My 401(k) has mysteriously disappeared. I’m trying to recover it, but the bills are piling up fast. What else can I do?

Building your retirement savings takes time. Most would be shocked if it mysteriously disappeared. It happens, though it’s uncommon. There are things you can do to diagnose the issue and find the money ASAP.

Imagine Sarah, 63, a soon-to-be retiree. She’s worked for the same business, Amcorp, for decades. At one point, her savings were $10,000. Last time she checked, it was $6,000.

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For the account, she doesn’t get statements anymore. Now, she’s wondering where all her retirement savings went.

Sarah hops on the Department of Labor website, which tells people like Sarah what they should know about retirement plans. After a bit of research, Sarah learns a couple things.

One, creditors can’t take 401(k)s, generally speaking. The website says, “The employers’ creditors cannot make a claim on retirement plan funds.” Even if Sarah’s company, Amcorp, declared bankruptcy, she should still be able to access her account funds. (1)