Debt Elimination is a process that involves disputing debts found on your credit report and the validity of them. While sometimes effective there are no guarantees, and this practice is highly disreputable. It is a method of dishonestly evading consumer debts in an attempt to repay none of the consumer's financial obligations.

Ways to eliminate debt on your own is to stop using credit cards, spend less money, refinance if needed to get a lower interest rate or to consolidate your debt, negotiate with the credit card companies to lower the interest rates and don’t just pay the minimum balance.