Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
You should pull your credit report from all three credit bureaus. If there is a debt being reported by them there should be an address and sometimes a phone number for the creditor that is reporting. If you filed bankruptcy this is the address that would be put on your schedule if you didn't have anything else to use to notify the creditor that you are filing bankruptcy.
If the debt was assigned to a collection agency it will also be noted on the credit report.
You can file bankruptcy and the debt would be most likely be discharged, but there are many factors to consider before you do that. You must meet a means test for Chapter 7, and have a steady income for Chapter 13 repayment plan along with others.
If you can locate them you may be able to settle the debts without having to file.
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