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The Daily Insight Hub

Can your retirement check be garnished?

Author

Rachel Davis

Updated on February 01, 2026

The U.S. Treasury can garnish your Social Security benefits for unpaid debts such as back taxes, child or spousal support, or a federal student loan that’s in default. If you owe money to the IRS, a court order is not required to garnish your benefits.

Can VA retirement be garnished?

Generally no, debt collectors can’t take your Social Security or VA benefits directly out of your bank account or prepaid card. After a debt collector sues you for the debt and wins a judgment, it can get a court order for your bank or credit union to turn over money from your account or prepaid card.

Can military benefits be garnished?

Generally speaking, VA disability benefits can only be garnished if the individual who is receiving those benefits has waived military retired pay to obtain the VA compensation. In this case, only the amount of disability compensation that was paid in place of the military retired pay can be garnished.

Can military retirement be taken away?

VA Disability Pension If you are imprisoned in a Federal, State or local penal institution as the result of conviction of a felony or misdemeanor, any VA pension payments will end on the 61st day of imprisonment.

What is the 10 10 10 rule in the military?

In this case, “10/10” refers to the length of time the couple must be married in order for the ex-spouse to be eligible for this, and the service member must serve a minimum of 10 years of military service to be “eligible” under this rule. 10 years of marriage, 10 years of service = 10/10.

Can a creditor garnish your military retirement pay?

A creditor with a valid writ of garnishment may garnish both wages and bank accounts. Military retirement pay is exempt from wage garnishment for most debts owed to private companies such as collection agencies, hospitals and credit card companies.

What is the process to garnish the wages of a member of the military?

The garnishment must direct the employing agency to withhold money from the employee’s wages and pay them to either the creditor or the court. State law directs the garnishment process. For questions regarding state law, we recommend that you consult a private attorney. What is the process to garnish the wages of a member of the military?

What can a retiree get garnished for?

Retiree Pay Garnishment. Just like active duty pay, your retired pay may be garnished to pay back debts for things like unpaid or overdue child support, alimony, taxes, bills, and other debts.

What’s the difference between retirement and active duty garnishment?

That is the major difference between active duty garnishment and retirement pay garnishment. Under the Uniformed Services Former Spouses’ Protection Act (USFSPA), child support, spousal support, or a property division are allowable if a court chooses to garnish retirement pay for those requirements.