I posted this question previously, but I believe it was in the wrong forum.
My only income is SSDI, and I have incurred many debts over the years previous and since I was awarded the SSD. I am in New York State.
At present, I am unable to afford bk, or to negotiate any kind of payments, so am constantly being threatened by judgments.
My question is to confirm information I was given by a very cooperative previous landlord, is that no one can put a freeze on my checking account?
I have no assets to speak of.
Any clarification would be greatly appreciated.

