Personally, I would have my own account and have my pay go to that. I can transfer money into the joint account when necessary. Better to be safe than sorry. It can take 2 pay cycles to get your direct deposit changed, so keep that in mind; make sure you have enough time before she files.
When I filed, my attorney asked specifically if I had accounts at Wells Fargo or a credit union, as they are known to freeze the account upon filing (if they hear about it, anyway).
Thank you for the reply. I will be opening my own account. Good point keeping in mind that it can take up to 2 pay cylces to get direct deposit changed. Our bank is Santander. I am not filing right this second, so I can make the change still. I have some other questions and am making another post to the forum in a little bit - maybe you could take a look? Thank you again.
I would close all joint accounts now. You don't want any cross-account issues when the BK hits because who knows how it might be reported internal to a bank.
If she needs money, you can use Zelle (supported by tons of banks) to send her money instantly. I sent $1000 via Zelle this week to a family member for a future vacation deposit they were doing. They had the funds in 8 seconds.
Also, I would highly suggest you work out a budget immediately. My best friend is in her 30s, has never made more than $12 an hour in her entire life, and she has over $60,000 saved (as of 2016). Making $10/hour isn't fun, but you can actually build wealth if you learn how to budget well. Now is a great time to learn those talents and skills, and you CAN do it.
I have read that is not a good idea to close a joint account before filing because it appears as though you may be trying to hide something. We are just two very low income people that have hit a rough patch due to any unfortunate set of circumstances which were out of our control that have occured over that last few years. I am sure that is said many times on this forum.
I saw your other post; unfortunately I filed Ch. 13 in Northern District of Ga., so for your questions I can't really help.