Once that money hits your bank account the bank via garnishment can take it. If your trust is an irrevocable trust and you are the beneficiary of the trust itself, it's protected not just from creditors but also from BK. Why? Because you don't own the money in a irrevocable trust, even if you are the guarantor of the trust and you can not bankrupt a trust, you can on liquidate it... Now trust that are revocable are very much vulnerable to creditors because you still on the money in them.