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16 Feb 2021

Debt Consolidation: Which Obligations Can Be Consolidated?

by Camino | posted in: Blog | 0

There may be a time where you might need to pay off some debt. Debt consolidation could make it easier to do so by combining your debt into one simple payment. Even though there are some debts that cannot be consolidated, there are certain types that can. Debt Consolidation: Which Obligations Can Be Consolidated?

1. Credit Card Debt

Credit cards have many benefits. They help you build credit and they also allow you to purchase items you might need, even if you don’t have the money for it at that time. Even though these are great benefits, it can add up if you’re not careful. Whether you racked up your credit card bill due to the holidays or you had overspent on a big item, this is one type of debt that you can consolidate. 

2. Loans

There may be multiple loans that you want to consolidate. However, based on your personal situation, it may be better to consolidate some loans compared to others when it comes to personal, student, or business loans. By consulting with a Member Advisor, they can help you determine which of these loans would be good for you to consolidate.

3. Past Due Utilities

It’s not easy keeping up with each utility bill that comes in. From electricity to gas to water bills, they add up. If you get behind on the utility bills, debt consolidation can help simplify all those payments.

4. Payday Loans

You never know when you might run into an emergency. Whether you need to get your car repaired unexpectedly or get money for an unplanned medical bill, payday loans help you get money for what you need even if you aren’t able to fully pay it. If you had to get a payday loan, this is something that you can combine with other debts to make it easier for you to manage.

Do you need help organizing your debt? Let us know!

It can be challenging dealing with multiple monthly payments. However, we offer ways to consolidate your debt into one monthly payment. Please give us a call at 800-835-3400 to speak with one of our Member Advisors, or visit us online at caminofcu.org for more information. 

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