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You can ignore Chase. You are not liable and they can take nothing from your mom. Her SS income and any retirement income are all exempt and beyond their reach; they can not be garnished before or after receipt. She can also get them to stop pestering her. Until they file suit and get a judgment, they can do nothing. BUT, even if they get a judgment, they still must collect it. And, since she has nothing but exempt assets and income, they simply will have an uncollectible judgment. Whether or not they will even pursue this depends upon their assessment of the collectibility of a judgment. So, if they actually do send notice they are going to file a civil suit, if you can convince them there is nothing for them to get, and that if they were to pursue a judgment, your mom would simply file for bankruptcy protection and get the judgment discharged—and even if she has no intention of doing so, it is still good leverage with them because they do not know whether or not she would… then it is unlikely they will spend the time and money necessary to get a judgment they believe is uncollectible in the end.
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