Sassy,
Go down to your clerk's office immedietely and see if there is in fact a judgment, if there is, file an order to show cause and have it vacated because you were never served. I think in order for a bank to allow this, they would have had to show them the judgement, either way, go down to civil court and have it vacated. If you can get an attorney to help you that would be a good idea, if you cannot afford an attorney I would get in touch with a legal aid office. These scumbags were after me too, it didn't get as far as what happened to you.
Is the only source of income in your account from disability? If so, you can try calling up their attorneys and explaining to them that your income is exempt, sometimes that doesn't work, you can try. But file the order to show cause right away.