Some options for debt relief are extremely effective. Many people all over America have already solved their issues with debt by using programs that are designed to considerably lower the total amount due. If you decide to do the same and eliminate credit card debt without bankruptcy.With so much debt, people are constantly on the verge of declaring bankruptcy. What is even worse, most debtors are not even aware that they are in danger of doing so. Depending on your given financial circumstances, a person could be forced to file for bankruptcy should they lose their job. Consider how much money you have in your savings account. Most people do not have enough saved up to cover a financial crisis because so much of their income is going directly into their creditors hands.Having some money saved up is crucial to resolving your debt. You need to be sure that you have enough available in the event of an emergency, which could be financially draining. If you have enough, put some of it as a down payment on your debt so that you can reduce your debt and therefore, your monthly payments.You should strive to have half of your current balance of debt forgiven. Keep an eye out for the creditors that are currently offering zero interest on balance transfers until 2013. This will bring your payments under control as well as limiting the amount of money you pay on interest each month. If your total debt is lower, you also decrease your chances of defaulting on your payments. All of these factors combined will make it easier to eliminate credit card debt without bankruptcy.Debt settlement can help you to repay your debt in two to three years and is an offer you should take advantage of if any creditor offers it to you. This will ultimately progress your debt reduction as well as saving you money on top of it all. Using these measures should help you to reduce your total amount of debt as well as allowing you a little extra money that can be saved up to prevent you from falling into debt in the future.If you are in debt and cannot meet more then the minimum payments getting help from a debt relief company is vital to help you to eliminate credit card debt without bankruptcy. just paying the smallest amount will eat up al your income and the bills will just keep on increasing. Get help and eliminate your debt quickly.