Overview of Disability

Disability Back Pay

Disability Requirements

Disability Applications

Disability Advice Tips

How long do cases take?

How to win Disability

SSD Mistakes to avoid

Disability for Mental

What if you get denied?

How to file Appeals

Disability through SSA

SSI Disability Benefits

Disability for Children

How do I qualify for it?

Working and Disability

Disability Award Notice

Disability Lawyer Q&A

Disability Conditions List

What is a disability?

Your Medical Evidence

Filing for your Disability

Disability Eligibility

SSD SSI Definitions

Recent Questions

SSDRC Disability Blog

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.

Return to:  Social Security Disability Resource Center, or read answers to Questions

Related pages:

Do you get SSI back benefits from the time you were disabled?
Does SSI disability come with automatic medical care?
Disabled with obesity, muscle spasms, bone spurs, advanced arthritis in spine?
How to file for disability in Pennsylvania PA
Tips for veterans filing for Social Security Disability
How many SSD or SSI denials will you get before being approved?
How long will it take to get a decision on SSD or SSI after a medical examination?
Should you get a Statement from a Personal Physician for your SSD or SSI Disability Case?
Can you file for disability with dyslexia?
Social Security Disability denied
Disability denied twice
What does Social Security need from your medical records?
Does a person with severe keratoconus qualify to receive disability?
When do you need a Disability Lawyer for a Case?
How many times will Social Security deny you?

Information on the following topics can be found here: Social Security Disability Questions and in these subsections:

Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI

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