Usually they simply blame their bankruptcy attorneys, ex-spouses, and employers.
Medical bills are probably the number one reason.
I got hit with some ugly bills two years ago and the follow up treatments continued on until about a month ago. I should be all paid up in about a month. But I think I will NEVER stop recieving letters and phone calls from debt collection agencies regarding balances that are obviously fraudulent. I really don’t know what to do about that. In fact I just got off my CELL PHONE 5 minutes ago with a “credit management” firm from OUT OF STATE claiming to have three accounts with my name on them. They didn’t know where I live. They wanted to know my employer and my social security number. The caller ID said “RESTRICTED”.
What is this crap?
One time a guy called wanting me to meet him in a parking lot to get a check from me to pay for his “credit restoring” services.