Unpopular opinion but it’s another perspective and I went through this - How old is your mom, who does the house belong to and is your mom open to declaring bankrupt? another Question you have to ask yourself is: are you totally ok with helping to pay off your mon’s Debt? When i was 15, my dad ran into a lot of debt and had to be declared bankrupt. My mom who was working in a bank for 31 years had to give up her job because you cant be in a bank if you have an immediate family member who’s a bankrupt. Long story short, both parents declared bankrupt. Tbh, bankrupts in Singapore are quite protected. Yes, you cant own property, cant leave the country etc, but you can still get by. Additionally, the official assignee will handle your mom’s debt and See if it’s possible to workout a deal, so you don’t have to worry about it. In my case, my parents struck a deal to pay off a fraction of the debt with cpf when they reached the withdrawal age.