Are you positive that's true in Texas? I'm very suprised to hear that, in a state where they don't allow garnishments, etc.Yep
Yep, I'm positive
If by "currently" you mean "they haven't won yet" then the answer is no.
This is true. What is also true is that you would be required to tell them where you bank if they got a judgement.
Texas does prohibit a number of things like wage garnishment, and seizing a house not put up as collateral (many years ago they even prohibited seizing it even if it was collateral, except as part of the sale of the house, which made it hard to get a 2nd mortgage or HELOC). But there are other things they can do, such as seizing/garnishing bank accounts, and certain other assets.
My place of work has no idea where I bank.
I think he's referring to situations where one's pay is direct deposited into one's account. If that's the case, one's work would know where one banks.
Possibly. Probably. And that entered my mind. But if so, then he's making the (incorrect) assumption that everyone uses direct deposit.
Unless the OP took the check to the check writer's bank and cashed it directly. In the rare cases where that isn't an option for me, I cash it through a transfer account that normally holds little or nothing in it, like I do for things like internet payments.
The only people that could “freeze” or put a hold on you bank account and render it totally inaccessible to you would be a taxing authority or, perhaps a trustee in bankruptcy.
Texas Civil Practice & Remedies Code Title 3 Extraordinary Remedies Chapter 3 Garnishment
OK, so how does the freeze work - do they basically take all deposits for some period of time or until the balance is paid?
Hasn't your attorney explained to you the impact of a Section 362 automatic stay order? Immediately upon the filing of your petition that stay order went into effect. Meaning that creditors of the debtor in bankruptcy can’t budge without first petitioning the bankruptcy court and receiving an order removing or lifting the stay.