{"id":30088,"date":"2025-09-25T12:27:00","date_gmt":"2025-09-25T19:27:00","guid":{"rendered":"https:\/\/seiu775benefitsgroup.org\/understanding-debt\/"},"modified":"2026-02-04T11:50:44","modified_gmt":"2026-02-04T19:50:44","slug":"understanding-debt","status":"publish","type":"post","link":"https:\/\/seiu775benefitsgroup.org\/es\/understanding-debt\/","title":{"rendered":"C&oacute;mo comprender y gestionar las deudas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30088\" class=\"elementor elementor-30088 elementor-29024\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-661192b nopadding section_title e-flex e-con-boxed e-con e-parent\" data-id=\"661192b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ac73130 e-con-full blog-bar e-flex e-con e-child\" data-id=\"ac73130\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e486fb7 e-con-full single-column nopadding title e-flex e-con e-child\" data-id=\"e486fb7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36588a7 elementor-widget elementor-widget-spacer\" data-id=\"36588a7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e1e95f elementor-widget__width-inherit elementor-widget elementor-widget-post-info\" data-id=\"1e1e95f\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-b9ff0b6 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Money Management<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e25431 elementor-widget elementor-widget-heading\" data-id=\"8e25431\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">C&oacute;mo comprender y gestionar las deudas<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c98db14 single-column nopadding section_date e-flex e-con-boxed e-con e-parent\" data-id=\"c98db14\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb5b97d elementor-widget elementor-widget-spacer\" data-id=\"cb5b97d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1916957 elementor-widget__width-inherit elementor-widget elementor-widget-post-info\" data-id=\"1916957\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-dbbd518 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>septiembre 25, 2025<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07c7a79 elementor-widget elementor-widget-spacer\" data-id=\"07c7a79\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5939542 single-column nopadding section_body e-flex e-con-boxed e-con e-parent\" data-id=\"5939542\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5c2754 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"c5c2754\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"EOP SCXW196535937 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\"><span class=\"TextRun SCXW185402138 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW185402138 BCX0\">La deuda afecta a muchos cuidadores, desde facturas m&eacute;dicas y saldos de tarjetas de cr&eacute;dito hasta pr&eacute;stamos personales. <\/span><\/span><span class=\"TextRun SCXW185402138 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW185402138 BCX0\">Puede ser dif&iacute;cil de gestionar al mismo tiempo que se atienden las exigencias del servicio de cuidados.<\/span><span class=\"NormalTextRun SCXW185402138 BCX0\"> Comprender c&oacute;mo funciona la deuda y c&oacute;mo gestionarla puede ayudarlo a construir un futuro financiero m&aacute;s seguro.<\/span><\/span><span class=\"EOP SCXW185402138 BCX0\" data-ccp-props=\"{}\">&nbsp;<\/span> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d4c63b elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7d4c63b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"TextRun MacChromeBold SCXW229808763 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW229808763 BCX0\" data-ccp-charstyle=\"normaltextrun\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;ac0262f4-8a9e-5820-b908-2d943c5f7113|1&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Calibri&quot;,469777842,&quot;&quot;,469777843,&quot;Calibri&quot;,469777844,&quot;Calibri&quot;,201341986,&quot;1&quot;,469769226,&quot;Calibri&quot;,268442635,&quot;24&quot;,469775450,&quot;normaltextrun&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;normaltextrun&quot;,335572020,&quot;1&quot;,469778324,&quot;Default Paragraph Font&quot;]}\"><span class=\"TextRun SCXW264257326 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW264257326 BCX0\" data-ccp-charstyle=\"normaltextrun\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;ac0262f4-8a9e-5820-b908-2d943c5f7113|1&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Calibri&quot;,469777842,&quot;&quot;,469777843,&quot;Calibri&quot;,469777844,&quot;Calibri&quot;,201341986,&quot;1&quot;,469769226,&quot;Calibri&quot;,268442635,&quot;24&quot;,469775450,&quot;normaltextrun&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;normaltextrun&quot;,335572020,&quot;1&quot;,469778324,&quot;Default Paragraph Font&quot;]}\">Tipos de deuda<\/span><\/span><\/span><\/span><\/h3>\n<p><span data-contrast=\"none\">La deuda puede presentarse de muchas formas. Algunas deudas se consideran &ldquo;garantizadas&rdquo;, lo que significa que est&aacute;n asociadas a bienes como su casa o su auto. Otras son &ldquo;no garantizadas&rdquo;, como las tarjetas de cr&eacute;dito o las facturas m&eacute;dicas, que no requieren un bien f&iacute;sico para garantizar un pr&eacute;stamo. Tambi&eacute;n se conocen como garant&iacute;as.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b206795 elementor-widget elementor-widget-jet-table\" data-id=\"b206795\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-42ae86d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a3f7738 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Significado<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-cbf4fe5 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Ejemplos<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-946ed65 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Riesgo\/impacto<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-a1189b9\"><td class=\"jet-table__cell elementor-repeater-item-4587bc5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Deuda garantizada<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-f369882 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Est&aacute; respaldada por algo valioso (garant&iacute;a) que el prestamista puede quedarse si usted no paga.<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4e81e1f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Hipoteca (casa), pr&eacute;stamo para autom&oacute;vil (auto), tarjeta de cr&eacute;dito garantizada<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b44566d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">M&aacute;s f&aacute;cil de obtener, a menudo con intereses m&aacute;s bajos, pero podr&iacute;a perder su casa, su auto o su dep&oacute;sito si se atrasa en los pagos. <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-36f4f80\"><td class=\"jet-table__cell elementor-repeater-item-07ab330 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Deuda no garantizada<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d114953 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">No est&aacute; vinculada a una garant&iacute;a. El prestamista conf&iacute;a en su promesa de pagar.<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-fc1b049 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tarjetas de cr&eacute;dito, facturas m&eacute;dicas, pr&eacute;stamos personales, pr&eacute;stamos estudiantiles<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b3c0b90 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Normalmente tienen un inter&eacute;s m&aacute;s alto y su aprobaci&oacute;n se basa en el puntaje crediticio. El riesgo es que su puntaje crediticio se vea afectado o que se env&iacute;e a cobranzas.<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-049a7b9 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"049a7b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"none\">Para obtener m&aacute;s informaci&oacute;n sobre c&oacute;mo funciona el cr&eacute;dito y c&oacute;mo se relaciona con la deuda, lea <a href=\"http:\/\/link\" data-wplink-url-error=\"true\">Puntajes crediticios simplificados.<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a470e22 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"a470e22\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Comprender su deuda<\/h3><p><span data-contrast=\"none\">Comprender lo que debe puede ayudar en la toma de decisiones informadas. Estos son varios m&eacute;todos que le ayudar&aacute;n a pagar sus deudas y que puede considerar:<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/p><ul><li style=\"list-style-type: none;\"><ul><li><b><span data-contrast=\"none\">Consolidaci&oacute;n de la deuda:<\/span><\/b><span data-contrast=\"none\"> Combine varias deudas en un solo pr&eacute;stamo con una tasa de inter&eacute;s m&aacute;s baja.<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/li><li><b><span data-contrast=\"none\">M&eacute;todo bola de nieve:<\/span><\/b><span data-contrast=\"none\"> Pague primero la deuda m&aacute;s peque&ntilde;a y luego pase a la siguiente.<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/li><li><b><span data-contrast=\"none\">M&eacute;todo avalancha:<\/span><\/b><span data-contrast=\"none\"> Pague primero la deuda con la tasa de inter&eacute;s m&aacute;s alta.<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/li><li><b><span data-contrast=\"none\">Negociaci&oacute;n:<\/span><\/b><span data-contrast=\"none\"> Comun&iacute;quese con los acreedores o las agencias de cobranza para solicitar un plan de pago o una reducci&oacute;n del monto de liquidaci&oacute;n.<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18fdd37 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"18fdd37\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Priorizar sus deudas<\/h3><p><span data-contrast=\"none\">C&eacute;ntrese primero en las deudas que afectan su vivienda e ingresos, como el alquiler, los pr&eacute;stamos para autom&oacute;viles y la manutenci&oacute;n de los hijos, antes de pagar las deudas de menor prioridad, como las deudas m&eacute;dicas o de tarjetas de cr&eacute;dito. Comience por hacer una lista de todas sus deudas, incluyendo los montos, las tasas de inter&eacute;s y las fechas l&iacute;mite. Esto le ayudar&aacute; a establecer prioridades y a crear un plan de pago que se adapte a su situaci&oacute;n.<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/p><p><span data-contrast=\"none\">Utilice esta gu&iacute;a para determinar qu&eacute; deudas pagar primero:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3467311 elementor-widget elementor-widget-jet-table\" data-id=\"3467311\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-42ae86d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Nivel de prioridad<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a3f7738 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tipo de deuda<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-cbf4fe5 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Por qu&eacute; es importante<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-a1189b9\"><td class=\"jet-table__cell elementor-repeater-item-4587bc5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Alta prioridad<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-f369882 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Alquiler\/hipoteca, pr&eacute;stamos para autom&oacute;viles, manutenci&oacute;n de los hijos <\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4e81e1f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Esto afecta sus necesidades b&aacute;sicas: vivienda, transporte e ingresos<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-36f4f80\"><td class=\"jet-table__cell elementor-repeater-item-07ab330 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Prioridad media<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d114953 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Facturas de servicios p&uacute;blicos<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-fc1b049 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Puede provocar la interrupci&oacute;n del servicio si no se hace el pago<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-3745cbc\"><td class=\"jet-table__cell elementor-repeater-item-1a33f70 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Prioridad m&aacute;s baja<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-20d15a5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Facturas m&eacute;dicas, tarjetas de cr&eacute;dito, pr&eacute;stamos personales<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-29fda33 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Impacto menos inmediato, a menudo negociable<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5323def elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5323def\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"TextRun MacChromeBold SCXW61772928 BCX0\" lang=\"es-AR\" xml:lang=\"es-AR\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW61772928 BCX0\" data-ccp-charstyle=\"normaltextrun\" data-ccp-charstyle-defn=\"{&quot;ObjectId&quot;:&quot;ac0262f4-8a9e-5820-b908-2d943c5f7113|1&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[201342446,&quot;1&quot;,201342447,&quot;5&quot;,201342448,&quot;1&quot;,201342449,&quot;1&quot;,469777841,&quot;Calibri&quot;,469777842,&quot;&quot;,469777843,&quot;Calibri&quot;,469777844,&quot;Calibri&quot;,201341986,&quot;1&quot;,469769226,&quot;Calibri&quot;,268442635,&quot;24&quot;,469775450,&quot;normaltextrun&quot;,201340122,&quot;1&quot;,134233614,&quot;true&quot;,469778129,&quot;normaltextrun&quot;,335572020,&quot;1&quot;,469778324,&quot;Default Paragraph Font&quot;]}\">Consejos para g<\/span><span class=\"NormalTextRun SCXW61772928 BCX0\" data-ccp-charstyle=\"normaltextrun\">estionar las d<\/span><span class=\"NormalTextRun SCXW61772928 BCX0\" data-ccp-charstyle=\"normaltextrun\">eudas de prioridad baja<\/span><\/span><span class=\"EOP SCXW61772928 BCX0\" data-ccp-props=\"{}\">&nbsp;<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c995855 elementor-widget elementor-widget-jet-table\" data-id=\"c995855\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper jet-table-responsive-mobile\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-42ae86d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Tipo de deuda<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a3f7738 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Consejo para gestionarla<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-a1189b9\"><td class=\"jet-table__cell elementor-repeater-item-4587bc5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Deuda de tarjetas de cr&eacute;dito<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-f369882 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Llame a la empresa de su tarjeta de cr&eacute;dito para negociar tasas de inter&eacute;s m&aacute;s bajas, sobre todo si tiene pagos atrasados o no puede pagar el m&iacute;nimo. <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-36f4f80\"><td class=\"jet-table__cell elementor-repeater-item-07ab330 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Deudas m&eacute;dicas<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d114953 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Solicite una factura detallada para disputar los cargos excesivos; las deudas m&eacute;dicas suelen tardar un a&ntilde;o en aparecer en su informe crediticio. Algunas instalaciones m&eacute;dicas sin fines de lucro condonan los gastos m&eacute;dicos a los grupos de ingresos que cumplen los requisitos. <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-3745cbc\"><td class=\"jet-table__cell elementor-repeater-item-1a33f70 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Facturas de servicios p&uacute;blicos<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-20d15a5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Comun&iacute;quese con el proveedor para establecer un plan de pago o solicitar la condonaci&oacute;n de saldos antiguos. <\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b74d742\"><td class=\"jet-table__cell elementor-repeater-item-2b97966 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Pr&eacute;stamos estudiantiles<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8ef9d10 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Explore los planes de pago basados en los ingresos o las opciones de aplazamiento si se enfrenta a dificultades econ&oacute;micas. <\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30cbe75 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"30cbe75\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"none\">Si este proceso le resulta abrumador, existen servicios que pueden ayudarlo. Estos son algunos recursos de confianza que lo ayudar&aacute;n a comenzar su investigaci&oacute;n:<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"44\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"http:\/\/creditkarma.com\"><b><span data-contrast=\"none\">Credit Karma: <\/span><\/b><\/a><span data-contrast=\"none\">Una herramienta gratuita para monitorear todas sus deudas en un solo lugar. Tambi&eacute;n ofrece sugerencias sobre c&oacute;mo los esfuerzos de pago pueden afectar su puntaje.<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"44\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"http:\/\/nationaldebtrelief.com\"><b><span data-contrast=\"none\">National Debt Relief<\/span><\/b><\/a><span data-contrast=\"none\">: Una empresa de renombre que ayuda a negociar con los acreedores y a reducir la deuda total. Esta puede ser una buena opci&oacute;n para los cuidadores ocupados que necesitan ayuda adicional o tienen tiempo limitado.<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8cfa04 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"d8cfa04\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">La gesti&oacute;n de la deuda requiere claridad, estrategia y la confianza necesaria para defender sus intereses. Conocer sus cuentas, explorar planes de pago y conocer sus derechos pueden ayudarlo a tomar medidas.<\/span><span data-ccp-props=\"{}\">&nbsp;<\/span><\/p><h5><span data-contrast=\"auto\">*Esto busca proporcionar informaci&oacute;n general. No somos un banco ni expertos financieros y no podemos asesorarlo sobre lo que debe hacer con su dinero. Si necesita ayuda para tomar decisiones financieras, consulte a un asesor financiero autorizado.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">&nbsp;<\/span><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a34828 single-column nopadding section_sharelinks e-flex e-con-boxed e-con e-parent\" data-id=\"2a34828\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6ef6541 e-con-full e-flex e-con e-child\" data-id=\"6ef6541\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-524824a elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"524824a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Compartir:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9425fe4 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-grid-3 elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-widget__width-auto elementor-widget elementor-widget-share-buttons\" data-id=\"9425fe4\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Tome el control de sus deudas con orientaci&oacute;n clara y amigable: aprenda la diferencia entre deudas garantizadas y no garantizadas, c&oacute;mo priorizar sus pagos y m&aacute;s.<\/p>\n","protected":false},"author":2,"featured_media":29106,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[79],"tags":[],"post_folder":[],"class_list":["post-30088","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>C&oacute;mo comprender y gestionar las deudas - SEIU 775 Benefits Group<\/title>\n<meta name=\"description\" content=\"H\u00e1gase cargo de sus deudas con herramientas pr\u00e1cticas para cuidadores: comprenda sus obligaciones, priorice sus pagos m\u00e1s importantes, aplique m\u00e9todos de pago de deudas y negocie con los acreedores; 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