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Answer: Yes, your defense is that your sister "forgave" the loan and "gave" you the balance remaining as a gift.
I'm concerned about what you said about your mother's will. If your mother was incapacitated at the time, you may want to contact Adult Protective Services:
http://www.cdss.ca.gov/agedblinddisabled/PG1298.htm
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Yes, that probably does.
By the way, you don't have to listen to her in regards to your will, and, if you have a mind to, you can specifically exclude her from receiving anything. However, she could file a claim for the debt against your estate.
Attorney
Atty. 22 years; Plain English answers to family law, employment, landlord-tenant, & other questions