When debt collectors start calling, mailing, threatening, and harassing, it can be overwhelming. Consumers often find it difficult to separate the truth from scare tactics. Unethical debt collectors might threaten consumers with anything, including garnishment of Social Security disability benefits.
For consumers receiving disability benefits, or Supplemental Security Income, this can be stressful and terrifying.
So first, let me reassure you–your disability income is exempt from creditors, with a few exceptions (i.e. back taxes, child support, some student loans.)
If a bill collector is contacting you and claiming that your disability benefits are at risk, contact a local consumer attorney immediately. These threats and lies are a violation of the Fair Debt Collection Practices Act (FDCPA) and are punishable by law.
In addition, if your disability income has already been garnished by a debt collector, act fast! A skilled consumer attorney can help reverse the garnishment and your disability funds will be reimbursed.