and my husband and I share a joint checking account, and i have a separate savings account can they take out the money,
Workers' Compensation Lawyer
If they have a judgment and a bank levy, you have a problem. You can ask the bank for a copy, but it is unlikely that you did not know you were behind on your unsecured loans. Maybe you do not know WHICH creditor got to you first, but it should not be a complete surprise.
We offer general concepts, but you should give ALL your facts to a licensed Attorney in your state before you RELY upon any legal advice.