There are always these companies that tend to assure you that they will legally terminate your debt accounts. These promises are better said than done of course. Most of the ads posted to websites will appear to fight for the elimination of your debts for a fee of course but the truth to the matter is that they will charge the fee to your credit card account and they will likewise contest the legitimacy of that debt also. 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. If you try to accomplish the task of credit card debt elimination alone, you might end up being buried in the complexities and intricacies of the task. What you need to do is go to different people for help. There are a lot of people whom you can approach for help in credit card debt elimination. There are financial advisory services that can help you with the discipline and the mindset you need to eliminate your debts. It is very common for businesses to be under some disputes in billing, disagreements on the contracts stipulated, and some visible discrepancies with the accounts. These are among the common causes of the downfall of a business firm. Most of the times, these kinds of discrepancies always end up in the court of laws thereby making the business owners pay for handsome attorney s fees and other related court costs. 2) Negotiate - Debt elimination services should help you negotiate with your creditors in order to reach an agreement concerning your debts. A company offering good debt elimination services should be able to speak with your creditors and convince them to allow you to pay off your debts in a manner that's not too hard on you. By following this debt elimination tip, you will accomplish your goal without paying too much for it. 2) Remember that interest increases over time - People often forget about the interest. They set goals for debt elimination which only accounts for the principal. This debt elimination tip tells you two things: a) Pay more than just the minimum - If you intend to actually eliminate your debt then you have to make sure that you take the interest into consideration when you pay.