Laws differ from state to state.... But as I told you on the phone, I don't think that they have a right to offset with the entire amount since it is a joint account. If it were solely in her name, they might, but I would suspect that the other creditors would pitch a fit. The fact that it's a joint account, logically to me at least, would mean that they only get the amount of the account that was pledged on the note and the joint account holder would get the remainder.... You need to call around (where I told you) and find a good attorney and schedule a consultation....