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Go to this site for information about how to avoid voice mail hell with more than 1,500 major companies. http://gethuman.com/

How to create safe but memorable passwords:  Create one nonsense word which combines capital and lower case letters and numbers.  Let’s choose z00md0G, where the “o’s” are zeros.  Now look at the domain for which you’re creating a password: ebay.com, for example.  Decide that you’re going to take the first two letters of that and every passworded domain and add them to the beginning of your nonsense word.  So the password for ebay will be ebz00md0G.  The password for paypal will be paz00md0G.  Unfortunately this doesn’t solve the problem of remembering your user name, but you can more safely write those down if you don’t have to write down the password.  Now go sign up for free, safe, online passwork storage at Keepass.info.