You are in a dilemma. I know there are some programs where you meet with someone and can have your debts worked out, so the places you owe might be willing to work with you. Or you might be able to at least ask different places you owe if you can work out something until you get back on your feet. Is there a Social Services agency near by? Maybe you can call them. Some churches might give money (usually a one time deal) if you meet certain criteria.

I guess your mother is not willing to work with you because she saw you being frivolous with your money and thinks you should suffer the consequences.....