You may get out of debt consolidation at any time you wish to in case you suddenly get your hands-on inheritance or any other type of money available for you to use. The opposite of this situation can be a sudden unemployment scenario or a medical emergency and you are no longer in a position to be able to make monthly payments. You can always opt to bail yourself out by using a debt consolidation loan. Debt consolidation loans are not the same as payday loans or any other type of debt-relief products.