Thank you for your reply.
Yes, that is correct, because the account is joint tenants with right of survivorship
, it does not become part of her estate and it goes directly to the surviving joint tenant.
He does not have to worry about creditors coming after the money in that account, as it is not considered a part of her estate and the debts of the estate are payable out of the assets belonging to the estate upon her death. This is no different than if there were an insurance policy with a named beneficiary, the beneficiary takes the policy without the proceeds of the policy being subject to creditor claims.
How did she have your name listed on the joint account as well, if you were a joint tenant on that account then you too share in that account.
Unfortunately, without a will and by listing people as joint tenants, that removes that account from the intestate probate process meaning it would not be divisible by the probate court.
If he spends the money in the joint account the creditors cannot make claims against him as that money belonged to the surviving joint tenants. If your name was on that account as a joint tenant then it must be split with you evenly.