As-salamu `Alaykum warahmatullah wabarakatuh (May Allah's Peace, Mercy, and Blessings be upon you!).
My mother always buys and sells things without any previous experience in this field which exposes her to debts which she cannot pay; what should I do?
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We thank you for your interest in fixing your mother's affairs, but you do not have much to do. You should advise your mother in a good and nice manner and in a suitable time. It is preferable that you advice her when she feels sorrow and regrets something she had lost or when she is in despair of her debts, and try to convince her to reduce her purchases to the minimum. We know that some women have inclination to purchase even if they do not need it, but I did not understand from you the nature of buying and selling; are these commercial projects or what?
In any case, some people do not behave well in regard to money, so tell her nicely and respectfully that borrowing money is not easy and we should not use that way to pay the debts or buy things recklessly because we know that debts are not dropped from a person even if he dies as a martyr. We also know that the Prophet (peace be upon him) used to ask before offering the Funeral Salah for the dead: "Is he or she indebted?" Verily, debt is a burden at night and humiliation in the daytime.
Hence, the matter of debts is great and not easy and may lead to many worries and psychological troubles, so I believe that she will behave well in her money.
Furthermore, you should pursuit the proper means such as cutting down the family expenses, seeking the help of some family members and friends to pay the debts, go to the foundations which provide financial help for indebted families, and you should keep on invoking Allah (Glory be to Him).
After all, I advise you not to think about worries and troubles anymore, focus on your study and excel so that your mother would be proud of you so that you would be able to help her in paying her debts.
May Allah grant you success!