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In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

In a rare public appearance since he was fired from office, former Secretary of State Rex Tillerson called President Donald Trump "undisciplined" and claimed that Trump would often ask him to do things unaware that such actions would violate the law."When the President would say, 'Here's what I want to do and here's how I want to do it.' And I'd have to say to him, 'Well Mr. President, I understand what you want to do, but you can't do it that way. It violates the law. It violates treaty,'" Tillerson said Thursday night at a fundraiser in Houston for the MD Anderson Cancer Center, according to video of the event posted by CBS News.He went on to add, "He got really frustrated ... I think he grew tired of me being the guy every day that told him you can't do that and let's talk about what we can do."In response, Trump tweeted, "Rex Tillerson, didn’t have the mental capacity needed. He was dumb as a rock and I couldn’t get rid of him fast enough. He was lazy as hell."Mike Pompeo is doing a great job, I am very proud of him. His predecessor, Rex Tillerson, didn't have the mental capacity needed. He was dumb as a rock and I couldn't get rid of him fast enough. He was lazy as hell. Now it is a whole new ballgame, great spirit at State!— Donald J. Trump (@realDonaldTrump) December 7, 2018 1312

Hours after two Atlanta Police officers were charged in connection with the death of Rayshard Brooks, the department confirmed that an unspecified number of officers are calling off tonight.The city’s Mayor, Keisha Lance Bottoms, told CNN’s Chris Cuomo that some officers are being asked to extend their shift on Wednesday. Bottoms added that other jurisdictions have been notified and were asked to be on standby to provide the city with assistance.Despite reports on social media, Atlanta Police denied that officers are walking off the job.“The department is experiencing a higher than usual number of call outs with the incoming shift,” the department confirmed on Twitter. “We have enough resources to maintain operations & remain able to respond to incidents.”Bottoms acknowledged to Cuomo that officer morale is an issue.Earlier on Wednesday, Garrett Rolfe, who was fired from the Atlanta Police Department following the shooting, was charged with felony murder and 10 other crimes, including four counts of aggravated assault with a deadly weapon and several violations of his oath of office.Officer Devin Brosnan has been charged with aggravated assault and several violations of his oath of office. Brosnan was placed on administrative leave late Saturday.Brooks died on Friday night after Rolfe shot him in the parking lot of a Wendy’s restaurant.The Georgia Bureau of Investigations said that officers responded to a call of a man who fell asleep behind the wheel in a drive thru. The police accused Brooks of failing a field sobriety test, which prompted the officers to attempt to arrest Brooks.Video of the incident showed that Brooks then struggled with officers over a Taser. As Brooks took off withTaser in hand, Rolfe fatally shot Brooks.Brooks was transported to the hospital, and he died during surgery. 1836

In a phone interview with Fox News on Monday, President Donald Trump remembered his brother Robert as a "fantastic guy" and his "best friend."Robert Trump died over the weekend at the age of 71. The president was able to visit his brother in New York before his passing."This was not a great weekend; it's very hard," Trump said. "You knew it was going to happen, but still — when it happens, it's a very tough thing.""He was a great guy, he was a tremendous guy. He was my friend, I guess they say 'best friend,' and that's true," Trump added. "And losing him...not easy."Trump said that throughout his life his relationship with his brother was free of jealousy despite growing up in a competitive environment."A lot of times in families, I hate to say it, but there's jealousy, especially among children and children who are competitive children, because he was very competitive," Trump told Fox News on Monday. "There was not an ounce of jealousy. He'd go around talking about how great this is for the country and it's so incredible. He was my biggest fan."Trump added that his brother was "thrilled" at his work as president."People would tell me all the time, 'I spoke to your brother, and your brother was so thrilled and so thrilled at what was happening and what was happening for the country,'" Trump said. "He was so angry at China because of what happened when the plague came in and they shouldn't have allowed that to happen. They could have stopped it. He was so upset by that."Later, in a gaggle with reporters prior to departing for Wisconsin, Trump said that he may hold a funeral service for his brother at the White House on Friday. 1661

IMPERIAL BEACH, Calif. (KGTV) - An Imperial Beach man said he was sucker punched during a peaceful protest in Imperial Beach on Sunday.Marcus Boyd was one of the people at the rally, which started at Veteran's Park. The attack happened when the group got to the beach, Boyd said."We were shouted at by three or four individuals, telling us to go home," Boyd said. "They decided to start throwing eggs at us. I crossed the street just to get a good image of the perpetrators."That's when Boyd said he was hit from behind. He still has a sore neck and headache. He said emotionally, it has been hard to watch the video. "He really tried to hurt me," Boyd said. Imperial Beach Mayor Serge Dedina tweeted that he's called on the San Diego Sheriff's Department to "investigate the violent assault on peaceful protestors" that occurred at the Imperial Beach Pier Plaza on Sunday afternoon. Mayor Pro Tem Paloma Aguirre added that she does not want residents to feel unsafe "for exercising their First Amendment rights."According to a Sheriff's spokesman, the incident occurred at about 3 p.m. on Sunday. The protester reported that he had been punched by another man after a verbal confrontation. The suspect ran away with two men, but deputies later made contact with the two individuals, SDSO added.SDSO said the suspect was eventually contacted, but could not be identified by the victim or other witnesses. Anyone with information or who has video of the incident is encouraged to call the department at 858-565-5200.RELATED: Protests planned across San Diego County to cap weekend of peaceful demonstrations"We cannot allow the ugly legacy of violent racism and white supremacy to continue in our beach city," Dedina tweeted.Imperial Beach was one of several county cities that hosted demonstrations against racism and police brutality against people of color on Sunday.Other Black Lives Matter protests held in Chula Vista, Santee, and San Diego were reportedly peaceful. 1979