Good evening. If there are 3 of you on the debt and each of you have joint and several liability, then the bank can come after any or all of you for the remaining $436,000. Your retirement assets are beyond their reach. Also, if any of you should choose to seek bankruptcy proptection, many more assets are exempt from the reach of creditors.
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The information given here is not legal advice. As all states have different intricacies in their laws, the information given is general only. This communication does not establish an attorney-client relationship with you. I hope this answer has been helpful to you.