I know this thread is 4 years old but I would like to share my perspective as my husband is on the flip side. I am very disheartened to find so much prejudice against people who have filed for bankruptcy. Not all cases of bankruptcy are due to irresponsibility with finances. In my husband's case, he was forced to file for bankruptcy because his ex-wife, who was awarded the marital home in their divorce failed to fulfill a court order to have the property refinanced in her name only, as she was a cosigner on the original mortgage. Upon meeting a new beau who got a job promotion in another state, she abandoned the property, leaving the mortgage debt to my husband, whose name was still on a mortgage to a house that he had no legal rights to. So, he was left with no option but to file for bankruptcy. We are, and always have been, very responsible with our finances. We pay our bills on time, have perfect rent history, and perfect repayment history repaying his chapter 13 bankruptcy. We are just awaiting his discharge papers from the courts. Meanwhile, we are being forced out of our current apartment because of black mold, yet cannot find anyone to rent to us. Our current landlord has no available units and says he cannot afford to put us up in a hotel while the apartment is being renovated. We cannot find a rental agency who will give us so much as a glance because of "policy". Everyone is entitled to their opinions and personal decisions, but make them based on individual circumstances, not just judging everyone by the same standard despite differing situations.
