If that is the case then you are correct. The money can not be garnished for any regular debts. It is best to inform the bank if a judgement is entered just to make sure that the account has no interruptions. If you are served for a court case, make sure you go so that the judge does not order a garnishment without realizing that the funds are exempt. An ounce of prevention is worth a pound of repair.
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My colleague is correct. Keep all other money out fo the account where SSI or SSDI money is deposited
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If your money is "only" Social Security or SSI it is exempt from garnishment.
This response is meant to be information only and should not be considered to be legal advice. This information is not meant and should not be construed to be the formation of an attorney client relationship. I practice Virginia Workers compensation law and Social Security Disability law.