TN 65 (04-26)

GN 02403.156 Money Orders Received from Bankrupt Money Order Companies

A. Introduction Money order company declared bankruptcy

There may be occasions when a money order company declares bankruptcy, or otherwise goes out of business or closes its account.

B. Procedure Money order company declared bankruptcy

Whenever a field office (FO) becomes aware that a money order company has declared bankruptcy, or taken some other action which renders the money orders worthless, the FO takes the following actions:

  • Immediately notifies the regional office, which will then send the information about the bankruptcy to Finance and Management (Accounting) in Baltimore,

  • Transmit the material to Accounting via email, if possible, using the OPRP Inquiry Site,

  • Accounting will issue an appropriate NEWS item; and

  • Stop accepting money orders from that company.

In those cases where the Mid-Atlantic Payment Service Center (MATPSC) learns about the problem with the money order company after a money order has been accepted, MATPSC will notify Accounting through the OPRP inquiry website shown above, and forward the returned remittance and a photocopy of the Field Office Remittance Transmittal (FORT) to the FO.

The FO takes the following actions:

  • Notify the remitter that the money order was not acceptable, and request a replacement remittance.

  • If the remitter submits a replacement remittance, issue a new receipt, and forward the payment to the MATPSC via a new FORT.

  • Delete the original receipt in DMS, see MS(sens)01104.011, after cross-referencing it to the remittance ID field of the new receipt.

  • Provide the remitter with as much information as available, so the remitter may file a claim against the money order company.

  • If the remittance is for an installment, extend the remitter's installment agreement time-frame an additional month. See MS(sens)1106.014.

The Social Security Administration (SSA) may not give credit for the returned remittance if it was purchased by the debtor; however, if SSA purchased the money order to process a cash remittance, credit the debtor's account and file a claim against the company to recover the purchase price of the money order.


To Link to this section - Use this URL:
http://policy.ssa.gov/poms.nsf/lnx/0202403156
GN 02403.156 - Money Orders Received from Bankrupt Money Order Companies - 04/21/2026
Batch run: 04/21/2026
Rev:04/21/2026