Yes, under New Jersey law, creditors are not required to provide you with any advance notice before levying and freezing your bank account. This deliberate procedural rule exists to prevent debtors from preemptively hiding or withdrawing their funds before the levy takes effect. Once the funds are frozen, the levying officer must mail you a Notice to Debtor, and you then have exactly 10 calendar days to file a written objection with the court to prevent the funds from being permanently turned over to the creditor