Only once a judgment has been obtained from the court, the creditor can seize bank accounts without notice to the debtor. The bank receives the seizure notice and freezes the accounts and then notifies the account holder who has to go to the court to file an objection to the seizure to try to get the accounts released. The creditor needs to first file suit and serve you a copy of the summons and complaint and give you an opportunity to answer, so they cannot get a judgment without notice to you first (although many creditors lie about service and obtain default judgments and then you have to go to court and prove you were not served to get the judgment vacated). But they cannot just seize your accounts without a judgment from the court and if a collector tries to tell you they can you can tell them that threats of that nature are a violation of the Fair Debt Collection Practices Act and if they continue to make them you will sue for violations and file a complaint with the Federal Trade Commission
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