My mothers checking account was frozen over my debt, HELP!!!

About 3 years ago I attempted to start a business as a mortgage broker and ended up in financial trouble because of it. To make a long story short Florida got hit with a few hurricanes and in 6 months I was financially sunk. I didn't owe too much but at the time 6K was more than I could handle considering it was spread out over a few accounts and each were whacking me with $75 late and overlimit fees. I tried to explain the situation to account holders, and went back to college to prevent something like this from happening again. It seemed like a good idea when the cost of living plus bills would keep me in a forever debt. Eventually I stopped answering creditor calls and understandably they didn't want to wait until I was in a possition to pay them. So now I'm getting ready to graduate at the end of the month and can get a job that pays enough to live and work on clearing everything up. I got a frantic call from my mother this afternoon saying that she just got a letter from the bank saying her account was frozen. She's on disability and added my name to her account for emergency purposes, which I didn't know about. I was never contacted about a court date and the account isn't mine. I understand that I screwed up, but I can't let my mother pay for it. I've been living on Ramen noodles for the past 2 years trying to keep up with tuition, and a roof over my head so I really don't have a lump sum to offer. The accounts that had a balance of about $1500 each have all skyrocketed and the one judgement is for 6,000. Now I owe almost 20k and am hoping that I can work out some kind payment plan for more reasonable amounts, but I need to fight them about my mothers accounts? She didn't do anything wrong and I need to clear this up as checks are going to bounce and its the account that her disability is deposited to. Please help me, I need advise!!!