Legal Question in Credit and Debt Law in California

You don't provide enough information here for any meaningful advice in a Q&A forum like this. In fact you don't even really ask a question. You need to contact an attorney in your area directly.

One of two things happened here. Either you were served with a summons back in 2009 and you blew it off, or you really never received notice of the lawsuit. Get the case number from tha bank and get a copy of the lawsuit from the clerk's office. If you really never received notice, and you don't owe the debt (or you have some other good defense to the lawsuit) you will need to get a lawyer and file a motion for relief from the judgment. You must do this immediately and you will only get one shot at it, so if this applies to you make sure your motion gets done immediately and correctly. The funds in the account are exempt if they are derived from Social Security or public assistance, but you must file a claim of exemptoion wuth the levying officer. Get the bank to send you something with the case number which you might be able to look up on lasuperiorcourt.org .