It is said that you must strip away that negative feeling from yourself and instead, talk about the most possible consensus which you deem will work best for both of you. Patience must be integrated into the communication so that a definite and workable solution will be arrived at. The bottom line to it is to maintain good rapport. 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. Do not be taken by the dare of checking out the thing because you are actually putting yourself up the lure. Do an early holiday shopping. When the demand for things soars up, the tendency of the prices is to go up too. 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. If you set aside some of your cash to pay more than the minimum balance on your debt, you will ensure that your debt does not increase anymore because of interest. 3) Save what you can - The third part of this debt elimination strategy involves trying to cut back on your expenses. Even if you stopped using credit cards, there are still certain expenses which waste your money. Do not add more to your existing debt. It is best that you only use your credit card for emergency purposes such as you run out of cash and the likes. If you use your credit card on a daily basis, then do not expect that you will be out of trouble. Self-control is a major key to debt elimination. Do not be taken by the glitters of the special offers in stores. This means that the next debt will be accorded the following amounts: a) The minimum payment for the debt b) The minimum payment for the previous debt c) The extra amount that you can afford As you can see, the budgeted amount for each debt increases as each debt is paid off. This means that you will be able to pay off larger debts much faster; hence, the "snowball" effect.