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If you owe the money, there's not much of a defense to the claim. In that case, your best course is to contact the creditor's attorney and try to reach an agreement to pay the debt back/reach a settlement.
If you can't reach a settlement, the creditor should receive a judgment against you for the amount sought, which can result in garnishments, seizure of property, etc.
Thus, it is much better to work something out and avoid a judgment.
Your wages cannot be garnished under Texas law, but your bank account can.
The following link outlines property exemptions under Texas law: http://www.bcsalliance.com/debt1_texas.html