Unfortunately, if a creditor has a judgment against you, they can do some pretty nasty things...including clearing out bank accounts. At this point, you best option to get that stopped is probably bankruptcy. Most bankruptcy attorneys offer a free initial consultation and can give you an idea of what options you may have. Good luck.
You need to find a consumer attorney, or one that works on debt collection defense as soon as possible. You should also go to your local court and find out what happened (or the lawyer you speak to can do this during your consultation). It seems like you were sued but never knew of this. There are a host of reasons this could have occurred. Act quickly if you want any hope of gettin your money back.