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.

• Personal Loan Financing - Need a smaller loan? Personal loans are most often unsecured. That means you do not have to secure them with personal assets in order to do a debt consolidation. This type of financing is typically based upon your credit history and your ability to make your payments.
• Debt Management Counseling - 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.
• Debt Consolidation Programs - Are your bills piling up? Lower your monthly payments and consolidate them with a debt consolidation loan or a related service.

Timely Tips for Tax Season

Take advantage of free tax preparation services. One IRS program that the FDIC is helping to promote is the Volunteer Income Tax Assistance (VITA) program, which provides free tax-preparation help to low- and moderate-income taxpayers at various locations. "Some VITA sites even have representatives from banks or other organizations who can assist in other ways, including opening a bank account or obtaining a credit report," said Cathy Davis, an FDIC Community Affairs Specialist and a VITA tax-preparation volunteer.

Another IRS program is "Free File," which allows taxpayers who earn $54,000 or less (for returns to be filed during 2008) to prepare and file their federal taxes for free through the IRS Web site.

For more help or information, go to the IRS Web site at http://www.irs.gov or consult a tax advisor.

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 11/08/2007

• Comparison Shop for Loans - Tip from the FDIC that reminds you examine both the total dollar or interest costs and the APR (annual percentage rate) when evaluating offers on loans.
• What Type of Credit do You Need? - Consumer credit is financing to purchase goods and/or services for personal, family, or household use. Or, it may be used to consolidate debt you already owe. But, what type of financing do you need: a revolving credit line, an installment loan or a consumer lease?
• Remember to Review Your Credit Report - Many consumers neglect to take a look at their credit report or credit scores until going to apply for or until after being denied for a loan.
• Basic Tips for Managing Money - Credit Solutions offers the following tips and information to give you ideas on how to control your spending, to manage your budget and to save money.

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