Gas prices continue to fall after the summer surge. That's the good news. More good news is that many people have learned how to conserve energy, something they should have started years ago. As a society, we have at least started thinking about issues such as public transportation, alternative energy sources, and hybrid vehicles.

The bad news is that many Americans remain dependent on their vehicles as their only means of transportation, and had no choice but to continue to fill their tanks when the prices were higher. Their higher credit card balances are still reflecting the latest summer at the pump. Putting an even greater burden on people who can barely afford to pay the monthly minimum.

Think about the local lawn care company, taxi cab, or courier service. For small business like these, this extra burden either drove many of them out of business, or the bills are now due, and they need help.

When the credit card balances become out of control, the consumer begins search for their best debt relief. Instead of a consolidation program or refinancing their house (again), consumers are now turning to debt elimination. A true elimination program will allow people to legally walk away from 100% of that debt, without bankruptcy, consolidation, or refinancing.

The process that is used to discharge debt is based off of U.S. Supreme Courts decisions, Title 15 United State Code (USC), the Fair Debt Collections Practices Act, the Fair Credit Billing Act, the Uniform Commercial Code (UCC), and numerous Banking and Lending laws.

Given the fact that bankruptcy may no longer be an option, consumers and small business owners are now finding this type of debt relief more suitable to their needs. They are also finding their credit scores are higher after completing this process.

Jim Vrana of The True Debt Advisor (http://www.TrueDebtAdvisor.com) states, “Buying gas for their car or business equipment certainly doesn't seem like irresponsible spending. For most people it is a mandatory burden.” He adds, “This program is giving people a fresh start on their financial lives. A ‘do-over' you might call it. Without the credit-sting or shame of bankruptcy.”