If your bank account is frozen, dispute the levy as soon as possible. Your account will remain frozen until the dispute is resolved, but the creditor won’t get your funds if your dispute is valid. Reasons for disputing a bank garnishment include: Error: you don’t owe the money The statutes of limitations have passed, and the debt is uncollectible The creditor is already garnishing your wages Some or all funds in your account are exempt under federal or state law You’re a victim of identity theft, and the past-due account is not yours Other ways to stop a bank garnishment include filing bankruptcy or settling with the creditor for an amount or payment that you can afford.