Q: Can a creditor levy my bank without personally serving me with court papers?
A: That is entirely possible. Assuming your case is in CA, you can be served the summons & complaint by what is called "substitute service" or even publication. Both of these mean you would not be personally served. They do have to attempt personal service however. If you are talking about service of the bank levy, that does not have to be personally served either. The alternate service methods are not always done correctly so I would strongly encourage you to talk to a lawyer who handles this type of matter regularly. This is exactly the type of work my office does.
Yelena Gurevich agrees with this answer
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