Are pension benefits subject to garnishment for credit card debt?

No. * All Social Security benefits, RRB, government civilian, military, all disability and some private pensions are not subject to creditor action. States establish exemption laws, therefore some private pension plans are not fully protected by federal law and can be subject to creditor garnishment. All such benefits should be held in a separate account and made by automatic deposit. Exempted income should never be commingled with other funds, as this can result in a bank account being "frozen" by the court until an assessment is made as to what percentage of the funds are exempt from garnisment. (Exemption laws do not apply to federal or state tax arrearages, child support or in some cases spousal maintenance.)