the defaulter is a legal heir of his mother
so he has an undivided share in the mother's flat
so that much share which the defaulter has in his mother's flat can be touched or taken as security by the lender towards security
if there are other legal heirs of mother, they would be having their respective undivided shares in the flat
so even if this flat is attached and is put up for sale, there will not be many buyers as no one likes to buy an undivided share of the house since the buyer would not get the possession
but this share of the defaulter in his mother's flat can obviously be attached and be taken as security by the lender