What if Collection agencies ask my bank to collect my money and freeze my bank account?

Hello, right now a collection agency is asking me to pay the debt I owe, the problem is that right now I cannot afford to pay it back. I am a college student and I am working parttime (12 hours a week) at my college, i get 420$ per month. I am also in search of another job. Is there a chance that the court will not give permission to freeze my bank account and so that my bank will not send the money to the collection agency? if the bank will send each time what I will earn, then I will not be able to buy groceries and so on.