She may file bankruptcy and totally wipe this out. Or, she may file and be ordered by the bankruptcy court to pay some portion of it. Or, she may file and be deemed ineligible for any bankruptcy relief.
Bankruptcy laws changed a while back and it is not as easy to file now as it once was. All filings are scutinized carefully, and the eligibility requirements are much more strict than they once were.
It would be pretty cool, though, to see her file and have all her debts wiped out, and then the court finds out she had some cash stashed somewhere all along. Ooooh, yeah...that's what I want for Christmas!