I am receiving collection letters and/or phone calls from the creditor.

These sources of income cannot be garnished:

• Social Security Administration (SSA) benefits and Supplemental Security Income (SSI)
• Unemployment compensation benefits
• State benefits, such as cash assistance/Family Independence Program (FIP), Food Assistance Program (FAP), Electronic Benefits Transfer (EBT), State Disability Assistance (SDA)
• Worker’s Compensation benefits
• Student loans, grants, or work assistance
• Veterans Affairs (VA) benefits
• Railroad Retirement benefits
• Black Lung benefits
• Department of Mental Health Family Support Subsidies
• Payments or distributions from an Individual Retirement Account (IRA) annuity
• Income benefits under the Michigan Civil Service Act
• Private health or life insurance
• Disability insurance due to injury or sickness of any insured person
• Home Heating Credit