Related Financial Services - The following Debt Consolidation Loan Directory listings of companies are offered to assist you with gaining control of your personal finances and the management of your money. Also, feel free to review the rest of the sub-directories on DebtConsolidationLoan.com to shop for other finance products, such as credit cards and mortgage refinancing.

• Debt Consolidation Service - Learn more on how consolidating your credit card debts can work for you and potential pitfalls that you need to avoid. Also, review a list services that offer to help people lower their bills into fewer payments or even one payment.
• Debt Management Credit Counseling - Do you have too many monthly bills and payments to manage them effectively? Visit this directory of sites in order to review and compare different debt management programs that may be able to help.
• Debt Settlement Service - High credit card balances making your monthly payments impossible to meet? The negotiation of your outstanding bills with your creditors may be a good debt solution for you. Educate yourself on your options and compare available programs.

Make Sure You Are Financially Fit

A checklist for shaping up your personal balance sheet

Two

Make sure you have – and have read – the most recent "disclosures" about your accounts. These descriptions of your account are like a contract with your financial institution. Knowing the features, fees and options as well as limitations – before you open the account and later as you conduct business – can prevent misunderstandings and costly mistakes. "We are continually encouraging consumers to read the disclosures," Kincaid stressed. "Make sure you know exactly what you are getting and paying for and what you are not."

For example, your credit card may automatically include, at no extra charge, extended warranties on purchases and insurance for car rentals. These kinds of features can save you money – but only if you know they exist. Similarly, your card may offer bonus points toward airline travel or products and services, auto club memberships, and other extras – some free of charge, some for a fee. You need to read the disclosures to understand the rules, restrictions and potential costs, which may greatly reduce the value of these offers.

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 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.

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