If you don’t have a bank account and you wait anxiously every month for the mail carrier to deliver your check from Social Security, Direct Express® is for you. If you already have an account with a financial institution, ask us about Direct Deposit. Direct Deposit is the easy, convenient way for your benefits to go automatically into your account.

A debit card is sent to the person and can be used anywhere a credit/debit card can be used including ATM’S. You can pay bills online with a $00.50 per payment fee. I called this company and ask them about the ability of others to freeze the account and I was told the federal government for tax purposes was the only ones that could freeze the account.

I hope this information helps others. If it does please tell others.

Here is the law as it applies to SS and SSD monies. People need to become better informed as to their rights under the law so that they can effectively respond to the credit card companies and collection agencies.
Section 207 of the Social Security Act (42 U.S.C. 407) protects Social Security benefits from assignment, levy, or garnishment. However, the law provides five exceptions:
Section 459 of the Act (42 U.S.C. 659) allows Social Security benefits to be garnished to enforce child support and/or alimony obligations;
Section 6334 (c) of the Internal Revenue Code (26 U.S.C. 6334 (c)) allows benefits to be levied to collect unpaid Federal taxes;
Section 3402 (P) of the Internal Revenue Code allows beneficiaries to elect to have a percentage of their benefits withheld and paid to the Internal Revenue Service to satisfy their Federal income tax liability for the current year;
The Debt Collection Act of 1996 (Public Law 104-134) allows benefits to be withheld and paid to another Federal agency to pay a non-tax debt the beneficiary owes to that agency: and
The Tax Payer Relief Act of 1997 (Public Law 105-34) authorizes the Internal Revenue Service to collect overdue federal tax debts of beneficiaries by levying up to 15 percent of each monthly payment until the debt is paid.
The Social Security Administration’s responsibility for protecting benefits against legal process and assignment usually ends when the beneficiary is paid. However, once paid, benefits continue to be protected under section 207 of the Act as long as they are identifiable as Social Security benefits using normal banking practices. For example, only social security benefits are deposited into a particular bank account.
If a creditor tries to garnish your social security check, inform them that unless one of the five exceptions apply, your benefits cannot be garnished. You also may want to provide this same information to your financial institution and seek legal assistance if you believe it is needed.
NOTE: Supplemental Security Income payments cannot be levied orgarnished.

So the banks lobby the federal and state governments to make it easier to collect on debts. They also make it so that all levels of government are dependent on bank borrower to finance their operations.

The government regulators won’t bother going after this type of practice because it would hurt the banking industry to decrease the power of the state that collectors can tap into to pursue bad debts.

People are being thrown in jail for not paying unsecured debts, having their bank accounts that receive SS payments deposited into, and having assets stolen just so the government can keep in the good graces of the banks.

FTW