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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

HOUSTON (AP) — The Trump administration is detaining immigrant children as young as 1 in hotels before deporting them to their home countries. Documents obtained by The Associated Press show a private contractor hired by U.S. Immigration and Customs Enforcement is taking children to three Hampton Inns in Arizona and Texas under restrictive border policies implemented during the coronavirus pandemic. The hotels have been used nearly 200 times, while more than 10,000 beds for children sit empty at government shelters. Federal anti-trafficking laws and a two-decade-old court settlement that governs the treatment of migrant children require that most kids be sent to the shelters for eventual placement with family sponsors. But President Donald Trump’s administration is now immediately expelling people seeking asylum in the U.S., relying on a public health declaration to set aside those rules.Lawyers and advocates say housing unaccompanied migrant children in hotels exposes them to the risk of trauma as they’re detained in places not designed to hold them and cared for by contractors with unclear credentials. They are challenging the use of hotels as detention spaces under the Flores court settlement.Federal immigration authorities say the contractors caring for the kids are “non-law enforcement staff members trained to work with minors.”Hilton, which owns the Hampton Inn brand, said in a statement Tuesday that all three hotels were franchises and it believed rooms were booked directly with those owners. Hilton wouldn’t say how many rooms had been used to detain children or how much the rooms cost. 1628

I have been identified as a contact of someone who has tested positive for #COVID19. I am well and without symptoms but will self-quarantine over the coming days, in line with @WHO protocols, and work from home.— Tedros Adhanom Ghebreyesus (@DrTedros) November 1, 2020 276

IKEA is offering to buy back certain furniture that is no longer wanted or needed to resell in their bargain section. In exchange, customers get an IKEA gift card for up to 50 percent of the original price."By making sustainable living more simple and accessible, Ikea hopes that the initiative will help its customers take a stand against excessive consumption this Black Friday and in the years to come," the Swedish furniture giant said in a release.The buyback initiative will be available in 27 countries in late November, including the United Kingdom, Russia and Canada, but not the US at this time.The New York Times reports there are some IKEA stores around the world with various buyback programs, but this would be the first time the initiative would be scaled across this many countries.“Rather than buy things you don’t need this Black Friday, we want to help customers give their furniture a second life instead of making an impulse buy,” says Ingka Group Deputy Retail Operations Manager Stefan Vanoverbeke in a press release.Products like dressers, bookcases, shelf units, chairs, tables and cupboards must be fully assembled in order to be eligible for the buyback offer. Customers will have to fill out a form and drop it off at an IKEA store. An employee will assess it and offer a price to buy the item back at, depending on the condition of the product. The item is then put in the discount area of the store and sold for the price IKEA bought it back for.The company says the initiative is part of their sustainability push, to address “unsustainable consumption and its impact on climate change.”Coronavirus pandemic lockdowns and stay-at-home orders have been good for home improvements and IKEA. The company announced last week sales have surged 45 percent year-over-year. 1804

IMPERIAL BEACH (KGTV) - A man was arrested Saturday in Imperial Beach after residents say he rushed into a home and wrecked their bathroom, leaving blood everywhere. Resident Miguel Ledesma said their front door was open to let in the breeze, "I heard some noise behind me and I turned around and the door was wide open, so I saw him rush through." The man was mumbling about being chased. Ledesma said the man backed up, tripping over the Christmas tree, knocking it over in the process, and went into the bathroom. Ledesma said that's when his brother shut the door to protect the family."There were screams, the lady who lives in there she was screaming pretty loudly," Neighbor Matthew Rodriguez said."We started hearing all these noises, all the breaking, the mirror, the shower curtain, everything in there is destroyed, there's bloody pretty much," Ledesma said. Officers finally removed the man, handcuffing him. The man was later loaded into an ambulance.He had visible cuts on his neck and arms, and a bandage around his head. Ledesma said he came in without a scratch and left bloody."It was pretty scary because we didn't know what he was going to do before the cops showed up," Rodriguez said."We're all okay, he didn't take anything, he just destroyed the bathroom pretty much," Ledesma said. He said they reached out to the property manager to get the bathroom fixed, but his mother was already cleaning with bleach. 1440