lawfag here
make sure she gets ALL the exemptions she is entitled to in BR Court - they vary state by state but are much larger than you might expect includijng equity in dwelling and many oher categories plus retirement AND income are untouchable
so BR shud leave the widow OK with income and reasonable assets and NO debt which is the goal ofBR law - a fresh start so look at it that way and its a good thing
PS - medical debt is the #1 cause of personal BR let that sink it (no picrel)