Almost 18 yrs ago my husband at the time and I need to claim bankruptcy as I was pregnant with our 1st child and no longer working we were advised that I didn't need to claim because I was planning on being a stay at home mom and the onlt debt I had was on our house and our truck so yrs have past we are divorced and have remarried getting on with life in September it will be 18 yrs now a collector is call my house and threating to seize my bank and my assests (which I don't really have much of or in either ) I am now a mother of 4 I work part time my husband is on long term disablity I do not have the money to even think about paying this debt ( the house was sold but they want the differnce plus interest ) I am scared confussed no idea what to do if someone could please give me some advise it would be much appreciated Thannk you