I live in Pennsylvania and due to circumstances including mounting medical bills it has become very difficult to keep up with my unsecured debt payments. I Just started to fall behind this month due to rate increase and such. My wife and I do have income and we have just started with a debt settlement company. We plan on settling all of our debt through negotiation. I realize that this will negatively impact our credit status. My main question is; I know that in Pennsylvania unsecured creditors cannot garnish paychecks, but can they garnish my bank account once the paycheck has been deposited and the only funds in the bank account are from wages?