adn do I need to take any actions with the court to un freeze the account
Construction / Development Lawyer
I assume you mean that your account has been garnished. If you pay the debt, the creditor has to file a dismissal of the garnishment and a satisfaction of judgment. The bank will not release the account until it is provided with the proper documentation, which if the creditor cooperates, should not take too long.
This is not intended to create an attorney client relationship and none is to be implied either. You must contact an attorney and present all facts before you can and should act on this response
Consumer Protection Attorney
It should happen quickly; but I always anticipate that it will take a few days. Things will happen faster if you get the garnishment release/dismissal and have a copy delivered or faxed to the bank's garnishment department (most large banks have a central office - often in another state - that handles all garnishments).
However, before I would pay the judgment, I would at least talk with an experienced consumer debt defense attorney to see if 1) you have any defenses to the garnishment, 2) you have any challenge to the judgment, or 3) there is a way to negotiate a reduced pay-off.
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