COPE, Judge.
Grant L. Beardsley appeals an adverse final judgment in a garnishment proceeding. We reverse.
Appellee Admiral Insurance Company ("creditor") obtained a judgment against appellant Beardsley ("debtor") in an action on a promissory note. Creditor then served a writ of garnishment on NationsBank of Florida. The bank filed an answer stating that it had two accounts titled jointly in the name of debtor and Sue M. Beardsley.
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