If your mother co-signed the loan, she is equally responsible for the debt. Without any other information concerning the student loan debt (i.e., what type it is, whether it's been resold or assigned, etc) and what other financial circumstances are at play, I cannot say whether there is a way out of this debt. My suggestion is for your mother to contact a bankruptcy attorney here in CA to see if there is anything that can be done. Also, if she can work out some type of payment plan, it would be worth appearing in the lawsuit to try to negotiate some type of settlement with the creditor. They don't have to settle with her, and considering generally educational debt is not dischargeable in bankruptcy, getting a settlement may be difficult. However, it couldn't hurt to try to strike a deal in order to avoid a default judgment and then wage garnishment.
There isn't anything you can do about it. You defaulted on the loans, and CA is an appropriate jurisdiction since one of the guarantors of the loan (mom) lives there. So, they now obtained a default judgment against you, and they are also going after your mother. Your bankruptcy won't relieve you of the liability for the loans, and garnishment is certainly allowable.
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