Wrong on all counts. The IRS will not garnish anything in THIS instance, and if there was ever an issue an injured spouse form resolves the problem. Since husband is not working, no refund is attributable to him.And btw, you cannot direct deposit your joint tax return into an account bearing only your name. You would have to manually deposit the check into the account. What they can garnish is up to whatever the judge signed off on on the judgement, who the money is owed to has no bearing on whether or not it can be intercepted, it's all about the court order (the judgement is a court order). If the judgement paperwork says your income tax refund can be intercepted, then it can be intercepted, doesn't matter if your husband works or not, or if he earned any of the money in the return.
LdiJ already addressed your incorrect response on the bank information.