I am not sure where you found that information about an IRA.
IRAs may be attached by IRS for unpaid tax debt.
I am not certain if other creditors may attach IRAs or not. But doing some reading tells me that in each state the laws are different. It is quite possible that an IRA might be fair game in your state. In fact, I read one case where an IRA was garnished for back child support.
However, qualified plans – pensions, 401(k)s and such may not be attached by IRS or other creditors under ERISA laws (remember OJ Simpson?).
I’d recommend consulting an attorney in your state to see if your IRA can be attached.
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