Debts are undesirable. Despite today's promotion of the culture of credit cards, many people still know the fact that shopping with a credit card is not buying; it is merely borrowing. This is the reason why credit card debt elimination programs are much sought after these days. How can a credit card debt elimination program help you? Who would not go mad at the pool of debt problems? There are several websites, books and journals that may post what they term as debt elimination helps but in truth they are plainly debt elimination scams. So how can you identify the debt elimination scams from the legal options? The real score in here is that when you've got several sources, you end up confused and torn between the truth and the scam. 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. Through debt management, a financial circumstance is devised. A professional trainee consultant will handle things for you so there is no need for you to be anxious. He or she will know what to do. This kind of plan ensures that you will not miss out on any financial obligation such as the utility bills, car finance, mortgage, rental fees, and so on. 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. 3) Find out what is the extra amount you can pay - After you have made the minimum payments for all of your listed debts, try to find out if you can spend an extra amount to start paying off your smallest debt. This means that even though you will be reducing all of your debts, your smallest credit will be eliminated much faster than the others.