can canola oil be used as vegetable oil 7. Efficiency. The efficiency of the plan mainly refers to the time and economy. This may have a negative effect on the sales of Xpoint products. The important thing to keep in mind when being sued by charge card company or junk debt buyers is that if they don't have proof that would otherwise prove how the debt is yours, they do not have a very case. For junk debt buyers, you're in luck since these agencies would not have the essential documents that would prove you have the debt, being a signed contract between you and the original creditor, because these documents aren't released with the original creditor.