Reverse Mortgage

My neighbor has a reverse mortgage she lived in the home with her handicapped brother. He recently had to go to a nursing home. She cannot afford to stay in the home as she does not get his income from social security anymore. She wants to move to a senior bldg. The home is worth less now than when the RM was taken out. The mortgage company says she has to file bankruptcy. She does not have the money to file. What happens if she just moves out? I know they take the home but can anything happen to her? Her name was the only one on the RM.