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CREDIT, COLLEGE, TAXES AND REAL ESTATE

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10 Values in Vacation Homes
See 10 property values between $200,000-$350,000 that grabbed our attention.
KIPLINGER'S MONEY POLL
The S&P 500, at around 1250, is down 15% so far this year. Where do you see this key stock market index at year end?
1300 or higher
About where it is now
1200 or lower
Not sure
       View Results!
YOUR FINANCIAL TOOLKIT: Finance
Complain and Get Results

What do you do when entry-level customer service representatives cannot resolve your concerns? Here are the steps to effectively escalate a consumer complaint.

1. Call in a supervisor, if necessary, or write to the CEO or the company's customer service manager.

2. State your case. Be specific and succinct, and include your expectations. Provide a time frame -- say, 14 days -- in which you expect a resolution. On day 15, take the next step.

3. Enlist a referee. Some groups exist to broker disputes, although you may have to accept a compromise. Get help from Call for Action or the Better Business Bureau.

4. Bring in the big guns. Complain to the appropriate agency: a local licensing or consumer-affairs bureau or the state attorney general's office.

5. Tell it to the judge. Small-claims court will resolve disputes involving a few thousand dollars or less, and you can argue your own case. The court doesn't enforce judgments, but reputable companies honor them.

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