Who Can Steal Your Social Security Check? (IRS, Loans & Courts)

Can the government take your Social Security check? In 2026, the rules for garnishment are stricter than ever. If you owe money to the IRS, have student loans, or owe child support, your benefits could be at risk. But not all debts are treated equally—and some benefits, like SSI, are completely protected.

In this video, I do a deep dive into the "Big 5" debts that can garnish your Social Security, how much they can legally take (15% vs. 65%), and the "Safe List" of creditors who cannot touch your money. Plus, I explain the critical difference between Retirement/SSDI and SSI when it comes to wage garnishment.

In this video, we cover:

✅The "Big 5" Creditors: Who has the power to garnish your check before it hits your bank account.
✅The 15% Rule: How Federal Student Loans and IRS Tax Debts affect your benefits in 2026.
✅Child Support & Alimony: Why these are the most dangerous debts for Social Security recipients (up to 65%).
✅SSI vs. SSDI: Why Supplemental Security Income is "bulletproof" against garnishment.
✅Bank Account Freezes: How to use the "Lookback Rule" to protect your money once it’s in the bank.

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👨‍🏫 ABOUT DR. ED WEIR, PhD Former Social Security District Manager | Former Marine Sergeant. I’ve helped millions of Americans navigate the bureaucracy of Social Security, Medicare, and retirement. I am here to help you get the benefits you earned.

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⚖️ DISCLAIMER I am not an attorney, tax advisor, or SSA employee. The SSA makes all final decisions. Chapter (Memoir, Inc.) is a private partner. Links included may be affiliate links which help keep this content free. For official info, visit Medicare.gov.