You need to just put down those credit cards and walk away. Do not kid yourself by saying, "but I can do that anytime I want to". The fact is, the attitude of "shop-now-worry-later" brought about by credit cards can be addicting. If you do not put those away now, you might never be able to. They work to have the little conveniences that make a life worth living. This empowers them. They are motivated to work because they know that there will always be a reward at the end of the fight. However, if you are in debt, you will only be working to pay off your liabilities. This means that the rewards of your work won't go to you, but to the financial institution that you borrowed from. However, some people just do not have the time or the expertise to put a credit card debt elimination program like this together. They often consult professionals in order to help them with this. One advantage with this type of credit card debt elimination program is the fact that it costs the least to put together. It will be best to get someone who is a professional in this field and then to get help from him or her with regards to a smooth sailing debt elimination arbitration. When these are settled out of court, you are then relieved of the court costs. Taking things to the court. Now this must only come as the most last resort. In fact, debt elimination companies can contact your creditor and come up with a debt elimination plan that will benefit you all. Through a debt elimination company, you will be able to negotiate with your creditors for a smaller interest rate and lower fees. 3) They will study your case - A good debt elimination company does not offer you a "generic" debt elimination strategy. Sources of Credit Card Debt Elimination Information If you are looking for information about credit card debt elimination, then you should know that many sources are available out there for you. Here are some of them: 1) Books - Every human experience has a book written about it. This means that you will be able to find a lot of books containing credit card debt elimination information.