They will also likely say that there is nothing that you have to pay back and that you do not owe anything from them. They will also stress out that you will just have to follow their advice in eliminating your debt because the banks will not wish that such matter be disclosed to the entire public. The promoters of the debt elimination scams will make matters of debt elimination strategies seem to be useless. b) Efficient - Even though the plan is easy, it should try to achieve the goal of eliminating your debts as fast as possible. A plan should make full use of what resources you have available in order to achieve a goal. 2) Negotiate - Debt elimination services should help you negotiate with your creditors in order to reach an agreement concerning your debts. The question now is is there any other better way of settling these problems aside from taking the case to the court of laws? Analysts have long uncovered the fact of debt elimination arbitration. Debt elimination arbitration means that the concerned individual acts out on something such as a debt consolidation or negotiation in order to settle things instead of making it grow bigger and bigger. This is because it does not take a lot of thinking to say that you are out of money. That being said, you need to think out your actions if you wish to accomplish debt elimination without declaring bankruptcy. When you come to an expert with your debt problem, you can be sure that the first step that he or she is going to take to fix your debts is to make a plan. Whatever you do, do not go for a last minute shopping spree just to say goodbye to your credit card. If you want a debt elimination strategy to work, you need to implement it now. 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". A credit card debt elimination program can help you focus your efforts and make sure that you reach your goal of total debt elimination as quickly and as easily as possible. There are different types of credit card debt elimination programs. Some of these are: 1) Self- help - This type of credit card debt elimination program makes use of your own resources to get rid of your debts.