How long can they freeze your account and how long before they can freeze it again in New York

Until they get all the money from the court order.

They normally don't release it, unless they get all the money, so any money you put in will just go to them.

Go to civ ct in nyc. Take out an order to show cause, send to coll. Agency. They will appear in ct with you. There an arbitrator will discuss a reasonable pymet plan. That same day the t will order the lien on you bank account lifted. Good luck