Can they garnish my federal government pension or freeze my direct deposit?

Under federal law, pensions cannot be garnished. Bank accounts, however, can be garnished. Once your pension is deposited into the account, if the creditor has a judgment against you, the creditor can apply for a writ of garnishment from the court. If issued, then the bank will have to seize funds from your account to pay the amount listed in the garnishment. If you are also receiving social security benefits, and those are being deposited into the same account, there may be additional protection for you. You should consult an attorney for more specifics.

They cannot garnish the retirement account. However, they can garnish your bank account after the retirement funds are deposited.

It depends on the state where you live. Please understand that bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step. Most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy.

They may have difficulty intercepting your checks poor to deposit, but generally, once the funds are in your account it is fair game. You need an attorney to deal with their attorney!

They cannot garnish the pension at the source which is the government. However, once the money is deposited into your account they can garnish the account. Thus once it is in your account the entire amount can be garnished.