How would you suggest this person take care of their problem?

I COULD BE WRONG BUT I DONT THINK THEY WILL TAKE HER HOUSE WITH A LIEN IF SHE IS MAKING THE HOUSE PAYMENTS. ONCE THE HOUSE IS PAID OFF, SHE WILL JUST KEEP MAKING PAYMENTS UNTIL HER LIEN IS PAID OFF. JUST LIKE A 2ND MORTAGE, THATS A LEIN ON YOUR HOME. 3000.00 IS ALOT OF MONEY BUT NOT REALLY ENOUGH TO WASTE ON BANKRUPTSY. MOST PLACES WILL ALLOW YOU TO MAKE PAYMENTS, OF COURSE THEY WILL WANT MORE THAN YOU CAN GIVE, SO IF YOU CANT MAKE THE FULL PAYMENTS THEN JUST SEND ONLY WHAT YOU CAN AFFORD. ATLEAST IT SHOWS YOU ARE TRYING TO PAY SOMETHING. JUST MAKE SURE YOU DONT MISS ANY PAYMENTS AND STAY IN TOUCH WITH THEM ABOUT ANY CHANGES. IT WONT BE THAT BAD, THERE ARE WAYS AROUND THIS, EVERYONE NEEDS HELP FROM TIME TO TIME.