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If you do not know who you owe or how much you owe, you should obtain copies of your credit bureau files. All of your major creditors report, on a regular basis, all of their customer's account information to the credit reporting agencies. Once you have copies of your credit bureau files, you will be able to determine who you owe and how much you owe. To obtain your annual free credit reports under the FACT Act, visit; you can also call 877.322.8228.

For help reading your credit reports, contact a trained credit counselor. Your counselor will review your reports with you and help you to determine a course of action to pay down outstanding debts.