I was a sole proprietor that had a credit card and line of credit for my business with Bank of America in Florida. I also do my personal banking with them. I had to close my business and unfortunately had to default on my credit card and line of credit payments. Now they have taken the money that I owe out of one of my savings accounts that is actually an account for my son. I have several checking and savings accounts with them but they only took money out of this account, which I think is the only one that is not a joint account with my husband. Can they do this and is there a way for me to have them reverse this?