Deciding when to begin collecting your Social Security benefits could be one of the most important retirement-income decisions you'll make. The difference between a good decision and a poor one could cost you tens of thousands of dollars over your retirement, so do your homework.
Whether your Social Security benefits are garnishable or not depends on who you owe. Banks and other financial creditors, for example, can't touch your Social Security checks. But if Uncle Sam is collecting on a debt, some of your benefits are fair game. Here's what you should know.