If you suspect some of your old debts are in collections, there are ways to locate them and settle them for good. Artisteer/Getty Images

If you've fallen behind on your bills or have stopped making payments altogether, there's a good chance one or more of your accounts could now be in collections. Many people are dealing with this issue right now, thanks to high interest rates causing balances to grow, rising costs causing budgets to be stretched and a generally tough economic landscape that's having a wide impact on millions of Americans. And, if you're one of them, figuring out exactly which accounts are impacted and who holds them now can feel like a monumental task.

After all, a lot can happen between defaulting on a debt and it landing in the hands of a debt collec

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