WIthout the Protection of the Bankruptcy Court, it is legal for a creditor with a court judgment against you to freeze or “attach” your bank account. Some creditors, like the IRS, can go after your account even without a court judgment.
But there are limits to what the creditor can take from your account. If all or some of the money came from sources such as Social Security or a public assistance program, this money would be protected. To prove that you deserve this protection, however, you’ll have to ask for a hearing.
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I have PTSD, Severe Depression and Bi-Polar Disorder. I make about $2200 a month on Soc Sec Disability and my two kids get about $550 each. Its all deposited into my one account. I pay $624 in child support and $1000 in rent. If I dont eat or buy gas I still fall short every month with basic utilities et al. The divorce just ended about a week ago. I maxed-out my Cards to buy basic life stuff I could not during the 2-year family action. My legal bill was $140K and I have NO assets cept for 40% of the marital residence that is nearly all equity of $280K. ANYWAY…Will a pro-se litigant be able to protect that income? I will not declare BK as I fear fraud being interpreted due to my late spending. OH…and my meds and doctors are about $400/month. I’m not adjudicated as ‘nuts,’ but I’m diagnosed as such due to years of psych eval and two hospitalizations for suicidal ideation… Fun—huh? I do parties for $50.