Having to pay off a lot of credit card debt may seem impossible, but doing so will open up a lot of avenues to making other purchases including new and used cars. While it is certainly tough, there are a number of ways you can chip away at that mountain of debt before heading to New Jersey Auto Auction.

Among the most effective options available is the so-called "snowball" method, according to financial services company Bankrate. This means that you tackle the debt from smallest to largest in the hopes that paying off each one will inspire you to keep going. The only exception is if you're paying off money owed to the IRS, but usually you should pay off smallest debt first, regardless of interest rates.

You should also resist the urge to move debt around, the company says. Although it may give you a temporary reprieve from paying up, the fix is just that – temporary.

"The danger of moving credit card balances is that it's easy to start thinking you've actually done something to address the problem," industry insider Dave Ramsey told Bankrate.

You will also want to grow an emergency fund, experts say. Surprisingly, around one-third of Americans do not have non-retirement savings, so it can be difficult for them to pay debt or handle other emergencies. Some financial analysts recommend keeping at least one-month's salary tucked away just in case.

Although having debt can have a negative impact on your credit score, at New Jersey Auto Auction, that is not a problem. Regardless of whether you have good, bad or even no credit, you can be approved for auto financing, and there are few better ways to build your credit history than paying car loans on time.