Two things you don’t want if you are filing Chapter 7 bankruptcy. One is a bank account at Wells Fargo, and the other is your name on a joint account with a family member who is not involved in your bankruptcy. Wells Fargo accounts are a problem because, as I previously wrote on this blog, Wells Fargo will freeze all bank accounts with your name on it even if the account has only exempt assets, such as social security, annuity proceeds, or head of household exempt wages.