in 1995 my husband and I took out an unsecured line of credit on a business in AZ. he passed away in march of 1998 and I closed the business and bank accounts at that time. I moved to So. Calif and still bank in AZ. broke my ankle and was out of work for 10 mo. I noticed the loan was sitll showing on my accounts and used the money to live on for the time I was out of work. 2 yeas ago the bank contacted me to inform me the loan was in default the day my husband died, yet they let me continue drawing money from it and making payments on it all this time. They have continued letting me make payments (I make double the payment each mo. ) now I have received a letter giving me a date of July 25, 2012 to have it paid in full. my question is can they touch my social security or retirement checks. please I need help.