I was looking for a website for bankruptcy laws... I currently live in TN my husband and I have no credit card debt. We both had our ID stolen when we went to Korea and Iraq (we are currently trying to prove who did it) and needless to say both our credit histories are destroyed. We have tried to dispute our credit reports but the few responses I got back from the creditors are they need to see proof of a police report. Some of these debts are a few years old already and we are just hearing about them. We also asked them to show us proof of these accounts with no replies. Would it be better to just declare bankruptcy and start fresh. We don't want to lose our house or vechiles but we want to get this matter overwith. It is so bad I can't even get a private student loan. Thanks for any advice and/or tips.