can a creditors lawyer take money from your banking accounts without any warning

Bank accounts are at risk from consent, that bank, or judgment.  So, if you ever agreed that creditor could take money from your account, that consent has to be revoked by you.  You can do that at any time.  If the money owed is to the bank where the account is, they can take the money because they already have it.  If the creditor has a judgment, it can be executed on by seizing your account. You should consider protecting your assets through a bankruptcy.