If the owner is a govt entity, he can't file bankruptcy on the debt - yay!  

File bankruptcy, if you have to, and start fresh.  

@Rachel Pivonka By the way, is this the same applicant you mention in another thread, who has a bankruptcy from 2011 or so?

There are no lates since the bankruptcy.

Along with asking if they're willing to have their credit checked, I'd also ask them if they have good credit, do they know their FICO score, are there any judgments or collections or foreclosures or bankruptcies?  

Sorry, but anyone with a current judgment or collection is a bankruptcy waiting to happen.  

So, even if it was there at one time, if the person went through credit repair, the bureaus may have been forced to delete it per the FCRA.In fact, did you know: some 70% of bankruptcies on peoples' credit reports are reported inaccurately and, therefore, MUST be deleted?

Unless they file for bankruptcy, you can renew a judgment every 10 years or so.  

If that does not work to get you more free time in your smokey apartment, full of cockroaches that you brought with all your used furniture and dogs that were not allowed on the Lease, then, try to file for Bankruptcy before the Eviction Order is Executed and the Judge will give you another 90 days of free loader living in that smokey apartment.

Hi everyone, I have a lead who seems perfect on paper besides the bankruptcy in January 2016.