After a judgement can collection agencies take money from a debit and secured credit card?

I owe 7 grand on two credit cards that is going to judgement. I've looked at bankruptsy and they gave me mounds of confusing paperwork so it's on the backburner. I will be living off of student loans for the next 2-3 years and have a non-bank issued debit card and would like to get a secured credit card. Can an agency take the funds off of those after the judgement? I will be getting a Pell/Stafford check from my school in a month for around 4,500. Do I have to just cash it and sit on the money? Or maybe put it in travelers checks in case it gets stolen? Any advice would be appriciated.