hi i need your legal advice, my bank accounts was recently executed by my creditor .i owed $16,153 they took from all my accounts $932.my question is (1) can they just go in my accounts without giving me a warning.(2)one of the account was a joint account with my brother.(3) can they go into these account again because am thinking to close them.(4)will they go after my pay check,my income tax return or even my property. i must note that last year i file for a dept settlement on all my credit card and this creditor is the only one that denied me.