If the mortgage loans were discharged in the bankruptcy, she can sell the house or she can stop paying and walk away from the house, or she can try to refinance the house with a different lender.
If the mortgage loans have not been reaffirmed, the lender can pursue its collateral only. The lender can foreclose if payments are not made or the lender could get a deed in lieu of foreclosure.
For credit reasons, an agreed upon short sale could be smart, this if the mom does not want to keep the house. If she wants to keep the house, she has options.