How can I be guaranteed my money won't be garnished and or seized when cashing?
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If you mean you have a legal debt and you want to cash a check without paying the debt, and you are not making arrangements to repay the debt, you can't be certain. Some banks refuse to cash a check, or require that it be deposited into an account where it was held, as well as banks that would cash the check normally. It depends on who you owe, how much, and how badly they want their money. The bottom line is: make arrangements to repay, so that you don't have to worry about this.
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If you mean you have a legal debt and you want to cash a 