"Though some protections exist for people struggling financially during the COVID-19 pandemic, thanks to the stimulus package signed into law on March 27, they largely ignore those who were already on the edge of financial ruin. The CARES Act has paused federal student loan debt payments and payments on federally-backed mortgages, and various cities and states have suspended evictions. But few states have stopped creditors from moving ahead with , repossessions, and attachments (one-time seizures of bank accounts). This means that in many cases, the pandemic will tip people [...] into an economic abyss from which it will be difficult or impossible to recover. Even the one-time $1,200 stimulus payments promised to millions in the U.S. can be garnished by financial institutions in many states. [...] About one-third of Americans have debts in collection, according to the . Total reached an all-time high in the last quarter of 2019, at $14.5 trillion, according to the . Unemployment checks are supposed to be protected from creditors, but even they are at risk of seizure once they are deposited into bank accounts. To protect their benefits, debtors must file a court motion, which is challenging in scores of jurisdictions where the coronavirus has closed most courts. People who do succeed in filing motions are being told they must wait weeks and sometimes months for their cases to be heard. In the meantime, the funds remain frozen."