Can creditors come after my social security disability income in the form of a lean for unpaid debts?
Question: I owe a lot of money to some creditors. The only income I have is social security disability, plus I also own my house. Can the credit card company get a social security disability lien and take my income or my house?
Response: The credit card company itself cannot take anything or put a social security disability lien on your income. A lien can only be put on a home and income can only be garnished by a court of law, so your creditors would first have to get a judgment against you. Often, credit card companies do not pursue this because it is expensive. Even if the credit card companies do get a judgment against you, courts typically will not garnish, or take money, from social security disability income in order to pay a judgment unless you owe money to the IRS or for student loans that have different repayment rules and laws.
If the credit card company gets a judgment against you, it is possible the court could put a lien on your house if you cannot pay the judgment, but this is relatively rare. Your best option would be to contact a qualified attorney who specializes in credit card debt settlement or negotiation before the case escalates to the point where a lien or garnishment becomes a possibility.
Answered by Christy Rakoczy
Additional Resource: Property Liens
Disclaimer: This site does not provide legal advice and users of this site should not interpret any of the information presented here as legal advice. The information provided merely conveys general information related to commonly asked legal questions. We are not a law firm and the employees responding to questions are not acting as your legal attorney. You should ultimately consult with a Lawyer for your case.