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Hurricane Delta has made landfall near Creole, Louisiana, as a Category 2 hurricane, but as it's moved inland, it has weakened to a Category 1 storm.WATCH LIVE: According to the National Hurricane Center, the storm made landfall at 6 p.m. CT with maximum sustained winds of 100 mph.A Florida Coastal Monitoring Tower near Lake Arthur, Louisiana, sustained wind of 77 mph and a gust to 96 mph, the NHC said. A NOAA National Weather Service water level gauge at Freshwater Canal Locks, Louisiana, recently reported a storm surge of over 8 feet above ground level. Louisiana has taken the brunt of the impact of the 2020 hurricane season. Hurricanes Marco and Laura have already made landfall in the state, causing inland flooding and significant damage along the coast. Hurricane Sally also did significant damage nearby Gulf Shores, Alabama, when it made landfall in September.The Associated Press reports that Delta marks the sixth time this year that evacuations have been ordered from Louisiana's barrier islands.After making landfall this afternoon, forecasters expect Delta to move north and dump heavy rain on the rest of Louisiana before moving west into Mississippi on Saturday. 1193

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

Houston, Texas police are looking for three men who allegedly robbed a donut shop in the middle of the day, and offered customers donuts in the process, according to WFLD?32 in Houston.Security footage shows the men entering the donut shop around 3 p.m. Oct. 16. 270

Illinois Democratic Sen. Tammy Duckworth gave birth to a baby girl Monday, her office announced, the first US senator to do so while in office."Bryan, Abigail and I couldn't be happier to welcome little Maile Pearl as the newest addition to our family and we're deeply honored that our good friend Senator (Daniel) Akaka was able to bless her name for us -- his help in naming both of our daughters means he will always be with us," Duckworth said in her office's statement.In her statement, Duckworth used the event to advocate that rules should be changed so she can bring her baby to Senate votes.Duckworth had her first child in 2014, when she was serving in the House of Representatives.An aide close to Duckworth told CNN she's doing well and taking 12 weeks to bond with her new daughter and take care of her family. She's staying in Washington, DC, for her maternity leave and is available to vote as needed.When she gave birth to her first daughter, she took her maternity leave at her home in Chicago, but this time she and her and her husband decided that she would give birth in the DC area in case she needs to vote, the aide said.Akaka -- a Democrat from Hawaii who served in Congress for more than three decades -- died Friday at age 93. He was previously responsible for giving Duckworth's first daughter, Abigail, her middle name of O'kalani.Duckworth is a retired Army lieutenant colonel who was a helicopter pilot in the Iraq War. She was the first female double amputee from the war after suffering severe combat wounds when her Black Hawk helicopter was shot down. After retiring from the Army, she was elected to Congress in 2013. 1670

House Democrats elected to keep their leaders in place on Wednesday, marking a win for the party's moderate wing.The party confirmed Wednesday that Rep. Nancy Pelosi, D-California, would continue to serve as Speaker of the House. Rep. Steny Hoyer, D-Maryland, will again serve as the House Majority Leader, Rep. James Clyburn, D-South Carolina, will continue to serve as the House Majority Whip, and Rep. Hakeem Jeffries will keep his role as the chairman of the House Democratic caucus.No other Democrats mounted serious challenges to current party leadership positions.Pelosi's upcoming term will mark her fourth as Speaker of the House. She previously served as speaking when Democrats held the majority in the House from 2007 to 2011, and she was elected as Speaker again when Dems won back control following the 2016 midterms.Though House Democrats will be working with a Democrat president in Joe Biden next term, serious questions remain about the future of the party.Democrats went into the 2020 election hoping to control both chambers of Congress and the White House — and plenty of polling suggested that they would do so. But Democrats lost seats in the House in the 2020 election, and the control of the Senate hinges on two January run-off elections in Georgia — meaning Biden could face significant challenges in getting his legislation passed. 1367