Social Security

I have joint account with my son. I deposit only my social secority check. If I am ued and the creditor gets a default judgement and makes a levy against the joint account, are all funds judgement proof? My son is not a party to the judgment.

My bank is in violation of Section 207 of the Social Security Act (42 U.S.C. 407), which protects my direct deposited benefits check from levy. How do I proceed with a formal charge with these violation of the Social Security Act?

I have been living separately from my wife since August 2000 and now I have been served with papers to finalize a divorce proceeding which was begun in 2006 and claim 1/2 of my retirement income which I depend upon to survive. I am unemployed and physically unable to work or even get to the courthouse. I have been examined by a Dr. paid by the Social Security Disability determination and told that I appear to have GRAVE'S DISEASE, ATAXIA and DISEQUILIBRIUM and in the opinion of the Dr. I should be in a hospital. However I have no medical insurance or ability to pay for Dr. office exams or pharmacy bills. Is there any way a person like myself can take actions to defend myself in a court of law or am I just at the mercy of the system?

I retired and applied for social security. I was told that because my wife once worked for the railroad that I would receive railroad benefits instead of social security. She passed away at age 62. She worked ten years for the Railroad . She filed for Railroad Retirement but never got to collect her benefits. Railroad Retirement transferred me into social security and told me I wasn't eligible to receive anymore benefits from them. It has been five years. Shouldn't I be eligible to receive survivor benefits and why did they transfer me into social security ?

I am a 100% Disabled Veteran receiving benefits from the VA at 100%. As such I am also being paid 100% benefits from Social Security Disability. I lost my home to foreclosure in June 2010. I had a HELOC [Home Equity Line]. I do all my banking with this same bank as the HELOC. I have two checking accounts. One for my SS and one for my VA payments. The accounts are named as such and no other funds enter these accounts. They are 100% NON Co-mingled. The bank just withdrew out 3 months of HELOC payments from the SS account $ 1665.00 and $ 108.00 from the VA account. As a result I am bouncing checks for other bills that have already been mailed. They state that when I applied for the HELOC I listed my disability payments on the application, therefore, the are exempt from federal regulation and they are free to garnish whatever they please. Through my research I have found 5 exceptions to Title 423 Sec 207. AS follows:1- Section 459 of the Act (42 U.S.C. 659) allows Social Security benefits to be garnished to enforce child support and/or alimony obligations;2- Section 6334 (c) of the Internal Revenue Code (26 U.S.C. 6334 (c)) allows benefits to be levied to collect unpaid Federal taxes;3- Section 3402 (P) of the Internal Revenue Code allows beneficiaries to elect to have a percentage of their benefits withheld and paid to the Internal Revenue Service to satisfy their Federal income tax liability for the current year; 4- The Debt Collection Act of 1996 (Public Law 104-134) allows benefits to be withheld and paid to another Federal agency to pay a non-tax debt the beneficiary owes to that agency: and 5- The Tax Payer Relief Act of 1997 (Public Law 105-34) authorizes the Internal Revenue Service to collect overdue federal tax debts of beneficiaries by levying up to 15 percent of each monthly payment until the debt is paid. The Social Security Administration's responsibility for protecting benefits against legal process and assignment usually ends when the beneficiary is paid. However, once paid, benefits continue to be protected under Section 207 of the Act as long as they are identifiable as Social Security benefits using normal banking practices. For example, you have a particular bank account just for SSI deposits If a creditor tries to garnish your social security check, make them aware that unless one of the five exceptions apply, your benefits can not be garnished. You also may want to make your financial institution aware and seek legal assistance if you believe it is needed.NOTE: Supplemental Security Income payments cannot be levied or garnished. If only these 5 exceptions apply, how can I get my money returned?