, child support, or alimony may still lead to garnishment of your SSI benefits. It's important to be aware of these specific circumstances where garnishment is allowed.
Regarding your bank account, protections are in place to prevent creditors from taking funds directly from your SSI deposit. Banks are required to honor these protections, ensuring that your essential funds remain accessible to you. If you encounter any attempts to garnish your SSI or bank account, seeking legal advice can help you understand and enforce your rights.
Timothy Denison agrees with this answer
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