A: No. In order for you to have a garnishment taken from your Social Security check they must have a court order against you. The court will not grant this type of order for credit card debt for a deceased person.
A: Unfortunately, credits are not transferable between people. However you may be eligible for a spousal benefit off of your husband's record. You are correct in that you have to wait until your husband starts drawing his benefits in order to collect your spousal benefit.