Are IRAs and other retirement plans protected from collection agencies?

Answer 1

No,

A friend of mine had some problems. If/When it goes to court a judge can let the agencies use the accounts to payoff debt. It is a factor in claiming bankrupcy.

They look at it as "If you can afford to save, you can afford your bills"

If you have a problem try to deal directly with the collection agency. They will likely settle the debt for much less.

Answer 2

Generally, social security benefits can't be attached, but other forms of retirement income can.