At this point I secured a relief of stay from the bankruptcy court.  

One family had past bankruptcy, another family had an eviction on their record, the third family had a criminal record so I passed on all of them (sent them a denial letter).

If the person admits to having a bankruptcy, a student loan default, or collection accounts, whatever, at least they are being honest about it.

She might have had a bankruptcy that fell off the report after 10 years.  

I also suggest you not commingle assets, business wise you need to be a arm's length as law suits, bankruptcy, creditors and insurance can become unintended issues when states recognize domestic partnerships with cohabitation. 

I always thought she'd move and file bankruptcy on it, but she didn't.  

High credit card debt, total minimum payments on debt way to high relative to income.They still tell a story that's worth learning about how a person runs their financial life, and if that equals risk to a landlord.So, I have to disagree that credit reports may not be an important factor, even if there are problems with the industry posting errors on their reports.Medical bills are the biggest cause for bankruptcies.

On the other side of things, I see plenty of apps over 700 fico with recent bankruptcies or major collections.

She'll probably just close it, and/or file bankruptcy and include the judgment in it.  

My lawyer seemed to be worried about them declaring bankruptcy, and escaping the judgment that way.