Not all debts can lead to a bank levy, and not every missed payment puts your account at risk. Seksan Mongkhonkhamsao/Getty Images Debt has become harder for the average borrower to manage over the last year, even as inflation has cooled from its recent highs and interest rates have started to ease. Part of the issue is that credit card balances remain elevated, as do the average rates tied to them. As a result, payment delinquency rates have ticked up, and lenders are now increasingly willing to pursue aggressive collection tactics, which for borrowers can mean not just phone calls and letters, but ultimately, significantly more serious consequences.One of the most disruptive outcomes of the debt collection process, though, is a frozen bank account. If you suddenly lose access to your funds — even temporarily — it can derail payments on your bills and make it impossible to cover your mortgage or rent and everyday expenses.…