Bankruptcy can actually help someone more in the long run by not allowing debts to linger on one's credit for a possible judgment against them. As Iowa families struggle to make ends meet, bankruptcy is becoming a common occurrence. One woman's ex-husband filed for bankruptcy after both of them were evicted from their former place of residence. However, the woman never filed for bankruptcy and creditors are still contacting her in regard to the debts owed.
Fortunately, for the ex-husband, he was able to discharge the apartment debt out of his name. Since the woman never filed for bankruptcy and the apartment was in her name too, the creditors can still hold her liable. Because it has been 12 years, it is probable that the creditor was already awarded a judgment against her in an effort to collect the full amount owed. Also, the longer a debt remains unpaid, the more interest is likely to accrue on the original balance.