"Slim Chance"

[crackedmuse]

...In any event, in a situation like this, you need to assess the psychological state of the person. The reason I mention this is that when in comes to finances, there are only 2 choices; increase income, decrease expense. Clearly, increasing income is the harder of the 2 options. Sometimes, (a lot of the time, actually), filing bankruptcy can be the catalyst to get life on track because it is something proactive that the person CAN do to help their situation. That action can have innumerable benefits on a persons state of mind and outlook; which shouldn't be overlooked. Being judgment proof is merely a fact, NOT A COURSE OF ACTION.

THIS.

I filed in very similar circumstances, but being much older than OP's girlfriend, that "what if" medical situation is much more likely. Regardless, I could not reconcile being judgment proof as insurance for what might happen, against the very real stress of what was happening.