It depends on what a judge says. Social security is protected when no other money gets deposited into the account, but in some states, if even one dollar of unexplained money goes into the account, it can be considered to be comingled and thus vulnerable. The bank and/or the court should be able to provide you with the forms to claim an exemption on the money in the account, but you need to act immediately. You have an argument to get the money returned, but this was a foolish way to have arranged for the social security benefits to be handled. Hope this perspective helps!
While social security benefits cannot be garnished, if the money is commingled with other funds then you do not have the same protection. The social security benefits need to be placed in a separate bank account to avoid this problem.
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Yes they can be. However, if you can prove that the funds that were in the account were traceable to social security, you could have the garnishment released. In the future all social security payments should be placed in a separate account and no other funds should be deposited in that account.