1) Is your mother behind on the first mortgage payments?
2) If she is behind, will she be able to make the payments going forward?
3) Has either mortgage company started foreclosure proceedings?
If the mortgages are current, and if the total balance on those mortgages is more than the value of the house, your mother will be able to keep the house if she files a Bankruptcy. Debtors who file a Bankruptcy can only lose the house if they are not paying the mortgage, or if the house is worth more than the mortgages.
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No - you are not responsible for any of her debt, unless you co-signed or personally guaranteed any loans for her.
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