I live in New York State. I have a friend who has a few thousand dollars in a savings account, which in case of her death she wants divided between her two sons. She wanted to put the money in two accounts with the name of one son on each account so they could withdraw it upon her death to pay expenses, etc. She has nothing besides to be probated. One son is not good with paying his bills and I told her that if there ever was a judgement against him her money could be taken by the creditor because the son's name is on the account. Is there anyway to set this up so they could not take her money? Thanks to anyone for information.What is the name of your state?