I had an outstanding balance with XXXX ( XXXX XXXX in Virginia ). I get XXXX notification from the debt collection agency ( NCC ) with the indication of having a lien on my bank account, which took place today XXXX/XXXX/15. I believe that they have no right to garnish or freeze my acct. The following is what I read on my attorney general 's website. 
" When Can a Creditor Garnish Your Wages in Virginia? 
Most creditors can not get a wage garnishment order until they have first obtained a court judgment stating that you owe the creditor money. For example, if you are behind on credit card payments or owe a doctor 's bill, those creditors can not garnish your wages ( unless they sue you and get a judgment ). 
There are some exceptions to this rule. Your wages can be garnished without a court judgment for : unpaid income taxescourt ordered child supportchild support arrears, anddefaulted student loans. " No court order was issued, only XXXX notification received and it does n't seem right that they processed this in such a way.