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Assuming your debts (bills, credit payments, etc) are being paid through your bank (bank debit system) or an accredited loan organization it is a simple process for you to check your bank or credit card statement/details and see what monies have been removed or sent out in regard of debt repayment.
If you have borrowed money from sources outside the banking or normal credit system then arrangements will have been made for repayment of which you should be aware. As you are aware of the method of repayment you should also be aware of how to check that payments are being made... if one such loan was made by you to a colleague and you are unsure of whether he is repaying his obligation then Tommy 'the kneecapper' Jones and friends are the usual recourse to persue such debts or vice versae depending on who is the debtor.
Hi,
A monthly breakdown of payment is sent to your creditors. The debtor also receives statements from creditors.
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If you pay them you wont have debts if you don't pay them, then you have them.

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