Can a creditor freeze my bank account if they have a judgement against me? My pay checks are directly deposited into my account. My fiance's name on the account as well but he passed away. I've left his name on the account because the home owner's insurance is still in both of our names. There is never any more than $1200 in the account. My name is also on my parent's bank account so that I could write checks if they were ever unable to. Their direct deposits come from social security. Can they freeze theirs's as well?