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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

If you think you may have been exposed to COVID-19, contact your health care provider immediately. If you have health-related questions or concerns, contact your healthcare provider. For general questions about COVID-19 or information about community resources, call 2-1-1.SAN DIEGO (KGTV) -- A lot of fear stemming from the Coronavirus comes from the fact that it is so new and that it is unraveling in real-time. Many people remain confused about the exact symptoms, as many healthcare professionals tell them to look for cold or flu-like symptoms. But what exactly does that mean? PODCAST: Supervisor Nathan Fletcher talks about coronavirus and how newly approved stimulus bill will impact San Diego County10News sat down with Dr. Abisola Olulade from Sharp Rees Stealy Downtown, who broke it down. According to the Centers for Disease Control and Prevention [CDC], these are the common symptoms for the cold, flu, and Coronavirus.The Cold:SneezingCoughStuffy NoseSore ThroatThe Flu:FeverAchesChillsFatigueSneezingCoughHeadacheThe Coronavirus:FeverCoughShortness of BreathThere are many overlaps. But Dr. Olulade said the most significant difference is the respiratory aspect of shortness of breath. When a patient experiences that, that is a cause for serious Coronavirus concern. "I would say that the main thing that is different about the Coronavirus is that, more so than the others, it causes shortness of breath. It’s rare for the others to cause shortness of breath," Dr. Olulade said. When should you go to the doctor? Dr. Olulade said, do not panic and run out the door immediately. First, make sure you have a fever, cough, and especially shortness of breath. Then, call your doctor to let them know of your specific symptoms so that the hospital or doctor's office can prepare for your potential arrival. For example, you may need a special type of room to be set up. You may not.Dr. Olulade said if you are in general good health, with no pre-existing conditions, and have no recent travel history, you may be asked to stay home and self-quarantine for the time being. Testing for you may not be prioritized. However, if you are presenting Coronavirus symptoms, have pre-existing conditions that make your immune system compromised, or have recent travel history, you may be asked to come in immediately to get tested. It all depends on that phonecall. Listen to their advice and proceed. 2413

In a vote Thursday night, the Milwaukee Public School board voted to end their contract with the Milwaukee Police Department. The 8,000 yearly contract allowed for the schools to have up to six officers available to respond to incidents on school grounds.Protesters were asking that the money go toward helping students in other ways. Students and parents expressed concerns about school leadership's willingness to call the police when something happened."We had senior pranks. I don’t think the police should have been called for our senior prank. Bringing eggs and toilet tissue to school. There shouldn’t be police outside of school giving us tickets for doing our senior prank,” said Madison Walker who attended Rufus King High School.Milwaukee has become the latest school district to end formal relationships with local police departments or stop school resource officer programs.In early June, the Minneapolis Public School Board voted unanimously to end their contract with Minneapolis police to have officers on campuses. Portland, Oregon followed soon after. Just last week, Denver, Seattle and two districts in the Oakland area voted to end their formal relationships with local police. Time Magazine reported the presence of officers on school campuses has increased in the last two decades, partially because of the increase in school shootings since the 1999 tragedy at Columbine High School in Littleton, Colorado. Prior to Thursday's vote in Wisconsin, the Milwaukee Police Department issued a statement."We agree with the many voices from our community who believe that the funding should be reinvested into our public school system to support social services. Regardless of the vote, MPD will continue to support MPS and MPS students," they wrote.This story was originally reported by Julia Marshall on TMJ4.com. 1844

HOUSTON (AP) — Mourners in George Floyd’s hometown of Houston will be able to view his casket as the series of memorials in his honor reach their final stop.A six-hour public viewing will be held from 12 to 6 p.m. CT Monday at Fountain of Praise on the city’s southwest side.Visitors must wear a mask and gloves to comply with coronavirus-related guidelines.Floyd’s funeral and burial will be Tuesday. That service is set to start at 11 a.m. CT at the same Houston church. Due to social distancing guidelines, it will be limited to 500 people, which will include family and close friends.Floyd died May 25 after a Minneapolis police officer pressed his knee into his neck for several minutes even after he stopped responding.Floyd’s death has inspired international protests and drawn new attention to the treatment of African Americans by police. 855

I’m happy to report that Jill and I have tested negative for COVID. Thank you to everyone for your messages of concern. I hope this serves as a reminder: wear a mask, keep social distance, and wash your hands.— Joe Biden (@JoeBiden) October 2, 2020 256

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