You contact a personal injury lawyer and if they think you have a case they will take it on a contingeny basis and you do not pay them they only collect if you win, the suit would be tried in the county you reside in, and if you lose the case you do not get any money and neither does the lawyer, end of case.~
Banks are bound by government regulations. Under the Right to Financial Privacy Act, a bank is required to provide information when they have been served with a request for records by a government authority, as allowed by law. Bank that do not comply with the law can be fined.
When money is owed, that bank or business has the right, at the hearing, to obtain a list of banks the person may have an account with that could be holding assets. Additionally, those who money is owed to can apply to the courts to send notices to area banks to determine if a customer has accounts with that bank.
Despite your unfortunate fiinancial circumstances, banks and credit card companies as well as any business, are in the business of making money and recovering their loss from you is part of it.
The previous responder who said you could be held responsible for hiding funds was correct.
Perhaps you should work with the bank/collection agency/credit card company to settle for a portion of the amount owed.