<prompt> Human: Las Vegas, NVBoyfriend is going to lose his job and has outstanding payday loans. We have a joint checking account. He has been paying installments each week in person with cash before they take funds automatically from checking account, but they do have our account on file. One payday loan place said they will work with him on loan, another said they do nothing to cover unemployment. Since we are about to be completely broke, and do not know when or if he will get another job soon bad economy out here I was thinking how I can get them to stay away from my bank account. To remove a person from joint, I have to completely close the account, and make a new one under only my name... I really dont want to go thru the hassle of that, so is there anyway to get these payday loan places from withdrawing from my account? The long term plan Im hoping for is getting payday loans off our back, my account not touched, and when income tax time comes my boyfriend was planning on filing bankruptcy anyway. Any advice would be great, really worried about my finances and paying back these payday loans would def effect us. Thanks  <response>: Go through the hassle of closing the joint account and getting your own account.It will make a lot of other things easier down the road. Joint ownership means he owns the money too even if you are the one adding to it for now while he is unemployed.-edit also talk to the bank to explain the situation. You want to see how the bank will respond if an electronic pull of money happens after it closes. You dont want the bank to allow it and put you at a negative balance... Talk with them to see how they can fully close the accountdeny transactions from their end. 