Can I incur banking fees for closing a bank account that is being garnished by creditors

If the account has beemn drained by you and they hit it later no fees because the creditor has to pay the bank to respond, the minute after the writ has been served the bank should withdraw the amount and answer the writ. After that your account goes back to normal You will need to consult with a lawyer locally.

Start keeping a log of all calls and letters, and demand in writing all communications from creditors is in writing.

Do not give them any personal information because that is how collectors decide on which accounts to sue.

I have pasted a link to the FDPCA to help you with your federal rights;

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

Good Luck