My checking and savings account have been frozen by a credit card company. My husband's name is not on this debt but we have a joint checking account. Can they take all of our money?

If it is a joint account, they can take the funds in that account. Depending on which state you live in, there are different exemption rules. In Michigan, they can take all the funds, even if the account is joint, as long as it has your name on it. If your husband had an account with his name only (which is what you may want to set up immediately), then they could not take those funds. Your husband is not legally responsible for your credit card debts if your name is the only name on the credit card. Check with your state's laws regarding collection and exemptions.