Florida law does not have any antideficiency law. The only protection that is available is between spouses who are named on title as "tenants by the entireties," and then only where only one spouse is the borrower on the loan.
Bankruptcy would be the only legal solution. However, if your mother has few if any assets, and her income is solely from Social Security, then she is what is known as "judgment proof
." This means that even if she has a judgment against her, there is nothing for a creditor to have the sheriff seize and sell. Consequently, in most cases, someone of extended age with no source of income other than Social Security, and no assets
to speak of (other than perhaps a principal residence), bankruptcy may be unnecessary to protect them -- because they are judgment proof.
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