A creditor who has a judgment against you may decide to levy your checking or savings account. All the creditor needs is a judgment and then the creditor can go to a Judge and get an Order to give to a bank to seize the amount in the bank account up to the amount owed.
Many times, the creditor will do this from out of state. If you have an account with Bank of America or some other multi-state bank, the Order will direct the bank to seize the money in that account. It does not matter that you may have never been in that state or have not been in that state in many years. The bank must honor the Order seizing the money in the account and you must try and fix this problem. Unfortunately, your money has just been taken and how do your pay your attorney or maybe an attorney from another state. In many cases you cannot and the creditor wins by default.
What this means is that just because the judgement was entered against you in a different state does not mean that you are safe. You thought that you had no assets for that creditor to take and now you suddenly find how wrong you were.
Watch out, the next thing you may get is a levy on your bank account. If you choose to not take action, you need to make sure that your bank does not do business in a state where a judgment was granted against you.
If you file for bankruptcy, this type action is stopped in most cases.