<prompt> Human: Ive had the bank account since I was a kid and Ive never really thought about it till now. Im 24, she has no access to the money, but the account is in both of our names and she can view the money. She is also in crippling debt, and no, she has not asked for any money.  <response>: In terms of credit, no, she cant hurt you. In terms of the lenders suing her and winning and then finding out about this bank account, they could garnish the whole amount in there. Id say its time to be a grown up and no longer share a bank account with your mother. 