Other Finance Related Services - The following directory listings on DebtConsolidationLoan.com are provided to assist you with the management or consolidation of your debt. Also, while on this site, feel free to shop for other financial services such as auto insurance and home equity loans.

• Debt Consolidation Loans - (Official Home Page) The Debt Consolidation Loan Directory provides directory lists for a wide range of financial services companies, including those that consolidate bills, provide credit debt counseling, settlement of debts and insurance programs. A library of consumer finance tips offers articles and solutions for the management of your personal finances.
• Debt Management - Do you feel that your credit card bills are stacking up with nowhere for you to turn? Your problem is not unique. Signing up with debt management firm may be the right solution to your debt problems. Review different firms offering these services to determine if this is the correct option for you.
• 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 people that need to consolidate debt.

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Paying your bills on time is always the most important thing you can do to ensure your good credit. But, if you run into trouble, there are some things you should do immediately:

1. If you find you're having difficulty meeting your monthly financial obligations, you should call your creditors as soon as possible. Whatever you do, don't miss or skip your payments. Instead, call your creditor and explain the reason for your difficulty (e.g., job loss, medical emergency, etc.).
2. Ask your creditor(s) for a revised payment schedule. Creditors want to keep receiving the money you borrowed from them, so it's better to make a "reduced" payment than no payment at all. It will also help you avoid damaging your credit record.
3. Start living by your budget immediately. This is not the time to spend frivolously. Every extra penny you save should be put toward paying off your debts in a timely fashion. You may want to consider a debt consolidation loan. This will allow you to borrow the amount that will cover all of your debts. By doing so, you could have a lower monthly payment and will only pay one creditor instead of several. Of course, once you consolidate your debts, you should stop using all other credit sources such as credit cards or credit lines (or, you'll quickly find yourself back in too much debt).
4. If you still need help juggling your expenses, consult a debt-counseling agency such as the Consumer Credit Counseling Service, a non-profit organization, that can assist you in establishing a budget and debt payment plan. Your local yellow pages will list the office nearest you.

Credit Tips from CitiFinancial:

Copyright © 2007-2009 Citigroup Inc. CitiFinancial is not affiliated with Debtconsolidationloan.com or Infinamic, Inc.

Make proper choices when shopping for debt consolidation loans, debt relief and other personal finance products.
Take the time to read up and inform yourself.

• Watching Interest Rates for Debt Consolidation - Keep an eye on available interest rates and consolidate higher rate credit card balances into a consolidation loan or do a balance transfer to a lower interest card.
• Do You Know the Warning Signs of Too Much Debt? - You should take control of your personal spending as soon as you see any of these warning signs that your bills are getting out of control. Avoiding to do so could lead to a bankruptcy, which is NOT a cure for your financial or credit problems.
• Focus on the long-term cost of the loan... - not just the new monthly payment. You may get lower monthly payments with you consolidate bills, but what are the long term interest costs?
• Don't Have Too Many Credit Cards! - The FDIC advises that there are good reasons to have at least two credit cards, but some people collect a stack of them; including store and gas cards, several of which they rarely use.

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.