help in finding out who i owe

Check your mail regularly because the loan companies will be sending you letters when they want to get their money back. In some cases, lenders will hire a collection agency for recovering the debts. They will be listed in your credit report. Monitor your credit copy regularly and see the status of your accounts. Call the companies and make your payment arrangements.

If any of these loan companies debited your bank account at anytime in the past, your bank statement should show who the loans were from.

i lost all my records, bank records and such when we moved the 1st time. any other ideas, suggestions, i cant check my credit report just yet cause it hasn't been a year since i last checked it. any help will be great thanks guys and gals

You should be able to contact your bank and explain what happened and request copies of your bank statements or if you have online banking, you should be able to pull up copies of your statements/history on line.

ok they would still have records of it even if i dont bank with them anymore? here's another question, since i had the loans i've moved to different state so which state law applies the one where i currently am or the law where the loan was made and recieved?

I would think you old bank would still have some sort of record. Doesn't hurt to call and ask.

They have to save your records for 7 years so retrieving the info you need should be no problem.