Yes, you are an unsecured creditor,Customer(I prefer to use customers' sign-in names, Mr. H.).
Even if you successfully get the assets attached, bankruptcy law could reverse that attachment if the debtor files less than 90 days after the attachment. The BK Trustee
could try to "avoid" the involuntary
payment as a "preferential transfer", take the assets or money back, and throw it into the pot to be share equally with all creditors--according to the pecking order of "priority". Short version: all secured creditors need to get paid in full, the unsecured priority claims
like unpaid taxes
are next, and unsecured creditors are last. Each class has to be paid in full before whatever's left gets divided by the next-lower class.
There is a possibility of there being some security for the judgment if it can be made into a lien on the debtor's property...usually that starts with real property, so a renter is unlikely to have that to serve as security--and that's only if there is any equity
exceeding the loans on the property anyway.
There's no way that you can "head off" a bankruptcy filing. The Constitution in 1789 anticipated bankruptcy laws by giving Congress the authority to set up those courts. Anyone who is "debtor" under the BK Code
has a right to declare BK, so long as it is done within the guidelines of the law.