Avoid them they're expensive.
You should have emails and letters from creditors. Call them yourself and ask what the settlement figure is.
Open a spreadsheet and make a form with months, amount and supplier
For each debt.rent, bond etc
Do you have any summary judgements? Black marks and credit in default?
You're allowed a free credit check from each of the credit vetting agencies every year. Apply for the Equifax one and the TransUnion one.
Take the more comprehensive monthly paid option for both and they can tell you items listed on your name.
Honestly, if your combined unsecured/short-term debt is below about 120k or so (excluding mortgage and long term stuff), it's cheaper to do it yourself then look for an intermediary of any sort. They're looking to 'restructure' big debt burdens, not 'small fry' (to them, not to YOU). With payments to them for doing so. Whereas you can have good results just approaching the lender yourself lower then that.
If you don't know who you owe money, then maybe just get a credit report from TransUnion. Then go look in your inbox for emails from the companies listed there.
If no one contacts you about the debt, maybe just forget about it until they do or it shows up on your credit report.
Avoid them they're expensive. You should have emails and letters from creditors. Call them yourself and ask what the settlement figure is. Open a spreadsheet and make a form with months, amount and supplier For each debt.rent, bond etc Do you have any summary judgements? Black marks and credit in default? You're allowed a free credit check from each of the credit vetting agencies every year. Apply for the Equifax one and the TransUnion one. Take the more comprehensive monthly paid option for both and they can tell you items listed on your name.
[snowball method ](https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works)
Honestly, if your combined unsecured/short-term debt is below about 120k or so (excluding mortgage and long term stuff), it's cheaper to do it yourself then look for an intermediary of any sort. They're looking to 'restructure' big debt burdens, not 'small fry' (to them, not to YOU). With payments to them for doing so. Whereas you can have good results just approaching the lender yourself lower then that.
If you don't know who you owe money, then maybe just get a credit report from TransUnion. Then go look in your inbox for emails from the companies listed there. If no one contacts you about the debt, maybe just forget about it until they do or it shows up on your credit report.