I am considering sending the creditor a Letter stating this fact and asking them to stop all attempts to garnish my bank account. Further, under Michigan and federal law, my income cannot be garnished. Do i also need to answer the summons and complaint with the court in order to protect my rights? If so, after answering the items listed in the complaint, do i need to include that Social Security is my only source of income. I have time to mail the Answer to the court, is this an acceptable alternative to hand delivering?