How can I find out how much debt I'm in? Is there a website I can check at?
601231
I you want to know how much debt you're in, you're going to have to do the 'legwork' yourself. Just gather up all  your most recent 'debt' statements: credit cards, car loans, mortgage, medical bills, etc. and then add all the totals up and that will give you a fairly accurate picture of just what and how much debt you're carrying.
332888
There are hundreds but they all charge outrageous interest rates and up front fees which just perpetuate the debt cycle.\n\nBetter to go and look up a debt councilor - usually a free service in your local area.
246507
I'd check your credit report.\n\nhttp://annualcreditreport.com is free, no catches, nothing to join.
265071
Go to a bank!  You can check the information on line!
1170022
Visit Creditboards.com or creditnet.com. Lots of helpful people there that might be able to point you in the right direction.\n\nGood luck!
833164
Try Consumer Credit Counselling Service (0800 1381111), National Debtline (0808 8084000) or Citizens Advice (www.adviceguide.org for advice or to find local bureau). They all give free advice and can negotiate on your behalf with creditors.\n\n"Debt management companies" are profit-making organisations who WILL charge you, so avoid them.
254070
http://www.army.mil/cfsc/documents/fm/debtSampleDemandnote.DOC
831525
Try annualcreditreport.com
1178845
Go to one of these and your credit is done.  It will be the same as filing for bankruptcy when it comes to buying a home.  They can get your debt reduced, but this is how they do it.  First they tell you to stop paying your payments (there goes your credit), then when you are about 3 months behind they contact your creditors and make a deal to take less.  If you send them the money sometimes it doesn't get paid anyway.  IF you use one, be very careful.  You should just pay your debt for yourself.  A good book to read that will help you get out of debt is "Total Money Makeover" by Dave Ramsey.
291654
OK, I'm assuming that you have a entry on your credit reports for this debt...what is it listed as?  American General?  \n\nCan I also assume that you have already attempted to contact them by phone and mail?  No response?\n\nOkey-dokey!  Easy problem.\n\nSend a letter to the credit agencies demanding that they verify the debt and/or remove it from your records.\n\nThe agency will have 30 days to locate who owns the debt, and to verify that it is a legitimate debt.  If they find them, they will supply you with that information and you can pursue payment options with that company.\n\nIf they do not get a reply from them, then obviously they can't verify the debt.  By law it must be removed from the credit history.\n\nBe sure to check all three agencies to see if this debt is listed.  Go to www.annualcreditreport.com and get copies of them.\n\nGood luck
985749
it should be listed on your credit report\n\nwww.equifax.com
297572
Don't you have bookkeeping records?  All you have to do is go back through your checking account and see if you paid or not, it's that simple.  If you didn't, you owe them ... if you did, you don't.
232774
www.annualcreditreport.com\n\nThis will supply you with the three major credit reporting co. Transunion, Experian and Equafax. They will ask you a series of questions pertaining to what may or may not be on your c/r. Transunion will ask you for account numbers- so be prepared. Most collection debt is reported to Equaffax and Transunion. CC debt will be on all three. Just to give you a hint where to look!\n:)
547357
Use the Credit Bureau sites. Read everything on these sites. They give good advice and guidance toward improving your credit record.   Each year you can now get a free report from each of them. You can also buy a report that includes you FICO score. This number will give you and potential lenders an idea of what to expect from you regarding repayment of debts.\n\nIt is more than just time. It matters what else is on your record, how stable your residence has been, even where and what kind of home you live in. It helps to learn which lenders are more lenient, and to start with them and work your way up carefully.
639852
Go to Consumer Credit Counseling Service.  They can help.  Be careful if you try other services, some are legit but some will just take your money and go more into debt. CCCS helps you make up a payment plan and calls creditors for you and can get interest lowered.
203537
You have to go to the site of the company you owe the money to, set up an account & then you can view your status.
353323
Contact them as soon as possible to set up a payment plan.  Most government agencies are willing to work with you on that.  I've seen people pay as little as $20/month on debts owed to the government.  Depending on your situation, they may even take off any interest or late fees.  Just make sure you contact them before they start garnishing your wages.  You do NOT want that to happen...depending on the debt, they can take as much as 25% of your disposable income.  Good luck!