Other Services - The following company listings on the Debt Consolidation Loan Directory are offered to assist you with handling your credit card bills and other monthly payments. Also, in addition shop for other financial services ranging from credit card offers to home and car insurance.

• Personal Loan - Are you comparing unsecured loans with your other options for consolidating debts? In a lot of cases, a personal loan may be the right solution for your financial needs. This type of financing is most often based upon your credit history and your ability to make repayment on your principal rather than being tied to your assets.
• Credit Debt Consolidation - Learn more on how debt consolidation can work for you and compare a detailed company list of lenders and related services offering help to you to consolidate debt.
• Debt Settlement Help - Simply too much debt to get a grip on? Review a list of companies and learn more about this service that uses debt negotiation and arbitration to help people that need assistance with eliminating their debts.

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You know you're spending too much money when:

• You're not sure how much you owe.
• You're making only the minimum payments.
• You borrow from one credit card or credit line to pay another.
• You have to work overtime to keep up with your spending.
• You are consistently late with payments.
• You begin to be denied credit.

Other signs that you may be headed for trouble include:

• You're at the maximum credit limit on your credit cards or other loans.
• You delay visits to the doctor because money is tight.
• You know that losing a job would create instant financial trouble.
• You get occasional calls from collection agencies.

Take control of your spending as soon as you recognize any of these warning signs. Not doing so could lead to bankruptcy, which is NOT a cure for financial trouble. Though millions of consumers declare bankruptcy every year, it definitely should be the option of last resort. Why? Because declaring bankruptcy may make it more difficult for you to obtain credit, not only now, but for up to 10 years (the period during which bankruptcy remains on your credit record). So, long after your period of financial stress has passed, you'll still be dealing with the effects of bankruptcy.

Credit Tips from CitiFinancial:

Copyright © 2007 Citigroup Inc. CitiFinancial is not affiliated with Debtconsolidationloan.com or Infinamic, Inc.

• Know Your Credit Limit and Stay Below it! - The FDIC warns that there are two problems you will encounter if you go over the credit limit on your credit card and you should try to avoid both of them.
• What if I Can't Pay My Bills? - Making timely payments on your debt is always the most important thing you can do to ensure you keep a good credit rating. However, if you fall behind, there are some things you should consider doing immediately.
• Look Out for Credit Card Fraud - Protect your personal and financial information and keep and eye on your credit card statements and monitor your credit reports on a regular basis.
• Don't Forget the Fine Print - When comparing credit cards, be sure to understand your needs and how you intend to use the card. Also, don't sign up for the card unless you read and understand the fine print first.

The Debt Consolidation Loan Directory is a service of Infinamic, Inc. All information is deemed reliable, but not guaranteed. Infinamic, Inc. is not responsible for the content and services, that may be provided to you, by following the links from this web site. Use this service at your own discretion.