I've heard of people having their bank accounts completely wiped out by a creditor. I received a letter from an attorney 2 weeks ago regarding a repo'd car from 2 and a half years ago. I am going to send a DV letter this week. I feel in the end I am going to be sued over this. I fear making any deposits into my account because of this. Is a judgment needed in order for a creditor to get into your bank account or can they just come in and wipe your checking account?