I am fully disabled and unable to work. A law firm is attempting to collect on a two year old credit card debt. My only income is from Social Security Disability. Does Federal Law protect my disability income? If so, what should I write to the attorneys to stop their letters demanding payment? My accident (and determination of full disability) occurred after the charges on the credit card.
8 responses so far ↓
1 KrazyKyngeKorny
From creditors, yes. From the IRS, no.
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2 malik g
by federal law yes you have to pay what you owe
3 robocop48
As far as I know SSDI cannot be garnished…tell them to bugger off.
4 Doodlestuff
It can’t hurt and may get them off your back since they can’t draw blood from a rock. Another thing you can do is offer an amount you can afford to end the debt. Say 50% of the debt and they call it even. They can’t garnish your check in any way.
If you have no assets, then write them and tell them that you are now disabled and unable to repay the debt. It’s up to them to take you to court then. If you owe Discover Card, then it will go to court.
5 Metallicamoon
Hi Tertium, 1st: Hope you are doing well! 2nd: Respond to this “obsurdity” via phone/correspondence. 3rd: Provide them[lawyers]with a “fictious character, complete with address and phone/fax#. If “Andy Dufresne” could get away with it, then so can you. FYI…You might want to move, change your name…or fill-out an “application” for the WPP. (Witness Protection Progam) LOL! J/K J/K P.S. I hope you get things back on track. XOXO Moonpie
6 taylormade4golf
Pensions of any kind can not be garnisheed.
What they would normally try to do is to either workout a long term, interest free repayment plan, or write it off as a business loss.
I think your local representative can assist you with this matter, they are there to represent the people.
7 mnmama
I just read an article on this i’ll attach it. It says that no creditor (not including government) can garnish you if you are collect social security. You should write a letter to the creditor and ask them to stop contacting you. Legally they should stop.
8 Carolee D
The poster who said creditors no, the IRS yes, was correct. And there are other things that can be garnished out of a disability check, such as child support and student loans.
(this page references social security retirement, but the answer is the same for social security disability as well)