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 Management Program - Too many credit bills for you to handle with your budget? Compare different programs and find the one that is the right match for your individual situation.
• Personal Loan Financing - 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.
• Debt Consolidation Services - Are your bills piling up? Lower your monthly payments and consolidate them with a debt consolidation loan or a related service.

Complain Effectively and Get Results

What if you have a problem with a financial institution but you're not sure about the best way to resolve the matter? Here are some tips for dealing with the situation and minimizing the frustrations.

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Get information in writing. "Document, document, document," Kincaid recommended. With phone calls, ask for the name of the person you are speaking to and keep good notes of your conversation, including the date of your call and promised solutions. But even if that person agrees on a fix for your problem, follow up with a letter that includes who you spoke to, when, and what you spoke about – or ask the company representative to write back confirming any agreements. "That ensures that your discussion and the outcome are documented, just in case there are any disagreements or misunderstandings later on," said Kincaid.

Likewise, she said, when writing to a financial institution or government agency, "include copies of any documents that support your case – never send originals – and again, keep a copy of any correspondence."

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 2/1/2007

Make the correct decisions when shopping for banking, debt consolidation and related financial services. Educate yourself!

The Debt Consolidation Loan Directory has a growing library of free informative / educational financial resources for consumers shopping for many types of services related to the management of your money, such as consolidating credit card debts, fraud alerts and car insurance. There is no better way to make decisions regarding the management of your personal finances than to read and understand how they work. Please feel free to visit our consumer resource library for more information.

• Cell Phone Banking - New cell phones are constantly evolving and becoming more sophisticated. This includes adding the capability of handling online banking through your phone. This FDIC article discusses some of the possibilities and precautions you should take when using your phone for banking purposes.
• How to Protect Yourself with FDIC Insurance - Read up on what qualifications are necessary and how to determine if your deposits are covered by FDIC insurance.
• Direct Deposit Safer than Checks? - The US Treasury Department reports that a majority of surveyed consumers mistakenly believe that paper checks are safer than direct deposit.
• Consider the Fees! - Learn what to look for and examine the details of each banking account offer for possible fees, such as: inactivity, minimum balance and ATM withdrawal fees.

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.