You will avoid risking the occurrence of debt when you follow this step. Pay your dues. It is very simple to say that you will use your credit card. But then how about paying for your dues? Isn't it such a tasking endeavor for you? If you only know how to avoid compounding your balances, you will surely be free from worries such as this. It is very common for businesses to be under some disputes in billing, disagreements on the contracts stipulated, and some visible discrepancies with the accounts. These are among the common causes of the downfall of a business firm. Most of the times, these kinds of discrepancies always end up in the court of laws thereby making the business owners pay for handsome attorney s fees and other related court costs. Yes, credit cards can provide you with the needed cash especially when it is for an emergency but didn t you know that with your every swipe comes another set of debts? The convenience is of course given to you by the credit card you have in your wallet. Why not? You need not bring paper bills and coins when you shop or dine out. Included are debt consolidation, debt management, debt settlement, debt negotiation, debt counseling, and a lot others. The most popular and legal debt elimination technique is by procuring debt consolidation loans. The payment for very overdue loans will obviously require you to pay for a large interest fee. Sometimes, the negotiation makes way for a lower interest rate and service charge. This means that a person will also have a lower debt to pay. However, the disadvantage to this credit card debt elimination program is the fact that it requires an expert to set it up. A professional needs to exert all effort make use of different connections and different skills just to get the creditors to agree to a compromise. The real score in here is that when you've got several sources, you end up confused and torn between the truth and the scam. The very first step to look into the difference of the debt elimination scam and the legitimate one is actually very simple. The bogus line like banks can uphold "no money lent" is a form of a debt elimination scam.