At the very least, a plan will help you react automatically if you encounter different obstacles on the road to debt elimination. 3) Commitment - Although no one can truly blame a person for declaring bankruptcy, such action is usually taken as a sign of defeat. As said before, it does not really take much effort to give up. You need to set aside a part of your money regularly to pay off your debts. Though this type of debt elimination may take long, it will be the easiest on your lifestyle. 2) Get help - Credit card debt elimination may not be easy for you to do alone. Thankfully enough, there are a lot of institutions that can help you with this. With this, you will be able to eliminate your debts quite easily. 3) Advice - Good debt elimination services will give you the advice you need ingoing about debt elimination. This includes advice on: a) How to avoid more debts- Good debt elimination services will be able to give you advice on how to keep debts at bay. Since you know that you won't be enjoying the compensation for your work, you won't be able to see the need to work hard. This would cause your work to deteriorate and could even lead to you losing your job. Debt elimination can help you get back on track. Debt elimination can restore your work motivation by letting you know that al your hard work is not in vain. But you can avoid this if you are only wise enough in finding effective methods of debt elimination options. Among the other options that you can claim aside from getting a fresh loan are credit counseling, bankruptcy, and debt negotiation. The real deal with debt consolidation as one sure way of debt elimination option means rolling all the smaller debts into one big debt. A good debt elimination strategy should be suited to your needs. A good debt elimination strategy should always be based on your current situation. This means that you need to make your own debt elimination strategy. However, a good debt elimination strategy always begins with these three steps: 1) Stop borrowing - You need to put a limit on your debt if you ever want to eliminate it.