Yes, certainly. You might be able to open an account in a state that prohibits the garnishment of certain sorts of accounts. But, of course, you must be able to qualify for the protection, most likely by being married and opening a joint account with your spouse. Having a bank account overseas or in Delaware doesn’t always provide the protection some think. But, if the amount you owe is in the thousands, many creditors won’t want the extra bother or expense of pursuing those. Similarly, prepaid card accounts are hard to monitor and garnish (you can open and close them at will), and many creditors don’t want the hassle of doing so.