Mommy is using daughter to pay a debt

It sounds like a difficult and perhaps confusing situation. Using a child to settle personal debts is not appropriate, as it can lead to emotional and psychological harm. It's important for both parents and guardians to prioritize the well-being of their children. If you or someone you know is in this situation, it might be beneficial to seek professional advice or support to address the issue in a healthy way. If you have more specifics to discuss or if you're looking for particular advice, feel free to share.