Last week I discovered that my bank account was 0. I called my bank and they explained that I had a legal judgement against my account for debt collection. I have an appointment with an attorney later this week but cannot cash my paycheck at my bank as they will force deposit it into my account to pay my debt. I work at a small company that hand writes the payroll checks and cannot find anywhere to cash my hadnwritten check. What can I do? I have $2 in my wallet and need the money. Does the judgement appear when my social security number is run? Could I open another savings account at a different bank while I wait for my appointment with my attorney?