Sometimes due to unfortunate circumstances, like job loss or illness, we have to take debt. 

Unfortunately, defaulted debts can lead to a host of problems, including credit damage, lawsuits and sometimes even wage garnishment.

But main question is can a creditor take your Social Security if they’re collecting on past-due debts?

In general, the answer is no, creditors and debt collectors cannot seize your Social Security benefits.

Even if the creditor wins a court judgment against you for the outstanding debt, Social Security benefits are considered exempt from garnishment

there are certain types of debt that can be taken from your Social Security benefits such as delinquent taxes, alimony, child support and student loans

Most creditors and debt collectors cannot seize your Social Security benefits, as long as you receive them via direct deposit to your bank account.

If you receive your benefits on a prepaid card, these funds are generally safe as well.