Alina Selyukh The alarming phone call came from Jane's daughter, away at college. Her debit card had suddenly stopped working. Something was wrong with their shared bank account. What happened to all the money? Jane's heart sank as she dialed her bank. The funds were still there, the bank said, but frozen — every penny, in every account. The directive came from a finance firm that had loaned to her small business. There had been no court order, no trial or hearing. "It devastated my family and my business, with no warning, zero warning," Jane says. "They shut down my entire life — not just my business accounts, my entire life." Jane runs a small firm in the medical industry in Indiana. She asked that NPR identify her by her middle name to speak candidly about her debts, which she has not disclosed to her customers, employees or industry peers. Some of her financial settlement negotiations are still ongoing.…