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Something doesn't add up.
For outstanding debt it takes a Court garnishment to seize your checking account. This takes a Court jugdment which is a long process and requires you be served.
Was this outstanding debt with the bank you have your checking account? They can cancel your credit lines but to seize your money it requires a Court order. It is against FTC rules (bank laws) to seize your account without a Court order because it directly interferes with your rights to pay other obligations and you have right to exempt certain assets from collection under state law. There is a strict process for this.
Just saying this doesn't add up. Explain?
Sorry to hear your problems and hope it all works out.
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"The object of war is not to die for your country but to make the other bastard die for his." -Patton
"Only the dead have seen the end of war." -Plato
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