No, unfortunately your bankruptcy filing will have no bearing on your mother's financial obligations. When she signed the note she became responsible for the debt, in addition to you. So while your bankruptcy can discharge the debt insofar as you are concerned, your mother will remain liable. Possibly she can work out acceptable repayment arrangements with the creditor or, depending on the amount of the debt and her personal circumstances, she too can consider filing. Just so you know the maximum garnishment cannot typically exceed 25% of her disposable earnings (and in some states even less).