What a headache!
It will destroy your credit rating, too. And that can effect many other things
Eventually, there will be debt collectors and maybe a drama in Court. You could even end up in jail.
It is essential that you make a police report.
Perhaps you do not need to mention your mother.
Sometimes it is not credit companies at all, but bad people trying to harvest your details or get some money out of you.
So - just in case -
Contact the companies involved, but not by replying directly to the address given in the mail.
IE, look up their Email address, and then write to them, adding a copy of the mail you think they sent.
Tell them it isn't you.
Send them a copy of the police report - proof that you are being straight with them.
Ultimately, you would think that they cannot make you responsible for money you do not owe. That is not necessarily the case - so get moving.
You do not want to send your Mom to jail. That's very praiseworthy and loyal.
But remember that your Mom had no such moral dilemma about ripping you off - in effect, stealing money and getting you the blame for it. She has betrayed you.
She should accept responsibility for her own actions.
I'm so sorry.
You are not the first person to be in this situation.
There is something you can do. Call the creditors and explain to them that you did not open these credit accounts, and you have no idea who did. They will have to open an investigation into it. If they link it to your mom, well that was her choice to screw you. You can't let anyone, not even family use you as a door mat. Good luck.