If the creditor gets a bank execution from the court, there is a specific process that must be followed before any money can be taken from your account.
First, a marshal will serve the court order on the bank. When the bank gets the court order, it will immediately freeze some or all of the money in your account, up to the total amount that you owe on the debt. The bank will freeze the money for 15 days.
Note: There are some types of money that should not be frozen, such as Social Security benefits or child support that is directly deposited into your account.
Next, your bank must send you these forms:
If you fill out and return the Exemption Claim Form within 15 days from when the form was mailed, the money will stay in the bank
until the creditor agrees to release the money back to you, or
until a court hearing is held and the court says the money should be released back to you.
If you do not return the Exemption Claim Form within 15 days, the court will order the bank to give your money to the creditor and to pay a fee to the marshal. The bank may also charge you a fee.