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Most creditors and debt collectors cannot take, or threaten to take, your stimulus payment.

Produced by Massachusetts Law Reform Institute
Created May 2020

Can creditors take my stimulus payment?

Most creditors and debt collectors cannot take, or threaten to take, your stimulus payment.

But the Department of Revenue can take your money.

Will I get a payment if I am behind on my student loans?

Yes. Your stimulus payment will not be affected if you are behind on student loan payments.

Will I get a payment if I owe back federal taxes?

Yes. Your stimulus payment will not be affected if you are behind on federal taxes.

Will I get a payment if I owe back child support?

Maybe not. Massachusetts Child Support Enforcement may be able to take some or all of your stimulus payment if you are behind on the child support you owe.  

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