This could be frozen from a judgment wherein a judgment regarding the owed debt is obtained and then a judgment on the collections/attachment. If you have a frozen account, talk to your bank. Find out what occurred and get a copy of any documentation it received. Then, check your credit reports (you get one free from each one per year). Look and see what you can find out in there. If it is in there, dispute the debt if you dispute owing it. If there is no actual judgment yet, you should consider just checking the credit report to see if it has become a collections item. Do not agree to the debt if you are contacted because in most jurisdictions, the statute of limitations (time to sue) would have lapsed.