By making use of these contacts, the expert will be able to present them with the debt elimination plan that will help you clear your finances. Contacts will also be able to provide you with the information you need to come up with a good debt elimination plan. Contacts will be able to serve as couriers and open up the table for negotiations on a debt elimination plan. Debt Elimination Scams: A Serious Problem for People People who are faced with problems on debts are always on the lookout for debt firms, counselors, programs, books, journals, websites, and services. Who would not go mad at the pool of debt problems? There are several websites, books and journals that may post what they term as debt elimination helps but in truth they are plainly debt elimination scams. This type of credit card debt elimination program often consists of a special schedule of payment which, when followed, will let you pay your debts off in the fastest time. A person is actually capable of making this type of credit card debt elimination program on his or her own. However, some people just do not have the time or the expertise to put a credit card debt elimination program like this together. Here's a typical scenario. When people who are in debt get paid, they often spend the cash they earned to pay off their debts. This leaves them with a limited amount of money. So what do they do to meet their present needs? They use credit cards, loans and debt instruments. This means that even though they are able to pay off an older debt, they end up with new ones. Often, people who do not see immediate results will give up. You should not do this. When you make a plan to accomplish debt elimination without declaring bankruptcy, you already have an idea of what you are going to face. Knowing this, you should trust your plan and stick to it. As said before, debt elimination without declaring bankruptcy is possible. It should be based on a careful analysis of your situation and be suited specifically for you. A good debt elimination program should take into consideration the different factors of your financial situation. Although "generic" debt elimination programs can be a bit helpful for you, these will not help you accomplish your goal in the best manner possible.