What Is The Treatment For Moles On The Body?

i have a number of moles on my body, my main concern is one just underneath my collar bone and one on my back as they are 'stalk like' and can easily get caught.
the problem is im refusing to have it off at my local doctors as the videos i've watched for the types of moles I want removed are very painful to some people.I've had many piercings so pain doesnt really bother me but its now brought me to tears as i've had these for at least 15 years and cant wear low cut tops or have my hair long like i used too.
I've read about some creams that can work which I'm really interested in, would it be worth ordering as it cant actually do damage to the mole itself?
Thank you