My boyfriend's father racked up around $70,000 in debt in my boyfriend's name about 15 years ago. This debt has never been paid and is very fraudulent. My boyfriend, however, does not wish to take legal action against his father. We will be moving in together at the end of the month and planned to open a joint checking account to store money for shared bills, such as the mortgage and utilities. If the account has both of our names on it, and we are not married, are creditors able to take these funds? Does it change at all if we were married?