3) Debt elimination companies - Many companies today offer credit card debt elimination information. They do this in order to inform people of the fact that debt elimination can be accomplished. Other Debt elimination companies offer this type of information in order to attract clients. By approaching debt elimination companies with your need for credit card debt elimination information, you will have access to the most reliable information available. When you realize that credit cards aren't used to buy but to borrow, then this step should be easier for you. You need to throw out your credit cards, ignore any credit offers from companies, and just quit adding to your debt. Whatever you do, do not go for a last minute shopping spree just to say goodbye to your credit card. Instead of having a greater loan amount, there only now exists a bigger repayment scheme and the money will now go to the credit counselor because he will already take charge of the distribution of such to the concerned debtors. Another option is the filing of bankruptcy. There will be no further questions when bankruptcy is the case. But then the real scenario is this while you are paying with the absence of the paper money at your hands, you are likewise incurring debts which you will need to pay. The worst part is that when things go out of hand and your spending gets beyond control, you may one face a big trouble regarding the dues that you will have to pay. When you've found valuable items which you think will be a good gift idea for someone, grab the chance especially if they are up for sale. In due time, you will see the same items with the price almost tripled. Sacrifice for once in the use of your credit cards. It must be a rule posed to yourself that credit cards must only be for emergencies. The payment is thus to be made for one loan. Debt management is a very effective legal debt elimination procedure. 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.