I'm self employed and business got real slow so in order to keep my house I stop paying most my credit cards except a few that would work with me , I do get a lot of mail from collection agencies now , can these companies attach my bank account without notifining me by mail or any other way ?

They first need to sue you. To do that they need to serve you with process. Once they do that, they need to get a judgment, which requires notice every step of the way.