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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

IMPERIAL BEACH, Calif. (KGTV) — Imperial Beach is closing off traffic in front of the IB Pier in order to help businesses and restaurants utilize more space for social distancing.The city says Seacoast Drive, from Date Avenue to Elder Ave., will be closed to motorists from Saturday to Monday so that not only residents can social distance, but nearby retail stores and restaurants can get creative with spacing."With many businesses able to reopen to customers, we will see some 'out of the box' thinking from our businesses to maximize their area to increase spacial distancing," the city wrote on Facebook.RELATED:Pacific Beach's El Prez shut down for violating health ordersWhat to know: Changes at beaches, restaurants this Memorial Day weekendWith many retail stores and restaurants reopened this Memorial Day weekend, local cities expect more residents to head outdoors.While restaurants have been allowed to reopen under county guidelines, some establishments may see the county force them to close if they do not meet protocols. Friday, the county closed a Pacific Beach restaurant and bar for violating health orders.In-store retail has also been allowed to reopen with physical distancing protocols as well.Beaches will also be a focus. Currently, only walking and running are allowed on beaches — no lying down or sitting.Countywide, a mandate on wearing facial coverings in public and stay-at-home order is still in effect. 1444

If you happen to be at a Arizona Cardinals football game, you might want to take The Gridiron Challenge.The Gridiron Burger is a 7-pound burger that is made with five beef patties, five hot dogs, five bratwurst, eight chicken tenders, 20 slices of American cheese, eight slices of bacon, lettuce, pickles and French fries.The burger costs . However, if you can eat everything in one hour, you do not have to pay for it and your photo will be placed on a special wall. READ MORE 493

Hours after telling TMZ he wanted to walk his daughter down the aisle, Thomas Markle said he will have heart surgery Wednesday morning and cannot attend Prince Harry and Meghan Markle's wedding, the US-based celebrity news site reported.According to TMZ, Thomas Markle said surgeons will clear blockage in his heart, repair damage and put in a stent.Earlier in the day, Markle told TMZ he wanted to walk his daughter down the aisle as she marries Prince Harry at Saturday's royal wedding."I hate the idea of missing one of the greatest moments in history and walking my daughter down the aisle," he said, according to the first TMZ report.Markle has been involved in controversy since it was revealed he allegedly staged a series of photos captured by an American paparazzo.According to the TMZ report, Markle thinks that staging the photos was "stupid" but not a serious transgression.The first report said Markle was in the hospital after reportedly being treated for a heart attack a week ago.CNN has reached out to Thomas Markle for comment over phone and over email but has yet to receive an answer. When asked about the TMZ report, Kensington Palace declined to comment.Meghan Markle's half-sister, Samantha Markle, recently said she was the "culprit" who urged their father to stage the photos in an ill-fated bid to improve his image. She said her father had "suffered at the hands of the media" and had decided "enough is enough."Thomas Markle is a former lighting director who worked on popular TV shows "Married with Children" and "General Hospital," according to the Internet Movie Database. He met Meghan's mother, Doria Ragland, at a Hollywood studio in the late '70s and the pair split when their daughter was still young.CNN also contacted General Hospital in Rosarito, Mexico, where Markle is thought to have stayed previously, but officials would not say whether he is there.  1907

If you're looking for the perfect gift for the ranch dressing lover in your life, Hidden Valley may have the perfect gifts for you.As part of the company's holiday outlet, they are offering a mini ranch keg. The mini keg is 9.7 inches high and 6.3 inches in diameter and holds up to five liters of ranch. It includes a year supply of Hidden Valley ranch and costs . You have to pre-order it with shipping on Dec. 1.If the keg doesn't fit your style, they also offer a Hidden Valley ranch fountain with a holiday skirt for 0, an ugly Christmas sweater for and a pair of ranch-themed socks for .You can check out Hidden Valley's entire holiday outlet here. 680