Sports
SSA - English
SSA - USA Latino
Taxes - English
Social Security benefits can be garnished, but this depends on the type of payments and the nature of the debt. Common reasons for garnishment include overdue financial obligations such as unpaid taxes, federal student loans and child support.
There are strict limits on how much creditors can deduct, ensuring that some of your benefits remain protected. There are also certain debts that cannot be garnished from Social Security, such as credit card debt.
3 most common Medicare scams in 2025
For those who rely on Social Security payments for their basic expenses, this knowledge can provide some relief.
How the embargo works
This week in Culture: The best of the Met Gala and the one filmmaker to look out for at Cannes 2025
Government agencies, employers and creditors have the authority to garnish a portion of your Social Security benefits to cover unpaid debts.
For example, under the Consumer Credit Protection Act, an employer may withhold income for child support payments if a court order so requires.
However, garnishment of benefits does not always require a court order. The IRS, for example, can garnish Social Security benefits without a court order.
Even so, there are specific regulations governing this process, depending on the circumstances.
Child support
You will be subject to a levy of up to 50% of your Social Security benefits if you support a spouse or child other than the one specified in the court order.
If you do not support another spouse or child, you may be garnished up to 60% of your income after taxes. If you are more than 12 weeks in arrears, you will be garnished up to 65%.
If you are more than 12 weeks in arrears and support another child or spouse, up to 55% of your income may be garnished.
Student Loans
If you default on your student loan, you will be subject to a 15% garnishment rate. However, there is a rule that protects your monthly benefits: the government cannot leave you with less than $750 per month in benefits.
For example, if you received a monthly benefit of $800 and fell behind on some of your student loan payments, you would be subject to a garnishment rate of $120. You would not have to pay the full rate, as a $120 payment would leave you with less than $750 per month. Instead, the government would only charge you $70.
Federal income taxes
The 15% garnishment rate also applies to federal income taxes. If you are behind on your taxes, you will normally have to pay 15% of your Social Security benefits.
Other loans and debts
If you have credit card debt, payday loans, car loans, medical bills or personal loans, commercial creditors cannot access your federal benefits, including Social Security. This applies even if you have overdue payments.
Funds in a 401(k) plan are generally also protected from commercial creditors, as long as they remain in the account. If they do, they are protected by the Employee Retirement Income Security Act of 1974 (ERISA).
However, IRAs have less protection and may be more susceptible to garnishment.
Unless you owe back taxes or child support, banks must review your account history for the past two months. If Social Security benefits or other protected benefits were directly deposited into your account during this review period, the bank must protect those funds.
Please note that, depending on your state’s laws, creditors may still be able to garnish your wages. They may also be able to access other assets you own, such as a house or car.
This news was originally published on this post .
About the author
Francie na senzační výhru nad Finskem nedosáhla
Dnes 11. 5., 23:02Hokejisté Francie byli blízko cennému skalpu, v duelu s Finskem ještě dvě minuty před koncem vedli 3:1, nakonec ale ještě dvakrát kapitulovali a zápas šel do prodloužení. To po 84 sekundách rozhodl Parssinen.DiskuzeSdílejte článek
Craque Neto crava forte candidato ao rebaixamento no Brasileirão
Craque Neto em registro na Rádio Bandeirantes (Reprodução - YouTube) O Craque Neto ligou de vez o alerta sobre rebaixamento para o Vasco, após o revés do time da Colina de virada para o Vitória neste sábado (10), em choque pela 8ª rodada do Brasileirão, em Salvador. Na visão dele, a administração e alguns jogadores estão colocando a equipe a perder. Crítico contundente de Coutinho e Payet, o apresentador da Band voltou a teceu questionamentos à dupla, classificando que há uma valorização excessiva em relação aos jogadores, que pouco entregam ao clube. PUBLICIDADE PUBLICIDADE “Não sei se vocês vascaínos concordam comigo, mas não é inacreditável o Philippe Coutinho? Pega os números dele há uns cinco anos. Só que ele tem o nome. Parece que é o Roberto Dinamite, é o Edmundo, o Romário, não é”, iniciou o Craque Neto. “E […]
Sabu, ECW legend and former WWE star, dead at 60
Terry Brunk, known as Sabu, a revolutionary icon of professional wrestling, has passed away, leaving the wrestling world in mourning.Sabu, an innovator of the violent style and an iconic figure in ECW, died after leaving his mark on several generations. His final match took place in Las Vegas, where he defeated Joey Janela, and his farewell to the public took place at the Tri-State Wrestling Alliance's legendary 2300 Arena.A floating artist! Michael Jordan is 'back' in the NBA through this Donovan Mitchell moveSeveral wrestling companies have already posted on their social media accounts about the passing of one of the pioneers of extreme wrestling. WWE and AEW have already paid tribute.Jaguars' Liam Coen on Travis Hunter at Rookie Minicamp"WWE is saddened to learn of the passing of Terry Brunk, known to wrestling fans as Sabu. WWE extends its condolences to […]
Cruzeiro atropela Sport e cola no topo do Brasileirão
Jogadores de Sport e Cruzeiro disputam bola em duelo na Ilha do Retiro (Paulo Paiva - Divulgação - Sport) Avassalador, o Cruzeiro não tomou conhecimento e afundou ainda mais o Sport na lanterna do Brasileirão, ao superar a equipe rubro-negra pelo placar de 4 a 0, em plena Ilha do Retiro, pela 8ª rodada, e manteve o embalo na caça aos líderes do certame nacional. Incisivo, o time mineiro precisou de apenas 45 minutos para abrir uma frente de 3 a 0, com tentos de Christian, aos 7 minutos, Kaio Jorge, aos 18, e Matheus Pereira, nos acréscimos da primeira etapa. Na volta do intervalo, o próprio camisa ampliou, anotando o seu segundo tento na partida. PUBLICIDADE PUBLICIDADE O amargo revés marcou a estreia do técnico António Oliveira, que teve apenas dois treinamentos antes do jogo contra o Cruzeiro. O […]
Shohei Ohtani and the Dodgers’ secret plan: “They’re preventing him from pitching”
Shohei Ohtani's eagerly awaited debut as a pitcher for theLos Angeles Dodgers may be further away than expected. Despite the fact that injuries have invaded the team's pitching staff, it seems that the strategy may go in another direction.Ohtani threw some bullpen sessions and it seemed that his process was moving closer to his return to the mound, after staying away for the entire 2024 season, due to undergoing Tommy John surgery in 2023.Tampa Bay Rays experience first ever rain delay in their 27 years of existenceAccording to an article by Bob Nightendale in USA Today, it is likely that the Dodgers have decided to postpone until after May their initial plan for Ohtani's return to the mound until after the All-Star Game, which will be on July 15, in order to take care of him a little more and […]
Antonio Brown admits that he secretly loves Tom Brady: Are his online posts a sham?
Antonio Brown is no stranger to controversy, particularly when it comes to his unpredictable social media presence. In recent years, the former NFL wide receiver has raised eyebrows with a string of online posts aimed at his former teammate, Tom Brady.But in a new interview with TMZ, Brown has offered some surprising clarity-claiming he has nothing but respect and love for the seven-time Super Bowl champion.Antonio Brown talks about the conflict between him and Tom BradyWhile Brown's online activity has painted a different picture-featuring memes about Brady's divorce from Gisele Bundchen and even a doctored nude image of the supermodel-he now says it's all part of a broader strategy. According to him, the trolling was more about maximizing online engagement than expressing any true animosity toward his former quarterback."I love Tom Brady, man," Brown told TMZ. Jaguars' Liam Coen on […]
Related
Francie na senzační výhru nad Finskem nedosáhla
Dnes 11. 5., 23:02Hokejisté Francie byli blízko cennému skalpu, v duelu s Finskem ještě dvě minuty před koncem vedli 3:1, nakonec ale ještě dvakrát kapitulovali a zápas šel do prodloužení. To po 84 sekundách rozhodl Parssinen.DiskuzeSdílejte článek
Craque Neto crava forte candidato ao rebaixamento no Brasileirão
Craque Neto em registro na Rádio Bandeirantes (Reprodução - YouTube) O Craque Neto ligou de vez o alerta sobre rebaixamento para o Vasco, após o revés do time da Colina de virada para o Vitória neste sábado (10), em choque pela 8ª rodada do Brasileirão, em Salvador. Na visão dele, a administração e alguns jogadores estão colocando a equipe a perder. Crítico contundente de Coutinho e Payet, o apresentador da Band voltou a teceu questionamentos à dupla, classificando que há uma valorização excessiva em relação aos jogadores, que pouco entregam ao clube. PUBLICIDADE PUBLICIDADE “Não sei se vocês vascaínos concordam comigo, mas não é inacreditável o Philippe Coutinho? Pega os números dele há uns cinco anos. Só que ele tem o nome. Parece que é o Roberto Dinamite, é o Edmundo, o Romário, não é”, iniciou o Craque Neto. “E […]
Sabu, ECW legend and former WWE star, dead at 60
Terry Brunk, known as Sabu, a revolutionary icon of professional wrestling, has passed away, leaving the wrestling world in mourning.Sabu, an innovator of the violent style and an iconic figure in ECW, died after leaving his mark on several generations. His final match took place in Las Vegas, where he defeated Joey Janela, and his farewell to the public took place at the Tri-State Wrestling Alliance's legendary 2300 Arena.A floating artist! Michael Jordan is 'back' in the NBA through this Donovan Mitchell moveSeveral wrestling companies have already posted on their social media accounts about the passing of one of the pioneers of extreme wrestling. WWE and AEW have already paid tribute.Jaguars' Liam Coen on Travis Hunter at Rookie Minicamp"WWE is saddened to learn of the passing of Terry Brunk, known to wrestling fans as Sabu. WWE extends its condolences to […]
Cruzeiro atropela Sport e cola no topo do Brasileirão
Jogadores de Sport e Cruzeiro disputam bola em duelo na Ilha do Retiro (Paulo Paiva - Divulgação - Sport) Avassalador, o Cruzeiro não tomou conhecimento e afundou ainda mais o Sport na lanterna do Brasileirão, ao superar a equipe rubro-negra pelo placar de 4 a 0, em plena Ilha do Retiro, pela 8ª rodada, e manteve o embalo na caça aos líderes do certame nacional. Incisivo, o time mineiro precisou de apenas 45 minutos para abrir uma frente de 3 a 0, com tentos de Christian, aos 7 minutos, Kaio Jorge, aos 18, e Matheus Pereira, nos acréscimos da primeira etapa. Na volta do intervalo, o próprio camisa ampliou, anotando o seu segundo tento na partida. PUBLICIDADE PUBLICIDADE O amargo revés marcou a estreia do técnico António Oliveira, que teve apenas dois treinamentos antes do jogo contra o Cruzeiro. O […]
Shohei Ohtani and the Dodgers’ secret plan: “They’re preventing him from pitching”
Shohei Ohtani's eagerly awaited debut as a pitcher for theLos Angeles Dodgers may be further away than expected. Despite the fact that injuries have invaded the team's pitching staff, it seems that the strategy may go in another direction.Ohtani threw some bullpen sessions and it seemed that his process was moving closer to his return to the mound, after staying away for the entire 2024 season, due to undergoing Tommy John surgery in 2023.Tampa Bay Rays experience first ever rain delay in their 27 years of existenceAccording to an article by Bob Nightendale in USA Today, it is likely that the Dodgers have decided to postpone until after May their initial plan for Ohtani's return to the mound until after the All-Star Game, which will be on July 15, in order to take care of him a little more and […]
Antonio Brown admits that he secretly loves Tom Brady: Are his online posts a sham?
Antonio Brown is no stranger to controversy, particularly when it comes to his unpredictable social media presence. In recent years, the former NFL wide receiver has raised eyebrows with a string of online posts aimed at his former teammate, Tom Brady.But in a new interview with TMZ, Brown has offered some surprising clarity-claiming he has nothing but respect and love for the seven-time Super Bowl champion.Antonio Brown talks about the conflict between him and Tom BradyWhile Brown's online activity has painted a different picture-featuring memes about Brady's divorce from Gisele Bundchen and even a doctored nude image of the supermodel-he now says it's all part of a broader strategy. According to him, the trolling was more about maximizing online engagement than expressing any true animosity toward his former quarterback."I love Tom Brady, man," Brown told TMZ. Jaguars' Liam Coen on […]
Be the first to leave a comment