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Social security will use ANY means available to them to recoup what hat owe them, including them, including your payments due to you and your federal and most likely state refund, and if you have been working for at least 12 month, your wages may be garnished as well.
Generally, social security can only recoup from you only, but if your mother was a legal guardian during that period and technically should have known about the rules, they can go after her social security as well. You can pay off the entire amount by sending a check to social security (or drop it off at your local o.ffice) or you can call social security to set up a payment plan or pay over the phone @ 1-***-***-****
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