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Answer: These creditors will need to sue you first and get a judgment. Once a judgment is had, it will go on your credit and stay there for 7 years. This may make it much harder for you to borrow money. Also, with the judgment, they can try to attach to your bank accounts, so yes those can be frozen. However, they cannot garnish the federal government/IRS for an income tax refund. If you deposit the money you make from self employment in a bank account, then they can attach that as well.
What state are you located in?
Under subsection (c) iii of this law it states that IRA's are exempt from execution.