Legal Question in Credit and Debt Law in Pennsylvania

I think you mean creditor and yes they can if they have a judgment against you. If the bank who has the account is the creditor, they can deduct the money you owe them as a setoff. I suggest you speak to a debt relief attorney and, if you are in Southeast PA, I am happy to offer a free initial consult by phone or in person.

They must sue you first, and win. If the account is a spousal account, then they cannot garnish it unless they obtain a judgment against both spouses.