The Debt Management System (DMS) is a General Support System with multiple sub-systems that have been certified and accredited by the Social Security Administration (SSA). The SSA’s program debt activities, including overpayments, underpayments, and repayments certified to the Department of the Treasury greater than the amount due, are consolidated by DMS, which serves as the agency’s financial management system for ssa dealing with debt. The DMS typically includes details on both Title II (Retirement, Survivors, Disability Insurance) and Title XVI (Supplemental Security Income) program debt, as well as details on the people who are accountable for the debts (such as names, addresses, and Social Security numbers), as well as actions taken in response to the debts, such as the sums collected and written off, methods of collection, and requests for due process from debtors.
Can my Social Security or SSI benefits be taken by debt collectors?
Typically no, the majority of the time, creditors trying to collect debts cannot seize or garnish your Social Security or Supplemental Security Income (SSI) checks. However, certain exceptions are shown below.
- Each year, up to 15 percent of your Social Security benefits might be deducted to cover unpaid federal taxes.
- Other than taxes, any payment exceeding $9,000 per year (or $750 per month) can be used to collect federal debts.
- Your SSI benefits cannot be used to offset the following deductions.
- Your Social Security and SSI checks may be withheld to recoup overpaid benefits.
Your Social Security payments are generally secure if you lack the financial means to pay off your debts. That isn’t always the case, though. You might wish to discuss the potential repercussions with an attorney before deciding not to pay a debt.