A judgment creditor cannot attach social security benefits unless it is unclear that the money involved is from social security. So the smart thing to do is to make sure that the social security is direct deposited and that no other funds go into the account to avoid issues relating to "comingling funds."
Each state sets their own criteria for what property is protected from judgment creditors. These laws are called exemptions, and a link to a general description of what is protected is below. Hope this perspective helps!
If the only money in the bank account comes from SS, they cannot garnish.
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No, the creditor would not be able to garnish social security payments and his property may or may not be fully exempt if he doesn't own much. That does not mean that the creditor cannot still get a judgment against him, call him into court from time to time to determine if he has assets or any changes in gaining assets, etc. Judgements in Indiana are good for 20 years.
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Social Security benefits are exempt from garnishment except in cases where the debt is owed to the government or to satisfy a child support order. Until about May 2011, a person receiving Social Security benefits would have to prove to the bank that the income was exempt – many times after it had already been garnished. But the U.S Department of Treasury now requires banks to be proactive and protect Social Security and some other federal benefits from garnishment.
Any benefits that are directly deposited into the account are protected from garnishment up to a value of two months' payments or the value of the account, whichever is less. When a bank receives a garnishment order, it must review the account and protect any federal benefits directly deposited into the account during the previous two months. So, for example, if you get a direct deposit of Social Security benefits of $2,000 each month, any amount of $4,000 or less in your account at the time of the garnishment would be safe Any money in your account over the equivalent of two months of your benefit amount would not be protected and could be garnished.
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