This means that it aims to help you start from paying off your small debts slowly, and working your way up to the big debts with increasing speed. How is this done? 1) List all of your debts in order from lowest to highest - This will help you see your goal clearly and allow you to plan. Listing all of your debts will allow you to evaluate them in an orderly manner and this will enable you to plan your debt reduction and elimination strategy clearly. If you wish to make your own debt elimination program, there are a lot of information sources out there for you to use. However, if you think that it will just be too big a job, there are a lot of debt elimination programs and services ready to help you out. If you choose a company that offers a debt elimination program, you need to have a set of standards. The main reason for this is the fact that most people do not really think that debt elimination without bankruptcy is possible. However, to the uninformed, you need to know that there are many ways to achieve debt elimination without declaring bankruptcy. You only need these: 1) Help - If you are unsure of how to accomplish debt elimination without declaring bankruptcy, you might want to get some help. With the debt elimination calculator, you and your advisor are able to find out the most reachable monthly savings that you can incur. Amazing, is it not? This becomes attainable through the carefully planned out and intelligent combination of several bills which are compounded into one. This in turn results to the cutting down of the severely high interest rates which creates tax-deductible loans. 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. 3) Have a plan - All people want to eliminate their debts. However, one thing that prevents them from doing so is a lack of plan. When people truly want to accomplish a goal like total credit card debt elimination, a plan will go a long way in helping them do it. A plan will help people gain a better understanding regarding the goal.