In Southwest Florida, we have an aging population, and many people who come to the Dellutri Law Group are on social security. Federal law says that no creditor can touch social security benefits. With Chapter 13, we have to look at it from two aspects: The first is social security and the means test, and the second is social security without the means test. Social security is not included in the means test budget. When you go to fill out your paperwork, you'll put social security and income in Schedule I, but you're not required to use social security money to pay back your debts. In bankruptcy, you never have to worry about your creditors touching your social security. Watch the video for more information.