You need to read your loan agreement very carefully you may have given them that right.
You had better check with the laws for your state -- in my state ( fl ) there is a comingling statute which means that if there are any other monies deposited into the account it can be frozen and garnished. and you have to show where the money came from. Google ( your state ) statutes on bank account freeze and garnisheement No. Both of the benefits are 100% exempt from creditor action. If however a lawsuit is initiated concerning the debt, it must be defended. Meaning the defendant (or their representative) needs to inform the court of all exempt property. Under state laws there are many exemptions available to the consumer to protect real and personal property.
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