<prompt> Human: So my entire family has banked at B of A since the 80s at least. I have had a debit account with them for probably 18 years. Because this account was opened when I was a teenager, my moms name is also on the account, after my name. The accounts are linked, so she can transfer money from her account into mine immediately and vice versa, but Ive been able to do things like change the address on the account or go paperless on just my say so, so I dont know exactly what the rules are for this type of account sharing.This debit account has been overdrawn by about 600 for at least a month or so, and I havent been able to pay it back. My mom also has a savings account with them that she shares with my dad, and the bank has called her threatening to take money out of that savings account to pay off my overage. Theyve been threatening this for weeks and havent done it, so Im wondering: can they actually do this? Would that be legal? Im going to pay it off but its gonna take a few weeks, but they didnt seem to care during the threatening phonecall my mom got.Tldr: I have a joint account with my mom. She has a separate joint savings account with my dad. Bank is threatening to take money out of parents savings to pay my overdrawn account balance. Can they really do this, or is this one of those empty debt collector threats?  <response>: Your moms name is on the overdrawn account, so they consider that her responsibility, as well as yours. While the specifics may depend a little bit on exactly how the accounts are owned, the odds are pretty good they can do this. 