It will be best to get someone who is a professional in this field and then to get help from him or her with regards to a smooth sailing debt elimination arbitration. When these are settled out of court, you are then relieved of the court costs. Taking things to the court. Now this must only come as the most last resort. These promises are better said than done of course. Most of the ads posted to websites will appear to fight for the elimination of your debts for a fee of course but the truth to the matter is that they will charge the fee to your credit card account and they will likewise contest the legitimacy of that debt also. 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. The internet today is full of advertisements and websites which boast of having the ability to rid you of your debt legally without paying any money to your creditors. They offer various documents that try to make use of loopholes in the Federal Reserve System to eliminate your debt. These sites often quote different politicians and make use of different laws to try and convince you. People who need credit card debt elimination information often make use of the internet for various reasons. One of the reasons is the speed. While it can take some time to find the information you need from a book, a simple search on the internet can yield results in a matter of minutes or even seconds! 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.