Financial First Aid

First Aid (NAPSA)—Well managed, consumercredit can offer convenience and contribute toward financial stability. Mismanaged, it can create a numberof problems. According to experts you may be heading toward financial hot waterif you are: . a It’s a good idea to contact your lender at the first sign of financial difficulty. e having difficulty making even minimum payments on what you owe; making payments late; or finding that more cash is going out than comingin. America’s Community Bankers suggests contacting your lender at the first sign of financial difficulty. There are a number of ways a lender can help put your financial house in order, such as: modified loan terms; limited partial payments; debt consolidation loans; and financial counseling. To learn more, visit the Web site at www.americascommunity bankers.com.