You might want to talk your mother out of filing for bankruptcy.  She may think she's being cute, since she doesn't have many years left.  But with the changes in bankruptcy law, the companies will get their money.  If she dies before what she owes is paid off, then it is up to her heirs to make good.

That's you.

And, in addition to, on top of that, it resets each time.  Which means, if YOU don't pay off the debt before you kick, YOUR heirs have to pay it off.