Yes, some individuals choose to use payday loans or personal loans for debt consolidation.  However, it's essential to be cautious, especially if you're already facing pressure from debt collectors or have received a court order. While these loans can provide immediate funds into your bank account, payday loans, in particular, often come with high-interest rates and can lead to a cycle of debt if not managed responsibly. Additionally, if you have other outstanding financial obligations like child support, it's crucial to prioritize those payments as well.