You were sued, presumably chose not to respond to the lawsuit such that a default judgment was entered, and now they're trying to collect the money you owe them on the judgment. You were given notice of the lawsuit and judgment. They don't have to warn you after that, "Hurry and hide your money because we're going to garnish your bank account next week." If you believe you have grounds to dispute the court's order for garnishment, such as an exemption to garnishment, it's up to you to bring a motion in the court that issued the judgment and order.

