can someone or a company garnish your bank account
No, it's LEVY a bank account, its gaRnish wages (note the R). In theory, yes. But they have to have a court order to do so. And to get that, they have to drag you into court (or try) and argue their case. Even a judgment is only a court recognition of the debt. It does NOT give them the power to seize any of your assets. The only exception is the government (like the IRS). They give you a chance to respond and if you do not, they can enact garnishments or levies (usually the latter).
No--garnishment is on wages. But sometimes they CAN seize your assets, which would include a bank account.
