Debt Happens—We’re Here to Help You Through It | My Member Story

For many people, the weight of credit card debt is a daily reality—multiple payments, high interest rates and the feeling that there’s no way out. But for the employees at Mountain America Credit Union, helping members find a path forward isn’t just a job—it’s a calling.

Adam Spencer, Nayeli Lazareno Perez and Soraya Sumi are three of our team members who love what they do. For Adam, every interaction is personal. “Every single time I help a member in their finances, it’s something I’m proud of,” he says. “It’s the reason I keep showing up to work every day.” He sees himself as more than a loan officer—he’s a financial guide who wants members to feel genuinely cared for.

Nayeli sees members’ everyday struggles firsthand. She finds deep satisfaction in the small, meaningful moments—when one conversation can make a real difference in someone’s life.

Soraya shares a similar experience. She recalls a member who came in for a simple transaction, but she noticed he was carrying a significant amount of credit card debt. He was sure there was nothing anyone could do to help. Soraya encouraged him to let her try—and the team found a solution. “Every time he comes, he says thank you,” she shares. “It really makes me feel good that I helped someone.”

Their message is simple—debt consolidation can mean lower interest rates, one single manageable monthly payment and a faster road to becoming debt free. Most importantly, there’s no reason to feel embarrassed. As Soraya puts it—you have nothing to lose by asking.

Anyone managing multiple loans and credit cards knows how difficult it can be with different rates and terms—and how expensive it can become. We’re here to see how we can help lighten your load.