If she does not make house payments she will eventually lose house to foreclosure. Some lenders are quicker than others
She should try to renegotiate the loan if she thinks she can make payments in future
Houss will be dealt with bankruptcy or not
Worst
Case
She will survive and start over takes time
Foreclosure may take 4
Months or more
After she receives
Notice of default
When they file
Foreosurse they will evict her