Is your bank account with Capital 1 or with another institution? If your account is with Capital 1, they are freezing your account through a process referred to as a "set off."
If your bank account isn't with Capital 1, your account has probably been attached as a result of a court judgment. If the money in your account is considered exempt under state law, you can unfreeze the money by filing a claim of exemption with the court that issued the judgment. But the money being exempt is a big IF! To see if the proceeds of a personal injury suit are protected from creditors as exempt property, you will need to review state laws. Most states post their laws on the state website, so I would start by looking there too see if you have any protection.
Another option that may be available to you is to contact the court that issued the judgment to have the judgment "set aside." This is neither a simple nor an easy thing to do, so I would recommend getting an experienced litigation attorney to represent you.
Unfortunately, being young & foolish is not a defense to a collection action. Hope this perspective helps!