[org.whodat]

A creditor (except the IRS and student loans) cannot garnish wages or seize bank accounts unless they’ve already sued you and won.

That is true for a common creditor, however, the bank can take your funds deposited in it's bank to pay it's self. Always read the fine print.

[SnakeDoctor]

That is true. Don’t keep money in a bank against whom you defaulted on a loan multiple thousands of dollars.

SnakeDoc