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.
HM the only money I am aware of that is protected like that is Social Security Benefits. Assuming the bank has a court order via garnishment to take it (if they don't they can not take it). SSB has what is called the look back rule where the bank looks back two months to determent the total funds entering the account that came from SSB. Lets say $2000.00 came through but at the time of the writ you had $2001.00 then the bank could only send the court or plaintiff a $1.00 because two months of your SSB is protected.
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