Question: how to know if you owe money to debt collectors?
Answer: Step 1: Get Organized. ... 
Step 2: Obtain Copies of Your Credit Reports. ... 
Step 3: Contact the Original Creditor(s) ... 
Step 4: Reconcile Your Information. ... 
Step 5: Determine Extra Fees the Agency is Charging. ... 
For Additional Help, Contact a Credit Repair Agency.