I was skeptical about several things in the article.  First its hard to sue for past SOL debt- most civil courts recognize this and dont want to be clogged up by it. Second, only four kinds of debt can garnish Social Secuirty: overdue federal taxes, child support, alimony, and student loans. And only for 15% max.  Where some people run into trouble if they comingle a SS bank account with other income.  A SS-only account is protected by banks.