This means that good debt elimination services should be able to help you come up with a whole new payment plan involving lower installments and lower interest and fees. With this, you will be able to eliminate your debts quite easily. 3) Advice - Good debt elimination services will give you the advice you need ingoing about debt elimination. However, a good debt elimination strategy always begins with these three steps: 1) Stop borrowing - You need to put a limit on your debt if you ever want to eliminate it. 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. 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. You need information in order to predict the effects that a debt elimination plan will have on you. You need information on just how much a debt elimination plan could change your life. This will let you judge whether a debt elimination plan will be the best thing for you. It will also help motivate you by showing you just how much progress you have made in achieving your goal to get rid of your debt. 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. If you are facing such situation, worry not because there are literally millions of people who are on the same boat with you. 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.