I was laid off two years ago. My unemployment has ended. I have NO income. I am the sole debtor on all credit card and medical debt. My husband is NOT a co-signer on anything except our auto lease. What happens to the joint bank account where all of his earnings are deposited? If I have contributed less than a 1/4 of all monies deposited in the past two years, can they take 1/2 of the account? There isn't much in there as it is. Less than $500 between two savings accounts and enough to cover monthly expenses in checking. We own no property.