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.

• Credit Card Debt Management - Having trouble managing the demands of mounting credit card debts and other bills? You are not alone. Using the services of a debt management company may be the solution to your problems.
• Debt Settlement Help - Too much debt? List of companies providing this alternative to bankruptcy that provides for debt negotiation and arbitration services for those that need to eliminate debt.
• Debt Consolidation Help - Do you simply have too many credit cards and other bills? Review this directory for useful information and compare a list of service providers that may be able to help you.

Protect All Your Deposits with FDIC Insurance

If you or your family have more than $100,000 at one institution, it makes sense to periodically review your coverage and, if necessary, make adjustments

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If necessary, you can make adjustments to your accounts to bring them within the insurance limit. In general, you have two options for fully insuring deposits that exceed the FDIC's insurance limit.

One is to divide the funds among various ownership categories at the same institution, because different categories are separately insured to $100,000 or more, but this is an option you need to think about carefully. For example, if you move some money from a single account into a joint account with someone else or into a revocable trust account, realize that you are giving that other person legal ownership of the money, either now or upon your death.

Your second option is to move funds over the insurance limit to accounts at other insured institutions. This option works well for people who don't want, or don't qualify for, other ownership categories at their existing bank.

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.

debtconsolidationloan.com (Debt Consolidation Loan) is a free web service and directory. All information is deemed reliable, but not guaranteed. debtconsolidationloan.com 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. Last site update: 2012-02-01.