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. In fact, debt elimination companies today will take the time to sit with you and analyze your finances. Because of this, you will be able to come up with a debt elimination strategy that is tailored to your needs. This means that you will be able to focus all of your efforts to remove your debts. 4) They need your help - If you think that you can dump all of your problems into a debt elimination company, you would be mistaken. The real deal with debt consolidation as one sure way of debt elimination option means rolling all the smaller debts into one big debt. Whichever it is that you deem the best to suit you can be chosen. Let us look into their features. By getting a debt consolidation loan, your cash is saved because you are now to pay only one debt on a monthly basis. 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. By making a solid plan for debt elimination, you should be able to make rational decisions as to how to accomplish your goal. There are financial advisory services that can help you with the discipline and the mindset you need to eliminate your debts. 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. However, the disadvantage of this type of credit card debt elimination program is that it takes a longer time and a lot of discipline to follow it through. 2) Negotiation - A common credit card debt elimination program used by people is to negotiate with their creditors to forma a payment plan which can be easier on them.