joint account judgement proof?

whether your account can be frozen depends on your state laws. in some states the account will not be frozen at all if the bank knows there are exempt funds in the account. others will freeze the account and let you sort it out the collection agency. still, in some of the latter states certain banks will still not levy the funds if they know there to be exempt monies. bottom line though is that any account that her social security number and name are attached to are subject to levy if allowed otherwise by state law.

If she is sued she will need to show the judge that she holds a POA on your accounts and that her name is listed on it for those reasons and that the only funds in that account are your exempt funds. This will allow the judge to make sure THAT account is not levied. They can NOT levy or garnish without a court order, so that will allow her to show proof to the judge about this account.