<prompt> Human: My mom was married to a guy who owned a business. He took out a small business loan and she co-signed it facepalm. They got divorced and split up all of their assets each ended up witha house and the loan isnt mentioned in the divorce agreement. He was supposed to take care of the SBA loan, but its not in writing facepalm.Today, years later, my mom gets a demand notice from the US Treasury for 105k for the SBA loan. My mom just sold her house for 200k and its sitting in her savings while she downsizes. Her ex-husband still has his house but he has borrowed against it.She seems like a sitting duck; the US will simply yoink it from her bank account rather than try to squeeze the exs over-leveraged real estate, right?Is there anything she can do? Im thinking her best, but still lousy move is to pay it rather than wait for it to be seized and then sue him for half so she can try to collect on it if he comes into money.  <response>: You mom and her ex husband owe 105,000. If there was no legal conclusion made and she co signed, then regardless of what you think, she got a personal loan so she owes that money back now. Same with him, doesnt matter. Somebodys going to pay, and your mom has a fat bank account. PSA: Dont make the same mistake as OPs mom folks. 