can a creditor place a lien or attachment on an IRA account to collect on a debt?
No. Retirement accounts are exempt from levy and exempt in a bankruptcy. However, that does not mean that they will not try, and unless you have a knowledgable attorney helping you, you are at risk.
Please note that I do not practice in your state and that the above is not intended as legal advice, it is for educational purposes only. No attorney-client relationship is created or is intended to be created hereby. You should contact a local attorney to discuss and to obtain legal advice. Check the web site of the National Association of Consumer Advocates, www.naca.net - look for an attorney in your area who specializes in foreclosure and debt collection defense.