They should be in the front fender well, in the engine compartment.
No. You have to replace the bearing. If your local shop is good, takes less than 1 hour labor plus the cost of the bearing.
If you do not have the proper tool's, then it is really best to take the car to your local garage. This is a specific job.
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According to my Chilton's Auto Repair Manual : For a 1989 Mercury Topaz ( front wheel drive ) ( 15.9 US. gallons )
the front bearings on the 1989-thru-1997 ford thunderbird/mercury cougar cannot be changed, the whole front hub comes as one piece and have to be replaced as a single unit.
According to my Chilton's Auto Repair Manual : For a 1991 Mercury Topaz ( front wheel drive ) ( 15.9 US. gallons )
Take the old one out and put the new one in. Easy...not rocket science.