I should have explained more. the account I'm using is a joint account between my sister and my mother. My sister has given me access and said to use it for whatever I need. There's only about $500 a month in it.
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I have no problem bringing this up in bankruptcy. My concern is anyone making a case of me accessing the joint account, even if sister gives me permission to use the funds as I need.
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This is now a moot point, no need to reply....not filing for bankruptcy....talked everything over with my sister....this is all settled.....it's her account.
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Bankruptcy is completely off the table. Looking at another site on issues....as my mother's caregiver, I'm responsible for her medical care. I have to sign for everything when she's in the hospital. If for some reason, anything major happens and her insurance refuses to pay (she has excellent insurance, I got her extra coverage), but IF they refuse to pay....I'll be financially responsible. I'll hold off any talk of bankruptcy for that.

