An average of 93% of all Americans own at least one or two credit cards. The demographics of citizens that own four to five will also surprise you. And while credit cards provide you with a false sense of financial freedom, the payment and interest that comes with every purchase will cripple you to the ground. If you are one of those people in financial ruins constantly asking yourself how to erase debt without having to pay thousands of dollars in debt management and litigation then this article is your ticket.

There are many others like you out there. Take a walk on your street and you are guaranteed to talk to someone who wouldn't wish for anything but to get rid of their debt and credit card bills. If you are starting to feel the weight of your credit card debt crashing down on you then it's high time you take action and search for debt reduction techniques that do not involve spending more or waiting years to see results.

It may seem that at this moment there is a small possibility if not zero, when it comes to getting rid of your credit card debt. The key is not to give up in looking for options for debt management and settling your accounts to erase debt. There are many proven techniques available on the web and with applied diligence you can reap the financial rewards that can result to effective credit card debt reduction.

The first thing you should do is account for all your expenditures. It's the same when fitness experts tell their patients to make a food log, you should have a debt and spending log. Once you have kept tabs on your monthly spending habits you can weed out the unnecessary costs and use your savings to help revitalize your credit.