Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

can the government or debt collectors garnish money from any bank account to which the debtor has access?
I would call the bank and ask how the person is on the account.   If they are an owner, or are an authorized user, or what type of owner they are, etc.    If the bank makes the distinction between "user" and "owner" then most likely, your funds are not able to be seized.  If they are a joint owner, then, typically, 100% of the money is yours and 100% of the money is theirs and either of you could withdraw all the money, close the account, or have the money seized as part of a legal action.