If they have a judgement against you, then they can take whatever money is in your bank account. I answered this in your other thread. If you already have a lawyer and he/she has started the bankruptcy, he/she needs to notify AmEx and then they cannot take money in your account. Taking money in your account, regardless of where it comes from, is not the same as garnishing you. You owe them money, they have a judgement that says they can legally get your money and the bank has to legally give them money that is in your account, regardless of its origins.