Social Security benefits are generally protected from garnishment by debt collectors under federal law.
While Social Security is protected, there are exceptions for certain types of debts, like federal student loans and unpaid child support.
The government can garnish Social Security benefits to repay federal student loans, even if you are retired or disabled.
Social Security benefits may be garnished for child support or alimony obligations, as they are considered priority debts.
The IRS can garnish Social Security benefits to collect unpaid federal taxes, including income taxes and certain other tax obligations.
Some states may allow garnishment of Social Security benefits for debts like state taxes, but these instances are rare.
Even when garnishment is allowed, there are strict limits on the amount that can be taken from Social Security benefits, ensuring a minimum standard of living.