What steps do I need to take so that I actually have something to live on and pay my bills?

I went to use my debit card today and it said it was declined. I then checked my bank app and it said that I was negative for about $14,000. I thought it was a fraud thing so I contacted my bank. The operator told me that a collection agency had levied my bank account. I’m freaking out because I’m a student and barely making $200 dollars a week and at the time I had about $100 dollars in my checking account. I have been saving up about $2000 in my savings. It was all gone. They transferred me to the collection agency, and a guy from the agency told me that they have levied my account because of a failure to make payments on a credit card debt back in 2012. The amount back in 2012, I remember was between $3000 and $4000. He said something about the amount doubling, and what not but I couldn't really understand why it got to even negative $14,000. I asked him what steps I need to take if I want my bank account unlevied and he said that the legal department or something has to file some paperwork, and that I need to set up a payment plan. I told him okay. I want to do the payment option so I can unfreeze my account. I set up a date, and he told me that's it. Now, I have to wait. But I don’t know what I am waiting for. How long will it take and such and if I will get any of that money back? Should I hire an attorney?