While more facts would be useful (Timing. How you got to be a joint tenant. Did you pay or was it gifted? etc.), you'll need to see an attorney. In the olden days, the estate would have passed to you with no recourse to the unsecured creditors. The case law is changing to allow unsecured creditors a claim against the joint tenancy so you need an attorney to look up the relevant case law for your state.
As to the secured debt (loan on the house), it goes with the house. You still need to pay it if you don't want to get foreclosed on.