It is unlikely that you will be able to get the kind of help you need on here because you are essentially asking us how to defraud your creditors. If there are judgments against you and your debts are adding up, now might be a good time to consult with a bankruptcy attorney.
I wish you the best of luck.
The information provided in this post is not "legal advice." Rather it is general information on common legal issues. If you have questions concerning your specific situation, it is always best to consult an attorney in your area.
Corporate accounts, if you have a corporation or an LLC and the corporate is not the debtor, can be used for corporate income and expenses. You own the shares, but the company is a separate entity.
Personal accounts have to be registered with an SSN. The bank will not take an EIN because it is not a business account (even then, they will put someone's SSN on the account).
You can try all cash and make it harder, but you cannot hide assets.
Mr. Goldstein is a Virginia-licensed attorney only. The information is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Answering this question does not in any way constitute legal representation. Contacting Mitchell Goldstein or the Goldstein Law Group does not constitute legal representation, nor is any information you provide protected by attorney-client privilege until otherwise advised.
There are legal and illegal ways to obtain bank account information. You have no way to know what the creditor will do.
One way to conduct business--use of pre-paid cash cards, check cashing stores, using a bank that is local, or a bank outside of TX that you can scan checks into to make deposits.
You can also obtain an EIN, as you mentioned.
Or, have you considered making payment arrangements? Look at all the time and $ you will be spending and going through to avoid the creditor being able to garnish your accounts. Do you really want to live life looking over your shoulder all the time?
Give it some thought.
I hope you found this response to be of assistance. This response shall not be considered the rendering of legal advise but instead a general response to a general question. While Avvo is a wonderful resource, nothing can be a substitute for an in-depth consultation with an attorney in the jurisdiction in which the law is to be applied. This response shall not be deemed to create an attorney-client relationship, nor shall it create an obligation on the part of the attorney to respond to further inquiry from the questioner.