I have no clue who and how much I owe to people.
You need to review your statements (either online or the hard copies) from your creditors.
Information concerning your creditors, in the form of your free credit reports, can be had at the link below.
https://www.annualcreditreport.com/index.action
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You are not receiving credit card statements? You do not know how to access your credit card accounts online?
Go to this website and request a credit report - https://www.annualcreditreport.com/index.action
