I had used credit cards for business, which unfortunately failed. I settled most of them, but some like HSBC and ABN, I couldn't figure out how to contact. Its been over a decade and I don't even remember the original dues. Recently, someone from Phoenix from Kotak group contacted me for ABN dues; it is 40K. Unfortunately, I don't remember the original dues now. Can I trust the company to tell me the correct dues? Also, how do I know if they will update my details after settlement? Should I take any letter from them? (I had not taken any letters in previous settlements as I was not aware and while the cheques were addressed to the relevant bank and card no. (so it wasn't fraud), I never received any updates or calls from the banks after settlement.) Thx.