Can Creditors Garnish a Prepaid Debit Card?

by Darlene Peer ; Updated July 27, 2017
Image of a man holding a debit card.

A prepaid debit card is different from a credit card, because you aren't borrowing money when you use it; instead you are spending money that you or someone else has loaded (or deposited) onto the card. These cards can be garnished by creditors, if they have the card's information.

Difficulty in Garnishing Prepaid Debit Cards

If a creditor cannot find an asset, it cannot have it garnished. Prepaid debit cards don't appear on your credit report, nor are they usually tied to your Social Security number. Since there are so many companies that issue the cards, it can be hard for a creditor to verify that an individual has a prepaid debit card, making it very difficult to garnish one.

About the Author

Darlene Peer has been writing, editing and proofreading for more than 10 years. Peer has written for magazines and contributed to a number of books. She has worked in various fields, from marketing to business analysis. Peer received her Bachelor of Arts in English from York University.

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