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there are rules .First you must know your states debit retirement time limit . What this means is after a certain time if the debt is not collected it is retired and no one can come after you for it . Then some incomes are protected  but when you deposit it or have cash it can be taken . You are not defenseless and you have some protections. Time to do your homework . Try a google search for Protections From Garnishment For Retired people.  Then Garnishment rules for state of ..............   Then uncollected debit retirement in .............. Enter your state here . Bad news some debits are not retireable ie judgements from injuries etc. Each state is different . If you are low income see if you are eligible to consult with a lawyer for free . Its Called Legal aid    Good luck              Bill