In the case of a hospital bill, through a court action can a hospital have a bank account frozen or attached if the money in this account is exclusively student loan money and student financial aid grant money? Let's say this account IS legally protected (I've read that it is), even so: how does one make sure that it IS protected from such a court action? No court action has occurred yet, but the account is soon going into collection, and surely a court legal action will follow. Could the judge decide in that very first court date that since no income is available to garnish that the bank account may be seized? Or frozen? What evidence must one produce to make sure the judge knows that the account is made up of student funds for education? And should one contact one's bank and get this on record in some way? The student is in Missouri and the bank is in Missouri.