No matter how disparate claims that any person might be involved, there is a great opportunity that can unite all their mortgages and debts into one sum, achieving in this way in some cases, ease of payment. The reunification of debts as the term suggests it is a financial option where the pay is via a single account, in agreement with the lenders and / or entities that have actual credit.

The person involved has to pay attention before giving effect to this settlement, because otherwise the amount of interest that might cause problems logically rather than alleviate their economic situation would be to open a large gap in it. In Spain, this warning was well reflected in an article in the newspaper El Mundo (February 17, 2006) which included many lapidary sentence: "The increased popularity of these services has meant that the Bank of Spain recommends to users prior to this operation are set in all the details carefully and not just in the interest rate you will pay." 

Recall that the reunification of debts it is a mortgage loan. Taking advantage of the low points of the Euribor rate, some statistics show that the reunification of debts in Spain has been assumed by entities without any legal or professional links have offered "magic bullets" that promise to offer a prompt and effective solution to reducing debts. With the bill for the regulation of financial intermediaries, even in the process, hold the courts to perform the steps required parliamentary approval so that it becomes permanently in statute.

It is estimated that in Spain there are about a representative number of clients, situated between 16 and 17 million customers are willing to assume the debts of reunification this target is made up mainly by families with an unstable economic situation, where the education of children is an essential part within the family expenses, followed by rent, food services and health. In other way, the reunification of debts is a very good field of action within the current state of the economy, yet despite the flattering news of lower rates.

By other side, the promising solution for the reunification of debt at Europe level, is on the horizon, showing a shadow of warning about the growing number of advisers "pirate" or "undocumented" offering alternatives reunification without greater solvency. An article published nearly two years ago in the economista.es warned that the Users Association of Banks and Insurance Funds (ADICAE) had told Europa Press that the families who have serious problems paying your mortgage should go to consumer associations or other experts to advise them that well, "and that a reunification of the debt can take a gamble their house." 

This situation, if only in Spanish, takes a more global hue when the situation of the reunification of debt may change with the possible action by the European Union is planning to introduce a standard throughout the 27 countries that form, by which those who cannot pay their mortgages, would lose their home in the latest 12 months. This situation compared to the reunification of debts, given the low rate of Euribor takes much more time, and this conflict with the protection of the interests that are attributed to consumers.