If one is beneficiary of a revocable trust, a creditor can have a lien against the property held in trust.
“§ 36C-5-505. Creditor’s claim against settlor.
(a) Subject to the other applicable law, whether or not the terms of a trust contain a spendthrift provision or the interest in the trust is a discretionary trust interest as defined in G.S. 36C-504(a)(2) or a protective trust interest as defined in G.S. 36C-5-508, the following rules apply:
(1) During the lifetime of the settlor, the property of a revocable trust is subject to claims of the settlor’s creditors.”
Creating an irrevocable trust makes another level of separation between the property and the beneficiary; less control in a sense, because the ability to take back the property is gone (it will go to the named beneficiaries upon death of settlor/trustor/grantor), but this trust protects the property more completely, and can be made unreachable by any creditor.