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No, your sister's social security benefits CANNOT be garnished under Section 207 of the Social Security Act for a credit card debt (and most other debts). Here's a link to the SSA's website that outlines this: http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/426/~/garnishing-social-security-benefits-due-to-a-debt
If your sister has no assets and no income (other than SSA payments), then she is basically considered judgment proof - which means that a creditor cannot collect from her. In this case, it is not really necessary to hire an attorney if she cannot pay the debt and if she cannot contest the validity of the debt.
An attorney cannot stop the creditor from suing and taking a judgment, but if the judgment is not collectible, then it really makes no difference for your sister.
That said, I would encourage your sister to make sure she has no other assets, because if the creditor takes a judgment, it can seize property to satisfy the debt. If she owns anything of value, then I would recommend that she consult an attorney about trying to negotiate a settlement OR to file bankruptcy to have the debt discharged.
Please let me know if you have any additional questions related to this issue. Also, please positively rate our conversation so that I may receive credit for my research and response.
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