Is what the questioner sees in her dream—that her deceased mother owes a debt—an indication that the mother is being tormented because of her bequest of gold to her only daughter, or that she owes a debt to another person, knowing that the mother was righteous and religiously committed?

A bequest to an heir is not permissible unless the other adult, mature heirs willingly approve it. So, if your adult, mature siblings willingly permit you to take the gold, there is no blame upon you. However, permission from a minor, or from someone who permits out of shyness, is not considered valid. As for the dream, it does not prevent you from taking your right. If the mother had a debt, it must be paid from the principal of the estate before any bequests or distribution of inheritance.