Playing for a lesser interest rate in debts by means of debt consolidation can also appear to be risky so it is only proper to handle the issue with an utmost care. It is always wise for you to weigh things and consider all of the possible and available options that come your way. More so, some debt consolidation firms may charge really skyrocketing fees. 2) Pay more than the minimum balance on your debt - Credit companies often require people to pay just a percentage of their debts monthly. If you are thinking that this was intended for your convenience, you would be very wrong. Credit companies get their income from interest. The longer you are indebted to a company, the bigger the interest is going to be. With debt elimination, you will be able to stop this monstrous growth before it overwhelms you. You do not want to spend the rest of your life working to pay off a convenience. 2) Debt limits your abilities - Whenever you are in debt, you find that you aren't really at the top of your game. People work to earn cash. Some people will give you advice on how to survive while trying to pay off the credit card companies. Some will give you the knowledge and expertise you need to understand the complexities of credit card debt elimination. When you get help in credit card debt elimination, you will accomplish your goal faster and easier. These debt elimination scammers usually tempt you to force your credit card agency to let you be discharged of your debts since you are led to believe that you are enjoying your own money and you have nothing to pay back for. When you do such thing, there is only one sure output for you that is, to end up in the court of law! You will just wake up one day that there are a lot of people who are calling you, writing you, or worst, suing you because you are unable to pay your dues. Can you bear this? Will you be able to deal with this matter? When you have several debts, you seem to be working endlessly but then your wage is just enough to pay for the interest rates of your debts.