The link below will show you a list of items you can claim as exempt from execution or garnishment in CA. You do not need to file BK to claim the exemptions but you can if you want to get the debt discharged so they do not attempt to collect on your "non-exempt" assests should you have any or win the lotto in the future.
Under the State law exemptions, if you do not file BK, you can exempt upto 2500 dollars in equity in one motor vehicle under 704.010. Under 704.080 you can exempt upto $2700 in SS benefits that have been directly deposited in an account.
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If you do not file BK and just want to claim an exemption, then the law will allow you to claim upto $2700 in SSI in an account as exempt from garnishment. So if they try to garnish the account, say today, and you have $$5700 balance right now, the creditors can garnish $3000. This is assuming that the $5700 got into the account through direct deposit (assuming from the SSA).
In this case, you would fill out an exemption form at the time that they serve you with the writ of garnishment and the form to claim the exemption usually comes with the writ.
If you do file BK and choose the federal exemptions instead of the state exemptions, then 100% of your money received from SSA is exempt from garnishment.
If you file BK and claim the federal exemptions then there is no problem, your SSI is safe even if it is not direct deposit and there is not cap in the amount.
If you decide to not to file BK and thus decide to claim CA State exemptions, the rules require that the SSI must be deposited in to your account by direct deposit. So, if you are not gettting SSI payments through direct deposit, you need to see if you can get that done. Then, you will be able to claim upto $2700 of it exempt. So, lets say that you get 3 direct deposits for $1,000 and do not use any of the money so that now you have $3,000 in the account, the creditors can get $300 of the $3000.
OK . THX , SO . UNFORTUNITLY , I NEVER HAVE MORE THAN 1.000.00 IN MY ACCOUNT THEASE DAYS . AND MY CAR IS AND OLDER ONE . MAYBE WORTH 3000.00 IF IM LUCKY . SO THEY CANT GET ANYTHING FROM ME . IF THAT IS CORRECT . THEN THANK YOU FOR YOUR TIME .
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