Can the following be garnished - Pension, Roth IRA?
Can your Pension or Roth IRA be garnished in the state of Michigan?
If you have an unpaid bill, a creditor or collection agency might threaten garnishment. Garnishment is a legal procedure to take your money, for example from your bank account or your wages. But garnishment is not allowed until a court has determined that you owe the money. A creditor can not garnish any of your income until it first sues you and gets a court judgment. Then it is called a judgment creditor.
However, certain income is exempt from garnishment. Under state law, an IRA cannot be garnished and pension benefits can not be garnished before they are paid to you.