Here is a frequent statement I hear from my bankruptcy clients when they review their bankruptcy petition before filing:"That debt isn't mine."I usually reply: "But it is on your credit report"I have heard, that over 60% of all credit reports have errors on them.Some may be as small as an incorrect spelling of a name, or an incorrect address, however, it could be someone else's information, such as a wrong social security number, or worse....someone may have stolen yours and is running up...