Can't garnish ex-spouse's Social Security for alimony - court won't submit order
I've spent 3 months trying to collect over $23,000 in back alimony payments through garnishing my ex-spouse's Social Security benefits. I finally got a court judgment allowing this garnishment, but now I'm completely stuck in a bureaucratic nightmare! When I took the garnishment order to my local Social Security office, they told me I can't submit it myself - only the court can submit it directly to SSA. So I went back to the judge's office and they claimed they've "never done this before" and don't know how to submit it. Their exact words: "We have written the order so we are done here." I feel like I'm in an impossible situation. Social Security won't accept it from me, and the court refuses to submit it themselves. I've called the SSA helpline twice but couldn't get any information about where exactly the court needs to send this order. Has anyone successfully garnished an ex-spouse's Social Security benefits for alimony? How did you navigate this process? Which specific SSA department handles these garnishment orders? I'm desperate for some practical guidance here.
32 comments


Zainab Ibrahim
I went through this exact situation last year. The court DOES need to submit it - specifically to the SSA's Office of Central Operations in Baltimore. The judge's clerk needs to send the certified garnishment order to: Social Security Administration Office of Central Operations Court Order Garnishment Unit P.O. Box 2861 Baltimore, MD 21241 Print this information and bring it directly to the judge's clerk. The garnishment can only apply to 65% of their benefits at most, per federal regulations. Make sure the court order specifically references Section 459 of the Social Security Act which permits garnishment for alimony.
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Miguel Castro
•THANK YOU SO MUCH! This is exactly what I needed. I'm going to print this out tomorrow and take it to the clerk's office. Did you have any issues once the court submitted it? How long did it take for the garnishment to actually start?
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Connor O'Neill
my brother had to do this and said it was a NIGHTMARE. took almost 8 months to actually get the money flowing. keep calling ssa every week to check on status once court sends it in. good luck!
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Miguel Castro
•8 months?? That's horrible... I've already been waiting so long for these payments. At least it worked eventually for your brother. I'll definitely stay on top of it with weekly calls.
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LunarEclipse
The judge's office is being lazy and unhelpful. They absolutely CAN and SHOULD submit this for you - it's literally their job! I work in family law and we handle these regularly. The court must submit Form SSA-1990 along with the certified court order to the SSA Central Office. Print out Form SSA-1990 (Income Withholding for Support) from the SSA website, fill out your part, and bring it to the clerk with firm instructions. If they still refuse, ask to speak with the court administrator or file a complaint with your state's judicial oversight committee. This is not okay!
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Yara Khalil
•I disagree with this completely. I went through a similar situation but from the other side (my benefits were being garnished). The SSA specifically told my ex that courts CANNOT initiate the garnishment process. Only the person owed money can do it by filing form SSA-581 with their local office. Then the SSA contacts the court for verification. People on here giving bad advice without knowing the ACTUAL PROCESS is so frustrating!!!
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Keisha Brown
Have you considered using Claimyr to speak with a SS agent directly about this? I was stuck in a similar bureaucratic loop (different issue but same run-around) and couldn't get through on the phone for weeks. I used claimyr.com and they got me connected to an actual SSA agent in about 20 minutes. The agent walked me through exactly where my court needed to send the paperwork. Saved me so much time and frustration! You can see how it works here: https://youtu.be/Z-BRbJw3puU
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Miguel Castro
•I've never heard of this service! At this point I'm willing to try anything to get this resolved. My ex owes me over $23k and I'm drowning in bills. Going to check out that video now, thanks for the suggestion!
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Paolo Esposito
I help my clients with these situations regularly. Here's what's happening: there's confusion because there are TWO different types of garnishments: 1. Income withholding for child support/alimony (which CAN be taken from Social Security benefits) 2. Regular civil garnishments (which CANNOT be taken from SS benefits) Your court probably wrote a regular civil garnishment order rather than a proper income withholding order specifically for Social Security benefits. That's why SSA rejected it. You need to go back to court and ask for an "Income Withholding Order for Support" that specifically references Section 459 of the Social Security Act. The court must then send this to the SSA Central Office in Baltimore. Some clerks aren't familiar with this process because SS garnishments are less common than regular wage garnishments.
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Miguel Castro
•This makes so much sense! The judge DID write a standard garnishment order without any specific reference to Social Security or Section 459. I'll request a corrected order right away. Do you know if they can amend the existing order or will I have to file for a new one? The filing fees are really expensive.
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Paolo Esposito
•They should be able to amend the existing order without additional filing fees since this is essentially a technical correction. Bring a copy of the SSA guidelines (available on ssa.gov) that outline the proper format for these orders. Ask specifically for an "Income Withholding Order for Support" under Section 459 of the Social Security Act, and explain that the previous order was rejected for being improperly formatted. Most judges will correct this without requiring a new filing.
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Amina Toure
my sister tryd to do this and SSA said NO WAY they don't garnish for regular debts EVER!!! are you SURE they can even take money for alimony?? i think maybe you got bad info
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Zainab Ibrahim
•Social Security benefits CANNOT be garnished for regular debts (credit cards, medical bills, etc.), but they CAN be garnished for alimony and child support. That's a special exception under federal law - specifically Section 459 of the Social Security Act. This is a common misunderstanding that makes this process so complicated.
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Connor O'Neill
this happened to my friend and she went to her congressman's office for help!! they have caseworkers who deal with SS problems and they sorted it out in like 2 weeks! try that maybe??
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Miguel Castro
•I hadn't even thought about contacting my representative. That's a great suggestion if I can't get anywhere with these other approaches. I'll keep this as a backup plan. Thanks!
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Yara Khalil
Why are you trying to take someone's Social Security check??? That's terrible! Those benefits are protected for a reason - people need them to survive. Your ex worked for those benefits! I don't care what the court says, going after someone's SS check is just wrong.
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Miguel Castro
•My ex owes me over $23,000 in court-ordered alimony that I need to pay my mortgage and medical bills. I've tried everything else to collect for 3 years. The law specifically allows garnishment for alimony because my contribution to our 25-year marriage helped earn those benefits too.
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Yara Khalil
•Well maybe he can't afford to pay you AND survive himself! Did you think of that? SS barely covers basic needs for most people. There's got to be another way besides taking someone's retirement.
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LunarEclipse
•The law limits garnishment to 65% of benefits specifically to ensure the beneficiary still has income for basic needs. The courts don't grant alimony garnishments without considering both parties' financial circumstances. This is exactly why these legal protections and processes exist.
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Kelly Sweetser
•@Yara Khalil how bout he stopped paying my alimony because the girlfriend didn t'like it. I gthhave had to go on welfare and they are hiding assets in her grandchildrens names AND he threatened to kill my son and grandchildren if i took him to court. He is now drawiing SS and that is the only way i can get a FRACTION of what he owes me.
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Lucy Lam
I'm dealing with a similar situation right now and this thread has been incredibly helpful! Just wanted to add that when you do get the proper "Income Withholding Order for Support" submitted to SSA, make sure you keep copies of EVERYTHING - the certified order, the tracking receipt from when it was mailed, and any correspondence. My attorney told me that SSA sometimes "loses" paperwork and having complete documentation saved me from having to restart the entire process. Also, once they do start the garnishment, they'll send you a notice confirming the amount and start date - keep that safe too because it takes forever to get replacements if you lose it. The whole system is frustrating but it does eventually work. Hang in there!
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Christian Burns
•This is such great advice about keeping copies of everything! I've learned the hard way from other bureaucratic situations that documentation is absolutely crucial. I'm going to create a dedicated folder for all this paperwork. It's reassuring to hear from someone else who's been through this process that it does eventually work, even if it's frustrating. Thank you for the encouragement - I really needed to hear that today!
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Keisha Robinson
I'm going through something similar and this thread has been a lifesaver! Just wanted to share what finally worked for me after months of getting nowhere. I printed out the exact mailing address that @Zainab Ibrahim provided and literally stood in the clerk's office until they agreed to send it. The key was bringing a printout of the SSA's own instructions (from their website) showing that courts ARE required to submit these orders. I also brought Form SSA-1990 that @LunarEclipse mentioned - having the actual form seemed to make it more real to them. It took about 6 weeks after the court mailed everything before I got confirmation from SSA that the garnishment was active. The first payment showed up about 2 weeks after that. Don't give up - the system is broken but it does work eventually if you stay persistent!
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Logan Stewart
•This is incredibly encouraging to hear! I love that you actually stood your ground in the clerk's office - that's exactly the kind of persistence this situation seems to require. I'm definitely going to follow your approach of bringing the SSA instructions and Form SSA-1990 as backup documentation. It's so frustrating that we have to educate court staff about their own procedures, but at least now I have a roadmap that's actually worked for someone. Thank you for sharing the timeline too - knowing it took about 8 weeks total helps me set realistic expectations. I'm feeling much more hopeful about finally getting this resolved!
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NebulaNinja
I just went through this exact nightmare last month and finally got it resolved! Here's what worked for me after weeks of runaround: 1. Print out SSA Program Operations Manual Section GN 02410.200 which specifically covers garnishment procedures for alimony/child support 2. Bring Form SSA-1990 (Income Withholding for Support) - get it from ssa.gov 3. Make sure your court order specifically cites "Section 459 of the Social Security Act" and uses the exact phrase "Income Withholding Order for Support" 4. The court MUST mail it to: SSA Office of Central Operations, Court Order Garnishment Unit, P.O. Box 2861, Baltimore, MD 21241 I had to go to the clerk's office THREE times with printed documentation before they finally sent it properly. Once SSA received the correct paperwork, it took about 6 weeks to process and the garnishment started. Don't let them tell you "we don't do this" - show them the federal requirements and stand your ground! The whole process is incredibly frustrating but you're legally entitled to this garnishment. Keep pushing!
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ShadowHunter
•This is exactly the comprehensive guide I needed! I've been struggling with this for months and you've laid out the exact steps with all the specific forms and citations. I'm especially glad you mentioned having to go back three times - that helps me prepare mentally for the persistence this is going to require. I'm printing out that SSA Program Operations Manual section right now along with Form SSA-1990. Your timeline of 6 weeks after proper submission is really helpful for setting expectations too. Thank you so much for taking the time to share the exact process that worked for you - this gives me real hope that I can finally get this resolved!
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Omar Mahmoud
I'm a newcomer here but dealing with a very similar situation right now. Reading through all these responses has been incredibly helpful - especially seeing the specific forms, addresses, and legal citations that actually worked for people. What strikes me most is how many court clerks seem completely unfamiliar with this process, which creates this impossible catch-22 situation. It's clear from everyone's experiences that you really do need to come prepared with printed documentation from the SSA website to educate the court staff about their own procedures. I'm bookmarking this thread as my roadmap. The combination of Form SSA-1990, the specific Baltimore mailing address, and making sure the court order references Section 459 of the Social Security Act seems to be the key formula that's worked for multiple people here. For those still struggling with this - it sounds like persistence and having the right documentation is absolutely crucial. Thank you all for sharing your experiences and creating such a comprehensive resource for others dealing with this bureaucratic nightmare!
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Amara Okafor
•Welcome to the community! I'm also new here and just stumbled across this thread while researching the same issue. It's amazing how this post has become like a comprehensive guide for Social Security garnishment - I've been taking notes on everything mentioned here. The fact that so many court clerks are unfamiliar with this process really highlights a major gap in the system. It shouldn't be up to us to educate them, but it seems like that's the reality. I'm definitely going to follow the approach several people mentioned of bringing printed SSA documentation to back up what I'm asking for. @NebulaNinja your step-by-step breakdown is particularly helpful - I'm going to print that out along with all the forms and citations mentioned. It's reassuring to see that multiple people have successfully navigated this process, even though it required significant persistence. Thanks to everyone who shared their experiences here!
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Admin_Masters
I'm new to this community but currently going through this exact situation with my ex-husband's Social Security benefits. This thread has been absolutely invaluable - I've been struggling for over 4 months with the same runaround between SSA and my local court. What really resonates with me is how many people mentioned the court clerks being completely unfamiliar with this process. I had the exact same experience where they told me "we don't handle Social Security matters" and basically refused to help. It's incredibly frustrating to be stuck in the middle when you're just trying to collect court-ordered support. I'm planning to go back to court next week armed with all the specific information shared here - Form SSA-1990, the Baltimore mailing address, and especially that SSA Program Operations Manual section that @NebulaNinja mentioned. It's clear that bringing printed documentation from SSA's own website is crucial to get the court staff to actually do their job. For anyone else dealing with this, I'm keeping detailed notes on everyone's advice here. The consistency across multiple people's experiences gives me confidence that this approach actually works, even if it requires multiple trips and a lot of persistence. Thank you all for sharing your hard-won knowledge - it's giving me hope that I can finally break through this bureaucratic nightmare!
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Millie Long
•Welcome to the community! I'm also new here and just starting to navigate this same frustrating process. Reading through everyone's experiences has been both eye-opening and encouraging - it's clear this is a widespread problem with court clerks not understanding their role in SSA garnishments. What I find most helpful from this thread is how specific everyone has been about the exact forms and procedures that worked. The fact that multiple people had success using the same approach (Form SSA-1990, the Baltimore address, Section 459 citations) gives me confidence there's actually a reliable path through this bureaucratic maze. @NebulaNinja's step-by-step breakdown and @Keisha Robinson s'advice about standing your ground in the clerk s'office until they actually send the paperwork are particularly valuable. It sounds like we really do need to be prepared to educate court staff about federal requirements they should already know. I m'planning to compile all the documentation mentioned here before I make my next attempt. Having this community resource has already saved me weeks of trial and error. Thanks everyone for sharing your hard-fought knowledge!
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Demi Hall
I'm new to this community but currently dealing with this exact same situation! My ex-spouse owes me $18,000 in back alimony and I've been getting the same runaround for months. Reading through all these responses has been incredibly helpful - especially seeing the specific documentation and procedures that actually worked for people. The most frustrating part is how unprepared the court staff seems to be for these situations. Like so many others here, I was told by the clerk's office that they "don't handle Social Security matters" when that's clearly not true based on federal law. I'm planning to go back next week with printed copies of Form SSA-1990, the SSA Program Operations Manual section that @NebulaNinja mentioned, and the specific Baltimore mailing address. It's ridiculous that we have to educate court personnel about their own procedures, but it seems like that's what it takes. For anyone else struggling with this - the consistency across everyone's experiences here gives me real confidence that persistence with the right documentation actually works. This thread has become my roadmap for finally getting this resolved. Thank you all for sharing your knowledge and creating such a valuable resource for others dealing with this bureaucratic nightmare!
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Caden Nguyen
•Welcome to the community and I'm sorry you're dealing with this frustrating situation too! It's really validating to see so many people sharing similar experiences - makes me feel less alone in this bureaucratic nightmare. The consistency in everyone's advice here about Form SSA-1990 and the Baltimore address has been a game-changer for me. I'm actually planning to make copies of the most successful approaches mentioned by @NebulaNinja and @Keisha Robinson to take with me as a reference guide. One thing I m'wondering - has anyone had experience with what happens if the court still refuses to submit after you bring all the proper documentation? I m'trying to prepare for all possibilities since my local clerk s'office has been so unhelpful so far. The congressional representative option that @Connor O Neill'mentioned might be my backup plan if the direct approach doesn t'work. Good luck with your appointment next week! Hopefully between all the detailed guidance in this thread, we can both finally break through this frustrating process.
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