When you get disability benefits from Social Security, you’re supposed to be able to rest easy. No one can step in and take them just because you’ve made a mistake. The Social Security Administration even has rules protecting you so this kind of thing can’t happen.
Unfortunately, those rules aren’t working like the SSA intended for some people. Sure, they keep creditors from garnishing recipients’ benefits, but the rules don’t stop them from trying. And often it was the act of trying that ended up causing problems.