Legal Question in Bankruptcy in Iowa

Unfortunately, the answer is that if a judgment is found against a person who was responsible for such a thing they could declare bankruptcy and leave you out in the cold. On the other hand, in such a situation there might be bankruptcy fraud somewhere if there's any concealment or preferential transferring of assets, which means an attorney would have to unravel that mess. It's very fact specific.

Did the home day care provider not have homeowner's insurance? Or are they just not telling anyone? I suggest you contact a competent attorney as soon as you can to secure your rights.