PayPal question -- Help me figure out if this would work please?

I'm trying to help someone figure out a temporary plan of action while they try to get over a little financial crisis.

Jane's only source of income right now is working as an independent contractor for a couple of online companies. She has worked for them for about 4 years, so they are legit, although they will only pay via PayPal. They want to avoid the inconvenience of writing checks. You know how it is. They don't want to slow down their procedures to write one check for one person and put it in the mail each week.

So Jane's pay is shot into her PayPal account each week and she functions using the PayPal debit card to pay expenses, and if she needs cash she gets cash back at Walmart when she shops. No big deal. That works fine for her needs.

The PayPal account is tied to her bank account, of course.

Due to some problems related to the recession and not being able to find a full-time job, she was sued by a credit card company for what she owes them and now Jane is afraid this credit card company is about to garnish her bank account.

For this reason, she is keeping the bank account balance very low. (Also, she is keeping the bank account balance very low because she simply does not have much money.)

Jane is worried about the people who sued her finding out that the PayPal account exists and garnishing it. I'm not sure if that is even possible.

On top of all of this, she just got a notice that the IRS sent her a certified letter. It has not been delivered yet, but she said she owes 2008 taxes and has not been able to pay them. Now she is afraid the IRS might garnish her bank account, as well. I told her she has a good chance of explaining her situation to the IRS and setting up monthly payments, and she should give that a try before she freaks out, but she is already stressed.

So here is what Jane is thinking of doing, and I have no idea what to tell her as far as whether this is a good idea or bad idea.

She is thinking of having one of her grown children open a new bank account in the child's name and then attaching it to Jane's PayPal account (or maybe Jane will have to shut down her current PayPal account and have the child open a new one in the child's name, and attach it to the new bank account).

Then Jane's pay could be shot into THAT PayPal account each week and she could get a debit card for it and continue to function as she had been functioning before.

Does that make sense?

Would this work as a temporary solution until Jane is back on her feet, to pay off that credit card and start making payments to the IRS?

I'm trying to guide her in setting up another stream of income or two, so she can get the money she needs to pay off that debt. But she wonders if this would help in the meantime. She is freaking out about PayPal being her only option to receive money and the possibility of her PayPal account being shut down.

Thanks!