Legal Question in Credit and Debt Law in Illinois

If the creditor has a judgment against you already, yes. You failed or refused to pay the judgment and they have a right to seek satisfaction as the law permits. In a garnishment the bank or other holder of assets is the "defendant", not you. This will cost you not only for the amount they can grab for the judgment, but also the court costs and attorney fees for both the judgment and the garnishment.

Absolutely. How many people do you think would leave money in their account after they had been warned that the money in account would be garnished?

If you are in bad financial situation, you may want to consider bankruptcy. It will release those funds immediately and get rid of your other lingering debt. Call me at 708-341-2060 if need help.