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bank acct freeze after repo - any ideas?

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    bank acct freeze after repo - any ideas?

    Recently, I had a judgment filed against me, and now they have a $22,000 hold on my checking account. I have since canceled all of my direct deposits, so I'm assuming the next step will be wage garnishment. I can file BK7 in March 2011, so what can I do:

    1) to get my checking acct "unfrozen"
    2) to delay any wage garnishments for about 6 mos. until I can file BK.
    3) Does the creditor or bank HAVE to notify me about a garnishment...legally?

    Side note: I owe BofA close to $2M with no legal action and my cowardly credit union takes my checking acct money (less than $200 - grocery money and gas money).

    Thanks to anyone with help/suggestions.

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