What do I owe and to whom?

If these were not opened by you, dispute them! File a police report for identity theft!

h mendoza-
tough spot. you have a couple of options:
1. Pursue identity theft-whomever opened these accounts in your name would be accountable to this. However, this involves making a police report and lots of follow up..
2. If id theft isn't something you would like to do, then settling on these accounts might be a good possiblity. Are the accounts current right now? THis is a big factor in determining this option. Generally speaking these accounts must be delinquent before a creditor will be open for this option. It involves paying a fraction 30-50% or so, of the face value of the debt in either one lump sums or making payment arrangements towards amount.
3. Enter debt consolidation program-really can help lower your debts into a once a month lower payment plan. Down side, it takes a long time to complete the program and alot of people do not finish.
you always have the option of debt consolidation loans if your score is still good enough..
But your first step in this process is to pull your credit report(annualcreditreport.com..this one is free) and see whats there. they should have incuded phone# for the creditors and pull out any statements from these creditors if available. Straight out call em. Ask what you owe they can tell you. You might want to ask if they offer a hardship program that might help you. Keep us posted-we'll try to help if we can..

but i must point out, if these debts were not opened by you and you did not spend the money-then you certainly aren't liable for them-police report-listen to soap-she'd good...but you can choose to pay them if you want to..not my recomendation...