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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

Human remains were found in several bags along the beach in Seattle. Police responded to a call last week of a suspicious bag on a beach on the west side of Seattle. Another bag was still in the water, according to a statement from Seattle police.The remains are with the King County Medical Examiner’s Office as they work to identify them and a possible cause of death.A person who lives near the beach told a local station they were shocked by the terrible news, “but some of these things have happened before around here. There have been deaths down here a couple times." 582

In California’s Coachella Valley, people are concerned about catching the novel coronavirus.“They’re scared; they’re freaking out,” said Jorge Garcia, who contracted the virus. “I was scared at first because you hear a lot of stories that people don’t make it, they get really sick.” A lot of people in the desert community, located about two hours east of Los Angeles, are getting sick.Local county health officials report more than 36,000 confirmed cases of coronavirus in the area and more than 680 deaths.Now, health experts say there aren't enough doctors and nurses to handle the spike in cases.“At one point we had over 90 patients in the hospital with COVID,” said Alan Williamson, MD, Chief Medical Officer at Eisenhower Health in Rancho Mirage, Ca. “I think we had about three beds available at our peak.”Williamson says his staff is overworked and pushed to its limits. And that bringing in traveling nurses to help lighten the load is no longer an option.“Because of national nature of this pandemic, all of those resources were basically tapped out,” he said.Now, help is on the way from the United States military.“The Department of Defense is committed to this fight,” said U.S. Army Major General Mike Stone, who is helping lead a joint military team to help civilian hospitals fight COVID-19.“We’re tailoring the force,” he said. “We’re giving exactly what’s required where it’s needed on the frontlines to save people’s lives.”To help slow the spread of this virus and provide relief for staff, Stone says the Department of Defense has sent nearly 600 health care workers from different branches of the military to support almost two dozen hospitals in California and Texas.“There is a lot of need and if we can save a life, that’s why we’re there,” he said.The cost of this mission has not been totaled, but Stone says the price is well worth it, as the military shows its commitment to the country.“When the chips are down, America always pulls together,” he said. “We’re here for however long it takes.” 2032

In an interview with ABC News and the Louisville Courier-Journal, one of the Louisville police officers involved in the raid that led to the death of Breonna Taylor claims his team knocked on Taylor's door six times and said the fatal shooting could have been avoided if officers did not allow time for Taylor and her boyfriend to come to the door.Sgt. Jonathan Mattingly spoke with ABC News and the Courier-Journal for two hours on Tuesday — the same day a grand juror spoke publicly about the case for the first time. Mattingly said police officers believed that Taylor was the only person in the apartment when they served the no-knock warrant on her apartment."We expected that Breonna was going to be there by herself. That's why we gave her so much time. And in my opinion, that was a mistake," Mattingly told ABC News.He said if he could have done anything differently that evening, officers would have breached Taylor's apartment without giving time for her or her boyfriend, Kenneth Walker, to react."What would I have done differently, the answer to that is simple now that I've been thinking about it. Number one, we would have either served the no-knock warrant or we would have done the normal thing we do, which is five to 10 seconds. To not give people time to formulate a plan, not give people time to get their senses so they have an idea of what they're doing. Because if that had happened, Breonna Taylor would be alive, 100 percent."Mattingly claims officers involved in the raid knocked on Taylor's door six different times."So we get up, I remember banging on the door, it's open hand, hard smack, bam, bam, bam, bam. First time, didn't announce. Just hoping she would come to the door," Mattingly said.He also claims that at one point, they "repeatedly" yelled "police, search warrant!"Walker and 11 other people interviewed by police said they did not hear officers identify themselves. Only one other person in the apartment complex corroborated police claims that they identified themselves.Walker says he assumed the police officers were intruders and grabbed his gun to protect himself and Taylor. When officers breached Taylor's door, Walker fired at them. Mattingly was the only officer injured during the shooting."As soon as I felt the smack on my leg and the heat, I — boom, boom — returned four return shots, four shots," he said. "I reached down and felt my leg. I could feel a handful of blood and the heat — I thought my femoral artery. I said I can't stand up because I'm going to pump the blood out if I keep pushing forward."Mattingly also took issue with Walker's claim that he fired a "warning shot," saying that his stance indicated that he was ready to fire at officers.Mattingly was able to limp out of the apartment and was later taken to the hospital. He didn't learn of Taylor's death until he got out of surgery the next day."My first question was, 'Did she have a gun? Was she a shooter?' Because I didn't know what took place after I moved out," Mattingly said."I feel for her. I hurt for her mother and for her sisters," he added. "It's not just a passing 'Oh, this is part of the job, we did it and move on.' It's not like that. I mean Breonna Taylor is now attached to me for the rest of my life. And that's not again, 'Woe is me.' That's me feeling for them. That's me having a heart and a soul, going as a parent, 'How do you move on?' I don't know. I don't want to experience it."Taylor's case has become a touchstone case across the country amid a summer of unrest. For months, protests took place nightly in Louisville as demonstrators called for justice.Mattingly told ABC News that despite calls for police reform to address questions of systemic racism, Taylor's shooting had nothing to do with her race."It's not a race thing like people want to try to make it out to be. It's not. This is a point where we were doing our job, we gave too much time when we go in, I get shot, we returned fire," Mattingly said. "This is not us going, hunting somebody down. This is not kneeling on a neck. It's nothing like that."Mattingly and his fellow officers will not face homicide charges in connection with Taylor's death. Kentucky Attorney General Daniel Cameron, who led the investigation, claims officers were justified in their actions because Walker fired at them.Mattingly's interview came the same day that a grand juror in Taylor's case spoke publicly and claimed that he and others on the grand jury were not given the opportunity to consider homicide charges against the police officers.Only one police officer, Brett Hankison, faces charges in connection with the case. He's charged with endangering Taylor's neighbors by firing his gun at the building.In the days leading up to the grand jury decision, Mattingly sent an email to hundreds of his coworkers criticizing the city's mayor and other officials for their handling of the case."It's sad how the good guys are demonized, and criminals are canonized," Mattingly said in the email. "Put that aside for a while keep your focus and do your jobs that you are trained and capable of doing." 5115

ICU capacity by region:? Bay Area: 13.7%? Greater Sacramento Region: 16.2%? Northern California: 28.7%? San Joaquin Valley: 0.0%? Southern California: 0.0%For more information, https://t.co/trkU09Qrni pic.twitter.com/2v4n9hiIY7— CA Public Health (@CAPublicHealth) December 21, 2020 295