What are possible consequences if a creditor tries to enforce a writ of garnishment and my account has no available funds

If they are going after a bank account that has insufficent funds, your account charges from your bank are going to be expensive. Your account is going to be tied up for at least twenty days, possibly longer. If you put money in that account the garnishee will take it.

Have you considered talking to a bankruptcy attorney about your options? Hope this helps - Elizabeth Powell

So, they did send paperwork to bank of america, which we recieved copies of stating htere are no funds. WIll they still try to freeze the account most likely?

What kind of fees would i be charged possibly from the bank? Overdraft fees?

No i have not considered a bankruptcy lawyer.