When do companies seize bank accounts?

[hopefulbk]

Again, I don't plan on filing until around Aug but until then, my bills are going late. At what point can they seize accounts? Do they need a judgment first and will I know of it? I have my tax return sitting in my one account that I use my debit card on to purchase food and pay for utilities. By the time Aug rolls around, there will be like $300 in that account so I'm not worried about it being taken in bk to pay bills. Until then, that's a nice amount for any bank to take and pay down the cards...

[freshstartfl]

Depends on your state's laws. You didn't list your state.