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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 receive a call from an unfamiliar number informing you that you've missed jury duty and could be sent to jail if you don't pay a fine, be wary. The call could be a hoax.The scam has claimed a number of victims in the Baltimore area.At least one caller identified himself as a Lieutenant Steven Harris with the Baltimore County Sheriff's office. “They claimed that I had failed to show up, obey a summons in a criminal case, and that the judge had issued a bench warrant for my arrest. And they wanted me to come in right away and straighten it out or they would have to come get me,” said Professor Rena Steinzor who teaches at the University of Maryland Carey Law School.The caller gave the address of the Towson courthouse and instructed her to meet him there with money in hand.“He wanted ,868 in fines for my failure to appear and said I would get the money right back,” said Steinzor.When she explained she couldn't get down to her bank in Capitol Hill and back before the courthouse closed, he told her to purchase a MoneyPak from a CVS or office supply store. The form of payment was a red flag that alerted Steinzor to the fraud.“I think it's stupid to target somebody who's familiar with the criminal justice system and knows that you don't go to CVS and put money on a card if you have to pay a fine in court,” Steinzor said.A co-worker then called the Sheriff's Office who told her it was a trick.Steinzor didn't pay but there are many potential victims. The scheme stretches into areas around the state.Harford, Howard, Cecil, and Frederick counties have all reported similar scams recently. In Frederick County the caller gave the name of a police officer who is actively on the force. They convinced a victim to stay on the phone. The scammer didn't have an accent, they provided real addresses, and they threatened the victim with arrest.“I think the threat that they're going to come and get you is very disconcerting. I mean, I will tell you, I made it all the way to my car,” said Steinzor.The Baltimore County Sheriff said the fraudsster was after the code on the MoneyPak. He would've asked for the code and never appeared at the courthouse.They also said the person in question may be from another country. When police went to investigate, the number Steinzor provided was disconnected.Steinzor wanted to share her story because the scam can be very believable. When she initially called the number, the voicemail made it seem like it was the Sheriff's Office. They also knew where she worked.If you get one of these calls and you're not sure, police advise you to hang up and call the agency's official number on their website to verify.You could be fined or face jail time for failing to appear for jury service, however, courts do not call people to notify them about a bench warrant, nor do they instruct them to bring a “bond voucher” with them to the court.For more information on the scam, click here.  2992

IMPERIAL BEACH, Calif. (KGTV) - 40 undocumented immigrants were arrested at two human smuggling houses in South San Diego County Monday, according to Customs and Border Protection officials.Border Patrol agents received information Monday afternoon that immigrants were being housed at the Serenaded apartments on Elder Ave. in Imperial Beach.Upon entry into a unit, agents found 22 Mexican nationals hiding inside, officials said. A second search led to the discovery of 18 more immigrants.Three dozen men between 16 and 49 years old and four women, ages 24 to 46, were taken into custody.One of the men is a previously deported felon with convictions for domestic violence, agents said.“Identifying and dismantling smuggling organizations is our top priority,” said Chief Patrol Agent Rodney S. Scott.  “These organizations cannot be allowed to operate with impunity inside of our communities.” 909

Icelandair Group has announced plans to buy rival budget airline WOW air for about million, the company announced Monday.WOW air was previously a competitor to Icelandair as it boasted flights as low as , making it an attractive option for budget travelers.The two flight carriers will continue to operate under their different brand names.  376

In a meeting that lasted less than 60 seconds, a Georgia board of elections voted down a plan Friday to close seven of a majority-black county's nine polling places ahead of November's midterm elections.Critics had said the plan to consolidate polling places in Randolph County, Georgia, was a brazen attempt to suppress the black vote in Georgia's governor race, which pits former Georgia House minority leader Stacey Abrams, who is black, against Georgia Secretary of State Brian Kemp, who is white.The vote came amid widespread national criticism and days after the county terminated its contract with Mike Malone, the consultant who made the recommendation. Malone had argued that closing the polling stations would save the county money, and that some of the sites suggested for closure did not comply with the Americans with Disabilities Act. 856

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