When you remember where you owe, just ask your lender or other service provider
If you are able to remember where you “cut” your debts, it is enough to search your paper documents (letters from companies) or e-mails, which might hide information about whether you have already paid or how much you still owe.
But if you do not find the documents, simply contact the lender or the insurance company where you canceled the insurance, or the municipality from which you moved, asking if you still owe anything or if everything is in order. It will be black on white and nothing will surprise you.
If you don’t remember everything, contact the debtor registers
Debtor registers collect most information about your debts, with the exception of loans that are unattended and unregistered. For such loans, be particularly cautious with repayment, because you have no way to know about any debt before the execution order comes. Some quick loans are really not entered in the registers, so there is no official record of them.
Nor are your debts owed to public institutions such as the municipality, health insurance company, state social security administration, etc.
If you want to contact the debtor registers to ask if you owe something, be vigilant. You do not have to worry about official registers, but definitely avoid unofficial registers. They just pull you money for a statement that has zero information value. And these unofficial registers know it, they deliberately run this unreliable but very profitable service.
Which registers to safely contact?
Then there is SOLS, which is a negative register, you will find only outstanding debts, including those with mobile operators or energy suppliers. Current loans that you regularly repay, you will not find here. The statement from SOLS costs up to USD 250, depending on the form you wish to send it to.The statement may contain data from both SOLS itself and from the Central Register of Enforcement and from the Insolvency Register.