<prompt> Human: I am looking to rent an apartment but I am worried since a little less than three years ago I had filed for bankruptcy and ruined my credit for now. I was wondering that when they pull my application can me having a HOA balance due affect them approving my new apartment?  <response>: Think about it like this. If someone came up to you and asked to rent a room in your house and you checked and they still owed money to the last place and that last place got screwed because you filed bankruptcy, would you want that person living in your home? 