Debtor files and declares their bank account with $1000. They exempt it in Schedule C with wildcard (which for this example is $30,000+ in California)

How soon can Debtor access that cash for use in everyday survival needs (ie food, bills)? Do they have to wait the 30 days objection period?

As I understand it the exemption applies immediately on claiming it, BUT it can be objected.

So if debtor uses funds for survival, is it a case of 'asking for forgiveness not permission' and repaying the difference?

Or is there a court motion that debtor has to do with court to get this permission?