Legal Question in Credit and Debt Law in Georgia

A levy does not occur until you lost a lawsuit. It is a way of collecting a court judgment you already lost, either by not appearing or by trial.

You should do now what you should have done BEFORE the original suit, and that's see a lawyer. A lawyer will likely have fewer things they can do now to help you than when you should have gotten counsel.

As a practical matter, once the bank levy is in place, the bank has no choice but to freeze your account and turn over any funds in the accout to the HOA (home owner's association).

Refrain from depositing any money into that bank account immediately and see if you can get an online or out of state bank account.

See if you can use credit cards for funds or borrow money. If you can't, you can't. In such case, you can try contacting the attorney for the HOA and working out some kind of agreement and see if in return for making this agreement and making regular payments thereon, they will release some of the levied funds back to you. My guess is they won't but it never hurts to ask.