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First thing you need to do is call your state bar referral for the number to an attorney who practices in this area of law. Laws will vary by state. Referrals from the bar usually have a low or no initial fee.
Usually there are "exempt" items, such as a car, personal items and a minimum level of income (they can't leave you unable to pay for necessities). If these are not government debts, they won't be able to file an offset (meaning the government redirects to the governement debt obligation).
If she is disabled, is she able to drive? If not and it is worth $3500, possibly selling it to settle these (get a settlement for less than owed) so that you don't have to worry in the future.
They can seek judgements, report to her credit, etc. But there is only so much they can do if there are no assets and minimal income.
But again, I advise at least an initial consult with a bar referral attorney in your area that practices in this area of law.
She could also speak to a BK attorney. If she is permanently disabled and presents little or no ability to pay off the debts, then a discharge of debts may be in her best interest.