If your account is frozen, you can stop the creditor from taking the funds by immediately filing an Objection to the Bank Levy within 10 calendar days of receiving notice, asserting that your funds originate from exempt sources. You can also file a Motion to Vacate the Default Judgment to attack the underlying validity of the debt and erase the judgment entirely. Lastly, filing for bankruptcy triggers a federal “automatic stay” that immediately halts all active bank levies and wage garnishments.