Unfortunately, if the creditor has the proper court order, he, she, or it could garnish your bank account. Between anything you have voluntarily paid, the money garnished from your paycheck, and money garnished from you bank account, the creditor cannot get more than the total amount which you owe him--i.e., no double dipping is allowed. However, with that restriction in mind, a creditor is not limited to only garnishing your wages, if he has a wage garnishment order. Rather, he may use any and all legal means to collect a debt, including--with the proper court order (since this always takes court authorization)--directly garnishing, or taking money out of, your bank account as well.