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Can Social Security Be Garnished?Written by:  Sharon Cameron.Creditors can haunt you for years. Typically, there is a statute of limitations which is around seven years for old debts to fall off of your credit. Even so, the creditor can sell your debt at which time the old account is renewed. When a creditor wins a lawsuit against you, your wages can be garnished. As you reach retirement age, can you continue to be garnished while receiving social security? It depends.Social security is for individuals who have reached retirement age and gained enough working credits to draw on SS. Social security income is for individuals who are disabled. These people obtain SSI if they have never worked or did not work enough to gain the appropriate working credits.SSI can never be garnished. SS can be garnished but only for certain debts. These include delinquent and current child support or alimony. Additionally, if you owe back or current federal taxes or have outstanding student debt, the government can seize wages or property. Other creditors cannot garnish SS. The government limits how much creditors can deduct, even federal agencies. Student debt and IRS cannot take more than 15 percent of your earnings. Child support and alimony can take up to 50 percent of your monthly income.

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