1) Time - Consider how much time it would take for the debt elimination program to work. Many debt elimination programs available today are able to provide observable results only if you look at its long-term effects. Although many people would say that a good debt elimination program considers the future, there is also a need for you to see immediate results. When you come to an expert with your debt problem, you can be sure that the first step that he or she is going to take to fix your debts is to make a plan. By making a solid plan for debt elimination, you should be able to make rational decisions as to how to accomplish your goal. A financial crisis can be a pretty harrowing experience. This means that you need to make a debt elimination strategy that will eliminate your liabilities in the shortest time possible. Also, once you have a plan of action in mind, you must hasten to implement it. 3) Save on cash - Even if you have stopped using credit cards, you should still watch your expenses. However, some people just do not have the time or the expertise to put a credit card debt elimination program like this together. They often consult professionals in order to help them with this. One advantage with this type of credit card debt elimination program is the fact that it costs the least to put together. This means that even though they are able to pay off an older debt, they end up with new ones. This cycle goes on and on. Sometimes, the debt grows larger, because of the increasingly high prices of commodities. People who have great jobs and earn large salaries do not get to see the result of their hard work. You need information in order to predict the effects that a debt elimination plan will have on you. You need information on just how much a debt elimination plan could change your life. This will let you judge whether a debt elimination plan will be the best thing for you. It will also help motivate you by showing you just how much progress you have made in achieving your goal to get rid of your debt.