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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

HUDSON, Ohio — A Hudson woman who hosted a large house party at a rental home in October was convicted in Municipal Court Tuesday for violating state health orders to prevent the spread of coronavirus.The woman was convicted of violations prohibited and criminal damaging, both second-degree misdemeanors, according to court records.On Oct. 10, the woman used a website to rent a home in the 6800 block of Windsor Road in Hudson, according to court records. More than 150 people attended the party, in excess of the number of people allowed by the mass gatherings order that limits groups to no more than 10 people.Attendees caused more than ,500 in damage to the property, according to court records.The Akron Beacon Journal reported that on the night of the party, police were called to the scene and multiple vehicles were towed throughout the night. The party eventually broke up around 3 a.m.The woman was ordered to pay more than ,000 in fines and to pay back restitution for the damage caused, court records say.This story was originally published by Drew Scofield on WEWS in Cleveland. 1106

IMPERIAL BEACH (KGTV) - Medical examiners identified the body found floating off-shore in Imperial Beach as 29-year-old Zabiullah Rahmani.Rahmani leaves behind a wife of nearly ten years and two 7-year-old twin daughters. Ramzia Rahmani tells 10News, "I can say it was horrible and it still is." Less than a week since she lost her husband and the feelings are still raw, "The fire is burning in my chest whenever I see my girls ask about their father. It'ss too hard to face their questions, it's hard to answer their questions about their dad."She tells 10News, her husband left Saturday night to hangout with friends down in Imperial Beach. She says he was planning to be home for midnight but the hours after turned into Monday, "The doorbell rang and I saw there was two police officers and I felt bad. I thought maybe something happened to my husband." Thinking something bad but never imagining it would end up being her worst nightmare, "It's hard for me to believe hes not with me anymore." Thankfully she has support from family members like Zabi's cousin, "I'll try my best to be like a father to Zabi's kids and treat them the same way I treat my kids." A GoFundMe page has been set up for the family as they try to put together the pieces from here, "When we left Afghanistan he was like, we are going to have a bright future over there." Now, rebuilding that future without their husband and father. 1422

Hurricane Harvey was a big headline in 2017. A year later, many continue to recover from the storm. They’re also remembering the government’s response, as they head to the polls to cast their ballots in the upcoming midterm election.“Yes, for the last three and a half years, walking into this house has been very depressing, I would say,” says Houston homeowner Greg Roberts.It hasn’t been easy for the Roberts, who live in Houston’s Meyerland neighborhood."We got flooded out in 2015, 2016, and 2017 with Harvey, as well," Roberts says.The Roberts haven’t lived in this home since it was first flooded in 2015. Harvey brought in more flood damage.Now, the couple is raising their home's foundation higher than the levels Harvey's waters reached. "If you look up and down the streets of this neighborhood and many others, you will find many others that have been lifted or completely demolished," Roberts says.Many residents in the area are preparing for the next storm. But the past isn't lost in this election cycle.  "The topic of flooding and recovery from flooding has not left the public conscious for at least the last three years, probably before, especially the past three and a half years,” Roberts says.Roberts says it’s a major talking point for politicians in Texas.After so much flooding, the Roberts say they've already answered another tough question about their future. Why do they stay?“That's a good question,” Roberts says. “It's a person by person decision; there's no question about that. We love for years. We fought for years to get into this neighborhood. So, we just really love the areas."There were a lot of things we really love about this neighborhood, so we stuck it out. We prayed about it thought about it and took all things into consideration." 1808

If you've seen all those stories about tiny homes and are thinking about whether the lifestyle would work for you, don't take HGTV's word for it - ask someone who, four years ago, built one herself, downsized in a big way, and still lives in one now! Kristina Guerrero talked to Jenna Spesard of Tiny House, Giant Journey to get the truth about 3 things it takes to live tiny. 384

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