By operation of FL law it is most likley that this is a TIC account in FL.
No, not likely. The form of ownership will generally be specified in the bank documents setting up the account. Most banks set up joint accounts as joint tenants with a right of survivorship (JTWROS) and, in states that recognize tenancy by the entirety (TBE), will set up spouse accounts as TBE. If you want an account to be tenants-in-common (TIC) at most banks you have to specifically ask for it, and banks tend to be reluctant to do it even then for reasons I won't get into. If the account documents do not specify the type of title, then in most states that recognize TBE ownership, the default form of ownership is TBE. I don't know what Florida's default rule is, but I'd not be suprised that it too provides TBE as the default.
Thus, it's likely that this account is a TBE account. If so, that would make the account exempt from attachment for the debts of just one spouse. I suspect that is the basis for Jsmitten-Esquire's statement that the creditor cannot attach the joint account. But the form of ownership should not be assumed—the poster should verify it first to know where they stand.
This means that your wife has a 100% interest in the whole. Has your wife gone to the bank and demanded access to all the funds she seeks? Wife needs to get pushy on what basis the bank is denying her access to her funds!
That won't work if the account was held TIC. If it was held as TIC, then unless Florida has a very unusual law, the attachment should be good. The fact that both owners of a TIC account share ownership of the whole account does not mean the account is immune from attachment for the debts of just one owner. What matters, as I said before, is that (1) the debtor has an ownership interest in the property and (2) the debtor has the right to take out all the funds on his own without consent from the co-owner. The creditor steps into the debtor's shoes and gets to pull the account funds out without the consent of the co-owner, too. It gets to exercise the rights that the debtor has to the property the debtor owns.
Think of it this way. Amy and Barry, a married couple, have a joint bank account held either TBE or JTWROS in a non-community property state. Amy has put most of the money into the bank account. Barry goes in on Friday and takes out all the money. Amy goes into the bank on Monday and does what you suggest and demand the bank give her the money. She won't get it—the bank will tell her to pound sand since Barry already took out the money and there is nothing to get.
Now, suppose Barry owes back child support from a previous marriage. The child support agency hits the bank account on Friday and takes out all the money in the account. Amy goes into the bank on Monday and demands "her" money. The bank will tell her to pound sand — the bank account doesn't have the funds in it anymore. The creditor, standing in the shoes of Barry, effectively exercised his right to take out the funds. Thus, the result is exactly the same from Amy's perspective as though Barry himself had taken out the money.
The exception here, as I said, is if the account is held TBE instead. That unique form of ownership makes the account exempt from attachment because in the case of TBE property, Barry doesn't own an interest in the account like he would in a TIC or JTWROS account. The marital unit (i.e the two spouses together) owns the account, and the marital unit is not the debtor in the child support case.
I'm very familiar with how this works as I attached many joint bank accounts in a number of states over my career at IRS. I was able to routinely hit joint accounts for the tax debts of just one account owner for accounts held TIC or JTWROS. I've seen many private creditors prevail in doing that, too.
I could not do that with accounts held TBE. The Supreme Court later determined that as a matter of federal law the IRS could reach TBE accounts, too, for the debts of just one spouse. But that is a unique ruling that does not apply to any other type of obligation. Private creditors are still unable to hit TBE accounts for the debts of just one spouse. That's why how the account his held is very important.