Accountants, Insurance agents, financial planners, stock brokers, tax people, Trust administrators, loan officers at banks (banks won't buy a seller financed note) bankruptcy attorneys, any government office that administers public benefit programs: Division of family services, welfare office, medicare, don't think that a note holder is always wealthy, they inherit a note and can't live off a $300 payment, the note is an asset and disqualifies  people from receiving benefits.When I said "they called me" it wasn't just note holders, many times it was the people trying to work with the note holder, they had a problem to solve to assist their client.I was the only Note Appraiser in the state, I believe, the state sent me notes to appraise!

The previous renter has contacted me and has stated that if I continue my case, he will file bankruptcy to keep from paying.The amount is approx. $1,700.00.  

This is honestly what helped my business absolutely take off - I partnered with a general counsel that worked in a reputable firm that handled everything from closings, bankruptcy, probate, divorce ....I mean you name it.

Credit card utilization ratio, judgments, missed payments, short sale, bankruptcy, collections, etc.Here are two sites that will help you better understand your score and how to fix it.

I had a bad partnership years ago in another business that ended in near bankruptcy after I gave up controlling interest to merge my successful business with two other partners. 

Bankruptcy filing.

Renting to family is the quickest route to family strife and bankruptcy.

Bankruptcy risk.  

Student loan debt never goes away(bankruptcy etc).

I'm not super familiar with WA law, but I believe that specific term applies to a bankruptcy exemption or property tax exemptions for those with low income, seniors, and the disabled.