In general, you would be personal liable for another person’s debt only if:
- you agreed in advance to be personally responsible, such as by co-signing or guaranteeing a particular transaction
- you are liable for the debts because of another legal relationship that results in a duty of support, such as by claiming that person as a dependent, or
- your negligence caused the debt, which the financier may or may not be arguing, depending on the circumstances of your accident.
And putting yourself in an uncomfortable place for a moment—the shoes of the loanholder—you might even agree that someone, somewhere should be legally responsible for paying the debt owed. As you may already be discovering, the company is likely to go after you or your mom or perhaps both of you, in an attempt to collect.
If money is especially tight and you want some advice and counsel on this matter, including how and whether to negotiate a reduced payment, contact the Consumer Credit Counseling Service.