If your mother has sufficient non-exempt equity in her home to pay off her debts, then she should consider alternatives to bankruptcy -- such as refinancing her home and using that equity to pay off her debts. Given that she is attempting to file for bankruptcy, it seems very possible that she would need a cosigner in order to refinance.

We are not in a position to comment on how much equity she may have in the home, but if you are correct then she has ample equity above and beyond her exemptions that could be applied to her debts.

If she wants she can discharge her bankruptcy case now, or she can wait to see what the appraised value is and make her decision once she knows that information.

In a Chapter 13 bankruptcy, she would restructure her debts -- so that may be a viable option for her, although similar issues apply. She may end up repaying 100% of her debts over the course of the repayment plan, with the primary benefit being that her monthly payments may be lower during the course of the repayment plan.

Mom really should discuss her situation with a bankruptcy lawyer, and really should have done so before filing.