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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

Hurricane Willa has made landfall near Isla Del Bosque, Sinaloa, on the western coast of Mexico, approximately 50 miles south of Mazatlán.The storm will quickly weaken over the next 24 hours as it makes its way across the Sierra Madre range and becomes a rainmaker for northern Mexico and Texas on Wednesday.When Willa made landfall Tuesday evening, it had top winds of 120 MPH. The Category 3 storm, while still a major hurricane, has weakened since peaking as a Category 5 hurricane on Monday. Willa has been a danger for forecasters as well. An aircraft with the Air Force Reserve's Hurricane Hunters was forced to turn around Monday over concerns for its onboard equipment after a lightning bolt from one of Willa's outer rain bands blasted it, according to the National Hurricane Center.In a tweet Monday, Mexican President Enrique Pe?a Nieto said he has asked the National System of Civil Protection to take all steps necessary to protect those in the hurricane's path as well as those affected by Tropical Storm Vicente, a weaker system tracking south of Willa that's also primed to make landfall Tuesday. Vicente likely will be a tropical depression by the time it comes ashore, the hurricane center said.Airlines have started moving out of Willa's path. Southwest Airlines has canceled all flights at the international airport in Puerto Vallarta, a resort city in Jalisco state. American Airlines has canceled its flights in Mazatlán, about 275 miles to the north.Willa's landfall comes three years to the day after the strongest hurricane to hit the Pacific coast, Patricia, a Category 5 storm, made landfall in Jalisco.The back-to-back systems of Willa and Vicente have helped make the 2018 hurricane season in the northeast Pacific one for the record books.The season is now the most active hurricane season on record using a measurement called accumulated cyclone energy, which combines the number of storms and their intensity through their lifetimes to give an overall measurement of tropical activity in a given region. 2048

If you've ever wanted to eat Shaq's favorite pizza, Papa John's is now giving you the chance to do so.Papa John's and Shaquille O'Neal unveiled the Shaq-a-Roni pizza on Monday, which is an extra-large pepperoni pizza that will be cut into Papa John’s largest slice size to-date.“We’re excited to combine all the best ingredients for coming together in support of our neighbors - a Shaq-sized pizza, topped with extra ingredients, with a donation from every purchase going back into our communities," said Rob Lynch, President, and CEO of Papa John’s in a press release.O'Neal also announced that for every pizza sold, the company would donate to The Papa John’s Foundation for Building Community.“It was important to me for the Shaq-a-Roni to be bigger than just pizza. By giving my new pie a try, one dollar will be donated to The Papa John’s Foundation for Building Community to support COVID-19 relief, the fight against racial injustice, Boys & Girls Clubs of America, UNCF (United Negro College Fund) and general community involvement,” said Shaquille O’Neal, Papa John’s Board Member and franchise owner in a press release.The company said they would donations for every Shaq-a-Roni sold will end August 23. 1228

If you were considering cutting the cord in 2020, then this news may help convince you. Cable TV prices are increasing in the new year, with Comcast and DirecTV planning to raise their rates. 199

IMPERIAL BEACH, Calif. (KGTV) — A South Bay restaurant that has weathered coronavirus restrictions to stay open so far, says it’s now dealing with customers walking out on their bills.Dawn Morgan, of IB Forum Sports Bar & Grill, said the restaurant recently started requiring customers dining in at their temporary patio to place a credit card on hold after a recent string of customers skipping out on their tab.An issue made all the more disheartening after what they’ve gone through to keep their doors open.RELATED: Little Italy parklet, piazza get restaurant capacity up to 85 percent“We had three occur last week. It has been a relatively small percentage based on the amount of customers we serve daily. But for us we're a small business, family-owned and have a strong issue with people stealing, in general,” Morgan wrote in an email.Morgan said IB Forum was forced to layoff a large portion of staff when the pandemic first hit in March, giving out all of their perishable items to staff with the intention of being closed. But then take-out was cleared as an option by county health officials, allowing them to keep some staff.But she added that even on a modified menu, some days felt like the last for the restaurant.“Our push to remain open during some of the toughest days was the handful of employees who continued to come to work and a group of regulars who would call in orders, pick up high dollar gift cards or leave extremely generous tips to help support us,” says Morgan. “We couldn’t have done it without these great people.”RELATED: COVID-19 restrictions crushing coin-operated game industryWhen restaurants were cleared for modified indoor dining in May, the restaurant scrambled to get staff back. Many former employees chose not to return for various reasons.“Some of which included the fear of contracting the virus, the additional 0 a week for unemployment, we couldn’t blame them for not wanting to return,” she said. “We were very lucky to find a new group of employees that have meshed very well with our pre-COVID-19 staff.”With the state again modifying orders to outdoor operations only in July, what appeared to be another blow for IB Forum ended up playing to one of its strengths.“We have been very fortunate we are capable of providing several different outdoor seating arrangements,” says Morgan. “Several years ago, we added an outdoor patio on the parking lot side of the building and had just completed a new front patio just prior to COVID-19.”RELATED: What happens next? San Diego County eligible to fall off of California watch listMorgan said the increase in “dine and dashing” is recent, but since early July they’ve lost 0 in sales from eight tables. Not only a loss in sales but a loss in tips to staff working to make ends meet during the pandemic.“We have worked hard to be in the position we are in, our employees work incredibly hard and it’s disappointing for them to have to call us and report a walkout. Not only are they losing a tip but they also feel responsible for someone else’s poor judgment,” Morgan said.She says the majority of customers haven’t minded the new policy and customers can still pay in cash at the end of their meal. Servers also have been given discretion for patio tables not located in the temporary parking lot seating.“Our biggest takeaways from this whole experience is to continue to be flexible and thankful to be open and thriving," she said. "Throughout all this madness we’ve had such a dedicated staff. It amazes us how well they’ve adapted to constantly changing schedules, changing health orders, wearing face masks, they have been very diligent in reminding customers to also wear their masks and the additional physical footsteps involved in providing outdoor dining in the parking lot." 3802

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