After you file

No sir you are wrong, and quoted an article that has nothing to do with the second stimulus check.

 

Here is the direct link to this information directly from the IRS Website.

 

https://www.irs.gov/coronavirus/second-eip-faqs

Receiving My Payment

 

No. Your second payment will not be offset for any Federal or state debts and is protected from garnishment.

 

No. Your second payment will not be offset for any Federal or state debts and is protected from garnishment.