In PA, the first part happens the moment the creditor asks for it. Until the issue is resolved the account is frozen. In PA, something must occur within 6 months or the attachment will be dissolved.
If your account is frozen or there is the threat of that, you should consider a bankruptcy as you have a federal exemption up to about $11,000.00 in any asset. That is in addition to household goods and other items.
Answered on Jan 31st, 2013 at 5:59 PM