debt help and where to start

None of us here will be able to let you know who you owe the money to. You can get hold of a credit report from any of the credit bureaus and check out who your creditors are. You can even get hold of a free credit report (once in a year) from annualcreditreport (dot) com. You need to contact your creditors and settle or consolidate your debts. You may even take the help of a debt relief company in order to pay off your dues. To know the required steps to settle your debts with your creditors on your own, take a look at: http://www.debtconsolidationcare.com/steps.html