保母照顧別人小孩，自己卻照顧不好
劉小姐在高雄擔任某產後護理之家的保母，每個月薪水大約4萬元，在同輩裡面算是很早就買房了，不過沉重的房貸負擔讓她在生活費上捉襟見肘，幾年來陸續借了信貸30萬、二胎房貸50萬，信用卡12萬的額度也已刷爆，每個月剩下的只有負債。
劉小姐其實是有意識到這樣下去狀況不妙，但苦於沒有資金可以解決，問過兩三家銀行都說無法協助，甚至也找過一間代辦公司幫忙送件，最後也遭到婉拒，還被收了幾千元的服務費，她像無頭蒼蠅般四處問，最後問到123貸，我們一聽到她的狀況就知道，這又是一個因為對金融市場不夠了解造成的狀況。
二胎房貸可以借，但借的時機和對象很重要
劉小姐上次向銀行申請二胎，是為了支付信用卡費，但因為銀行估價比較嚴格，所以拿到的額度並不多，而剩下的資金都拿來日常周轉了，還掉了當期的信用卡，卻背了更多的債，123貸重新評估了劉小姐房子的價值，如果123貸的二胎資金幫她把信貸、信用卡循環跟銀行二胎都還掉的話，負債比就可以降下來，這樣劉小姐也可以取得更多的資金。
對我們的說明，劉小姐其實並不完全明白，123貸的林經理非常耐心的一一說明解釋，一定要優先把利率高的信用卡循環和二胎處理掉，因為她的信貸金額不高，能一起還清更好，公司審核下來有100萬的額度，把所有負債都還清後，還剩下一點點資金，劉小姐這才如夢初醒，原來這個就叫做整合負債，原來整合負債是這樣進行的，跑完整個流程，撥款後的三個月後，劉小姐傳了訊息給我們，說她現在真的感覺到負擔比較輕，之後刷卡前也會多注意一點，絕對不再讓自己透支了。
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