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 Consolidation Settlement - Finding yourself in the common situation of being unable to meet your credit card payments month after month? The negotiation of your bills may be a good solution for getting you back on track with your financial obligations. Compare various programs and see if this option is right for you.
• Debt Management Services - 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.
• Personal Loan Consolidation - Looking for a small loan to consolidate your debt? Personal loans are typically unsecured and do not require the use of collateral.

The New Climate for Mortgage Borrowers

Credit may be tougher to get, but good loan programs are still available. Even people having difficulty paying their mortgages have options for saving their homes from foreclosure.

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.

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Last updated on 11/14/2007

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.