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How to file for disability, Filing for SSI
Disability Requirements, Disability Status
How long is the wait?, Disability Application
The Social Security List of Impairments
Qualifying for Disability, Mental Disability
Disability Lawyer Info, Disability Back Pay

Can Debt Collectors go after my Social Security Disability or Retirement Money?



 
Debt collectors have limits on what they can do that are established by law. That mere fact alone, however, does not stop them for doing what is unethical and illegal such as going after the money held in bank accounts by social security retirement and Social Security Disability beneficiaries.

Basically, when banks receive orders of garnishment, they put a freeze on the individual bank accounts. This happens regardless of whether the money held in the account is from some other source, or is money that has been deposited by the federal government such as SSD. In effect, debt collectors have a way to get around federal law which prohibits the seizure of social security money and banks have been their willing accomplices.

All of that may be coming to an end. The Obama administration is now coming out with newly written rules that are designed to prevent banking institutions from seizing federal benefits, such as SSD and retirement. These rules will require banks to do the following: if they receive a garnishment order, they will be required to check the accounts held by the customer to see if federal benefits have been deposited at any time within the last two months. If federal benefits have been deposited, the bank will be required to protect those specific amounts from seizure.

I view this as a fantastic move by the current administration, something that prior administrations were remiss in addressing (probably wasn't worth their time, I suppose). After all, after finally being approved for disability benefits after possibly years of applications and appeals, why should someone even be in the position of being at the mercy of debt collectors when it is clearly illegal. It is the equivalent of kicking someone when they are down and I applaud the Treasury Dept for finally addressing this issue.








Essential Questions

What is the Social Security Disability SSI list of impairments?

Can you work while getting or applying for Disability?

How Often Does Social Security Approve Disability The First Time You Apply?

Tips for getting Social Security Disability or SSI benefits approved

What medical conditions will get you approved for disability?

What kind of Mental Problems Qualify for Disability?

Receiving a Disability Award Letter

Conditions Social Security will recognize as a disability

Previously answered questions regarding SSD and SSI

Applying for disability in your state



Most popular topics on SSDRC.com

Social Security Disability SSI Questions

The listings, list of disabling impairments

Can a mental illness qualify you for disability?

Disability Lawyers prevent unnecessary denials

How much Social Security Disability SSI back pay?

How to apply for disability for a child or children

Filing a Social Security Disability SSI application

Filing for disability - when to file

How to apply for disability - where to apply

Qualifications for disability benefits

How to Prove you are disabled and Win your Disability Benefits

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These pages provide answers to basic questions about pursuing disability benefits

How to claim disability
Disability claim appeal status
How to get you Social Security Disability status
How does a person qualify for disability benefits?
How do you Apply for SSI?
How Much Income Can you Earn If you draw Social Security Disability?
Can you work if you get SSI?
How long will you get disability after an award notice?
If You Get Social Security Disability or SSI, Will Your Dependents Get A Check?
Social Security Disability denied
Time on a Social Security Disability Decision
How to apply for disability for a child or children
Denied Twice For SSD or SSI Disability, What Do I Do?
f I get disability will my children receive benefits?
Social Security Disability SSI - Retroactive Benefits Vs Back Pay Benefits
How long do you have To Be Out Of Work Before You Get Social Security Disability (SSD)?
How to file for disability and medical conditions
What Does Social Security Consider To Be a Disability?
When does social security consider you eligible for disability benefits?
Qualifying for disability benefits with the social security administration
How to get disability
Will I be approved for disability on my appeal?
How to appeal a disability denial








For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the SSDRC.com homepage and view the "about this site" link near the bottom of the page.