Thank you sir/mam. You said "so our properly opened joint accounts at a Florida credit union were protected " what kind of account: is it tenancy by entirety? If so, it is immune from creditors of one spouse only if it is opened prior to the threats of lawsuit. my account is joint with right of survivorship. Can a non-debtor member of that joint account take $100 from that account then pay back $50 to that debtor-member directly then will it be acceptable? This looks like a puzzle.