Garnishment of protected funds

Yup they can.

it would have been wonderful if you had gotten that harrment statement on tape.....

Close the account, cash your check and pocket the money. If you have to start paying your bills with with money orders if done in the mail and cash locally.

After a while they'll get sick of looking or realize that you are cashing your checks and just go away. Then you can open another account.

That's what I would do.

You can also put the money on prepaid cards.

OR fight fire with fire.

Find out your laws for recording in your state.

If your state allows you to record without their knowledge:

Place just some money in the account, not enough to give you a financial hardship should they freeze it. When it happens, call them (recording) and get them to make that statement again. Just start asking them why they are continuing to do this when they know darn well that your funds are protected. Basically just continue to give them the rope to hang themselves with.

Then you take them to court with your records and sue for a goodly amount because they are stressing you out and making your already poor health worse, and that they are doing it with the complete intent to harass a payment out of you!

If you can't record w/o their knowledge then it will take a little more work but can be done.

Firstly, how many times have they taken you to court over a frozen account and then released it just before the date? If they have done it enough times you should have all the proof you need as you can show a pattern of harassment! Any court will see that multiple acts of this nature is purely done with the intent to harass.

If they have only done it once or twice, then still put a bit of money in an account as mentioned above and keep meticulous documentation of them doing this. Do it a few times until you have got a goodly collection. It may take a little while, but will be worth it when you take all that proof to court. It would look VERY bad.