No, you cannot inherit her debt. The debt is owed by your mother and you are not responsible for paying it with your own funds. Any funds left by your mother should be used to pay funeral expenses and any remaining money to medical expenses for her last illness. It sounds like there won't be anything left to pay anything else. Any remaining debts, such as credit cards, are not your responsibility and you should not try to negotiate any sort of settlement that involves contributing your personal funds. You are in no way personally liable for your mother's debts.