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 Management Programs - 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 Companies - Need a smaller loan? Personal loan financing is most often unsecured. Meaning... your home or personal property is not used as collateral and the loan decision will typically be based upon your credit history and your ability to make the necessary payments. Also, this is often referred to as a signature loan.
• Bad Credit Debt Consolidation - 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.

Protect Against Bad Deals and Scams that Arrive by Phone, Letter and the Internet

Beware of crooks impersonating legitimate businesses, charities and other organizations

Five

Know the other signs of a scam. In general, any story that grabs your attention and emotions and then forces you to act quickly – before you have time to think rationally – may be part of a con game. Here are some of the classic red flags of financial fraud:

• You're told to send money or provide bank account information up front – before you receive any goods, services or other benefits.
• You're pressured to act fast, even before you've seen details in writing. "Scam victims have been interviewed by researchers and the results show that even very smart people can be tricked by fast talkers who spark emotions and then say, ‘This is a limited time offer. Act fast before it's too late'," Nelson said.
• You sense a reluctance to answer questions or provide written information.
• Someone tells an emotional story of being "in danger" or the victim of fraud or discrimination and then asks for your help, perhaps by placing funds in an overseas bank account.
• You're told you already agreed to donate or pay money, and you don't remember doing so.

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 2/2/2007

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