I have been practicing collections law in the State of Michigan for over 30 years. We often defend individuals who are being sued for credit card debts and creditors who are collecting debts. I recently researched this question for another client.
Social Security benefits can be protected from creditors under Federal law. In order to avoid garnishment of the same the Social Security proceeds should be deposited into a separate account. This account should be used for Social Security payments only and for no other purpose. No other moneys should be deposited into this account.
Should the account be garnished an objection to the garnishment should be filed. I would suggest retaining an attorney if this happens.
Please note that Social Security benefits are treated differently than most other benefits. For instance, with some exceptions for spousal support and child support, most employment benefits under ERISA, such as pensions ets., cannot be garnished . However, once they are deposited into an account they can be garnished. Social Security is different and is afforded more protection from creditors.
I hope this helps. If you would like to discuss the matter further please feel free to contact me for a free phone conference which is offered to all callers.
You can access my contact information by clicking on my name below.