A collection agency is trying to collect on an old debt that's past the SOL & I'm on disability. I read somewhere that they can garnish your social security disability money if it's deposited into your acct. Is this true? I wrote them a validation letter & received a "verification" letter back with their letterhead, org institution, open & charged off date that shows it's passed the SOL. What should my next move should be? Write them back or just ignore it. If I should write them back, what should it say? I know my SSDI is judgement proof but have read people's SSDI direct deposit was garnished. I understand in order for it to be garnish, I would have to be summoned. How do some people get their money garnished without a summons? Do I need to switch to another bank acct?Or have the gov't send me a check instead? I know I have a good defense if I had to appear in court with it being passed the SOL, right? I would like to avoid having it get to that point if possible. Also the amount is really high, 5 digits high! Is that possible? Unfortunately I don't have the original agreement for the unsecured card anymore & I also have no assets or mortgage. Lastly, if the acct # & amount they are using don't match up & everything else does, could I dispute that with the credit bureaus to have it taken off my CR?