The scammers will claim that the credit card agencies are operating with their daily procedures in an illegal way so that every time you use your credit card, you are not actually borrowing any money from the company. This is of course very far from the truth. They will also likely say that there is nothing that you have to pay back and that you do not owe anything from them. You should not do this. When you make a plan to accomplish debt elimination without declaring bankruptcy, you already have an idea of what you are going to face. Knowing this, you should trust your plan and stick to it. As said before, debt elimination without declaring bankruptcy is possible. However, you should realize that it is not only possible, it is desirable. People often think of using credit cards as "buying". 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. Some of these are: 1) Self- help - This type of credit card debt elimination program makes use of your own resources to get rid of your debts. This type of credit card debt elimination program often consists of a special schedule of payment which, when followed, will let you pay your debts off in the fastest time. If you make use of this business debt elimination strategy, your net income will be restricted for three years. Legally, you say that you don't have any money left. Because of this, the government will be obliged to see to it that your claim is true. You will also not be able to touch your assets, since you technically do not own anything. 1) Time - Consider how much time it would take for the debt elimination program to work. Many debt elimination programs available today are able to provide observable results only if you look at its long-term effects. Although many people would say that a good debt elimination program considers the future, there is also a need for you to see immediate results.