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If you're a Cleveland Cavs fan there aren't many good things to say about Game 1 of the Eastern Conference Finals against the Boston Celtics on Sunday. Except for one moment that happened after the game. Marla Ridenour of the Akron Beacon Journal asked James what happened early on in the fourth quarter. This was James' response, which elicited applause in the press room. 401

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

Imagine arriving at the checkout line to use a gift card, only to realize the card is empty. It's the latest way scammers are hitting consumers, and it’s happening frequently.Now, one woman is suing Walmart over it.Although the company is not behind the scam, the woman claims Walmart is not doing enough to prevent these scams from happening. 351

IMPERIAL BEACH, Calif. (KGTV) - The San Diego County Sheriff’s Department is investigating a residential burglary that happened in the overnight to early hours on Wednesday.The break-in happened at a house on Date Avenue.According to residents someone broke into their house and stole several items while they were asleep. Taryn Williamson, who lives in the home, said the thief must have gone into their room because she noticed her purse, her boyfriend’s phone, and a Nintendo Switch gaming system, were missing.  All were on a table in their bedroom.Her purse had 0 in cash as well as credit cards. Williamson says the money was to pay for rent, but they were able to raise it back in a few hours through GoFundMe.“I’m a really light sleeper," Williamson said, "I'm really shocked I didn't wake up, he (or she) must have been really quiet."Williamson said her roommate discovered the front door was open when she left for work around 5 a.m.  They are not sure how the thief got inside, but she says it's possible someone left the door unlocked before going to bed the night before.If you have any information, you’re asked to call the San Diego County Sheriff’s Office. 1223

Hundreds of students at Sage Creek High School in Carlsbad witnessed a graphic and emotional presentation about DUI driving Tuesday. The program is called "Every 15 Minutes" is presented by the CHP and other local first responders. Teens saw fellow students injured or dead after a drunk driving crash and also saw another student arrested for getting behind the wheel intoxicated. The two day program will conclude Wednesday with a mock funeral and a presentation by a CHP officer who lost family members in a DUI crash last year.  565