I had an old joint account with my mother. I had my own account with a line of credit attached to it. I filed bankruptcy this year and the credit union has frozen her account and claims it has the right to a lien. Even if they have the right to place a lien on her account, is money that she can prove is hers still able to be taken from her on my debt? I haven't used her account for years and she has proof of deposits that total the amount they froze that happened just days before my filing.
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Assuming that state laws and the deposit contract at the credit union provide the credit union a lien against the joint account, the basic rules of joint accounts remain effective. Whatever one joint owner deposits to the account is fully accessible to all joint owners of the account, regardless of who contributed what to the balance. If the credit union, as one of your creditors, has the right to take funds in your name, that right extends to the balance of the joint account as well.
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Assuming that state laws and the deposit contract at the credit union provide the credit union a lien against the joint account, the basic rules of joint accounts remain effective. Whatever one joint owner deposits to the account is fully accessible to all joint owners of the account, regardless of who contributed what to the balance. If the credit union, as one of your creditors, has the right to take funds in your name, that right extends to the balance of the joint account as well.
