Can they freeze your bank account for credit card debt in New Jersey?

Only a court of law by issuance of a Order of Garnishment or Levy can freeze a bank account. Any credit card company or debt collector making such threats are breaking the law, and you're entitled to damanges for their actions. I would google "FDCPA attorney New Jersey" and get paid! I have no respect for a collector or agency that breaks the laws and lies to debtors!