Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.

• Debt Management Counseling - Having trouble keeping up with your monthly credit payments? Compare debt management companies in this online list that can try amd help you get a grip on your personal financial situation.
• Debt Consolidation Settlement - If you have too many credit cards and other small debts and are unable to make your payments, this form of debt negotiation may be right for you.
• Personal Loan Companies - Need a personal loan for debt consolidation? These types of loans often do not require collateral and are available to homeowners, as well as renters.

A Special Guide for Seniors and Families

Helping Your Money Last... After Your Last Paycheck

Credit Cards: Having a credit card is often a necessity for most senior citizens – from paying for medicine and emergencies to booking a vacation. But for seniors living on a fixed income, there are concerns about carrying a large balance from month to month and running up significant interest charges. In the worst cases, the debt becomes unmanageable and a major source of stress for the account holder and the family.

Another problem for seniors is having too many credit cards. That's because the more cards you have, the more opportunities you have to get into debt. And that possibility could make it tougher for you to get the best deal the next time you apply for a loan, insurance, a mortgage or an apartment. Having a lot of cards also can make it harder to keep track of when your monthly payments are due or to even realize that a thief may have stolen one of your cards.

More information regarding credit cards may be found in the Federal Trade Commission (FTC) publication Choosing and Using Credit Cards at www.ftc.gov/bcp/conline/pubs/credit/choose. You can also call the FTC toll-free at 1-877-382-4357.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 3/23/2006

Make educated decisions when shopping for bank services, consolidation of debt, mortgages and insurance. Read up!

DebtConsolidationLoan.com has a growing list of free informative and educational financial articles for consumers shopping for many types of financial services related to the management of your money, such as bill consolidation, fraud alerts and auto insurance. There is no better way to make decisions regarding your personal finances than to read and understand how they work, fees you will be charged, etc. Please feel free to visit our consumer library to learn more.

• Interest Only Mortgage Loan Financing - Interest only mortgage loans are a unique home loan type, and they are certainly not recommended for everyone. Read this quick article to determine if they are the right fit for you. 
• What if You Can't Pay Your Bills? - Making the payments on your monthly bills on time is always the most important thing you can do to ensure that you retain a good credit rating. But, in case you run into trouble, there are some things you should do immediately. 
• Your Bank as a Financial Supermarket - Today's banks are increasingly becoming financial supermarkets offering investment and insurance products in addition to insured savings accounts. Learn the difference between traditional bank products and newly offered services, as well as what is insured and what is not.
• Home Equity Loan Products: How to Borrow Safely - As values increase in many housing markets, Americans are increasingly tapping their home's equity for an equity loan or an equity line of credit. Learn more and make the right decision for your needs.

DebtConsolidationLoan.com is a service of Infinamic, Inc. All debt consolidation loans and financial services 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.