It's actually quite easy to find out who you owe money to -- and it could be creditors or collecetions agencies that you've forgotten about, never heard of, or who should have been removed from your credit report because you resolved the debt.
Tom McAvity recommends pulling a yearly credit report from all three credit bureaus. You are entitled to these credit reports free of charge under the Under the Fair and Accurate Credit Transactions Act.
If you are ready to file for bankruptcy in Salem, Oregon or Vancouver, Washington, Tom McAvity and the legal team at the Northwest Debt Relief Law Firm (NWDRLF) are happy to assist you with everything you'll need to get started. They offer a free initial consultation and legal support that is second to none. You'll need help understanding how to do your pre-bankruptcy "homework" so that filing bankruptcy in Portland or Salem, Oregon can be done efficiently and accurately.
NWDRLF and Tom McAvity offer 24 hour support in the form of an Internet portal where you can log in and check on your personal bankruptcy status any time, day or night.
So get started. Get your free credit report from www.AnnualCreditReport.com and get a feel for the ins and outs of your credit score and credit history. Once you've done this you'll have a much clearer idea of what you're up against, who you owe, and who you may have to file disputes with. It's fast, easy, and worth doing at least once every twelve months. Checking your credit report and score is like having a physical exam -- if you don't go to the doctor there's no way to know for sure exactly how healthy you are. Check your credit, and file for bankruptcy if you need to -- get more information on exactly how to do this by contacting NWDRLF at 1-866-601-1918.