It means that no matter how frustrating things seem, you will stick to your plan. Debt elimination without declaring bankruptcy is no easy task, but it shows your character. What does a person need to be committed to a plan? Well, if you want to be committed to your goal of debt elimination without declaring bankruptcy, you should have trust. 2) Negotiation - A common credit card debt elimination program used by people is to negotiate with their creditors to forma a payment plan which can be easier on them. Often, a person will sit down together with an advisor and his or her creditors to analyze the debts of the person and try to consolidate them into a single debt which would be much easier to pay on the part of the client. The internet also holds many disadvantages. The sheer size of the internet means that searching for credit card debt elimination information will not be easy. There is also the matter of viruses, spyware and other types of problems that one can face on the internet. There is also no way of telling if any credit card debt elimination information contained in the internet is credible. To settle things straight, it is only proper to look into the exact amount of money that comes to you and the amount that you spend for your needs. It is vital that you tally them. When you shop or dine, make sure that you jot down all of your expenses in order to know how much is left to you. Start getting rid of the various unnecessary expenses. People who try to eliminate their debts without a strategy often make sacrifices that have little or no impact at all on their goal. This discourages them and causes them to start incurring more debt. Having a debt elimination strategy will help you make only the sacrifices that matter. A debt elimination strategy will help you make sure that no unnecessary effort is exerted. 3) Personalization - A good debt elimination program should be suited to your needs. Many people out there say that they have the perfect debt elimination program and then demand people to pay them a lot of money for their secret. However, you should not be deceived by this type of offer. There is no generic formula for the best debt elimination program.