What can a person do about a judgment on property repossessed in 2002?

Friend had a mobile home purchased for $20,000 repossessed in 2002. She was recently notified by sheriff that judgment was filed against her for $85,000 (trailer cost plus 10 years interest). She received notices in the mail (non-certified or registered) and tossed them as she "was not going to pay for something she did not have." Now she is being told if she doesn't arrange for pay back, they can take her property away (she does not own but is paying for). Her property is not homesteaded because her son lives in a second trailer on the property. My friend cannot afford an atty or to pay back the loan. What are her options, file bankruptcy? Any legal brains out there that can tell her how to proceed? Many thanks!