My husband has an old debt and we have a joint checking account. I went to the bank to question them why my ATM card wasn't working and they told me that a lien was placed on the account. First of all, is this legal? What happens now? Can they take the money from a joint account? I am the primary owner of the account. And if they were allowed to do this, what do we do now? We weren't contacted about this in all the years that I was married to him. And there's a direct deposit of his paycheck going in any day that we couldn't stop. In addition, the bank never notified that a lean was placed on the account and they charged us $150 for "legal fees." Is this normal? Please help!