You can use the technology of the internet to get help wherever and whenever you need it. 2) A plan - Filing for bankruptcy is a last resort. 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. The bad part though is that since you haven't started your way in this journey, you have to face the fact that you are still in a pool of debt and the only way out there is to seek for the legality of debt elimination. It is easy to claim that debt elimination is the sole way to lessen your problem. But then how will you take it? b) How to get rid of your current debts - This would be the most important advice that a debt elimination service can give to you. If they cannot give you a plan, debt elimination services should be able to give you some hints and tips about eliminating your current liabilities. They would be able to suggest methods of payment and would be able to give you advice on how to cut back on your spending. Different Types of Credit Card Debt Elimination Programs When you ask people how they plan to improve their lives, they will often answer you that they would first get rid of their debts. 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. When you shop or dine, make sure that you jot down all of your expenses in order to know how much is left to you. Start getting rid of the various unnecessary expenses. If you are fond of dining out for lunch and dinner, why not try cooking at home? By this you are able to save a lot of cash because fabulous dinners would only cost you too much. If you are serious in getting out of the trap, try to look into and consider practicing the following debt elimination techniques: Divert into a credit card which has a lower rate. It is possible that you will be able to save a lot of cash when you switch from a higher rate card into a much lower rate one.