Money issues

by Frank
(Long island Ny )

I owe back taxes and I am currently on a payment plan with the federal IRS and the state IRS, I also owe about $50000 in unsecured debt that I haven't made any payments on in a year and a half maybe even two years on some. My question is can the credit companies that I owe money to freeze my personal checking account even though I am paying back the taxes I owe.