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1. In order for an unsecured creditor (a creditor that doesn't have her house as collateral) to place a lien on your mother's property would have had to sue her (or her estate) and obtain a judgment.....then, the judgment creditor could place a lien on the real property. You'd have to get an attorney or an abstractor to perform a title search on the property to determine whether there are any liens against the property other than the mortgage lender.
2. Banks are usually willing to assign a mortgage debt to a spouse, child or heir that is willing to continue paying the debt......otherwise, there is no alternative but to foreclose and take the liquidated proceeds to pay all or part of the mortgage balance.
3. Generally, a person has the right to remain in the house through the date of the foreclosure sale......after that point, they would be considered tenants under the law....and the creditor would have to evict them....which would likely take another month or longer.
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