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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

IMPERIAL BEACH, Calif. (KGTV) — Wednesday, Imperial Beach city leaders unanimously approved a one-cent sale tax measure for the November ballot.The city says, if enacted, the measure would, "enable the City to prepare for medical or catastrophic emergencies including preparing local first responder services, updating emergency communication systems and maintaining rapid 911 emergency response capacity."The potential one-cent sales tax increase would also support restoring the city's long-term emergency funding that is being used to address the coronavirus pandemic."Even through these challenging times, the City must continue to address challenges with clean, safe neighborhoods and addressing homelessness to maintain Imperial Beach as a quality community to live, work and raise a family for all residents," said Assistant City Manager, Erika Cortez-Martinez.The measure includes accountability and transparency requirements, including public disclosure of spending and independent audits, the city says.If approved it would go into effect in the spring of 2021. 1079

How far would you go to get the potholes in your neighborhood noticed? One of the more common frustrations motorists have in the Detroit area is the feeling that some potholes are ignored until they become dangerous. 234

In a joint status update filed in federal court, Special Counsel Robert Mueller's team claimed that former Trump campaign head Paul Manafort had lied to investigators after promising to cooperate with Mueller as part of a plea agreement. On Sept. 14, Manafort pleaded guilty on charges of conspiracy to defraud the United States and witness tampering. Manafort has remained in prison awaiting sentencing. Part of the update reads: "The plea agreement provides that if the defendant fails to fulfill completely “each and every one” of his obligations under this agreement, or “engages in any criminal activity prior to sentencing,” the defendant will be in breach of the agreement. A breach relieves the government of any obligations it has under the agreement, including its agreement to a reduction in the Sentencing Guidelines for acceptance of responsibility, but leaves intact all the obligations of the defendant as well as his guilty pleas."Manafort's counsel disputed the FBI's claims. The report states, "After signing the plea agreement, Manafort met with the government on numerous occasions and answered the government’s questions. Manafort has provided information to the government in an effort to live up to his cooperation obligations. He believes he has provided truthful information and does not agree with the government’s characterization or that he has breached the agreement. Given the conflict in the parties’ positions, there is no reason to delay the sentencing herein, and he asks the Court to set a sentencing date in this matter." 1595

In a move surely intended to put Washington on notice China's military has put on a show of force in the South China Sea, new satellite images show, with drills at sea and in the air to reinforce its claims in the contested region.Analysts said the images, provided by Planet Labs Inc and date-stamped March 26, showed China's only operational aircraft carrier, the Liaoning, accompanied by dozens of other vessels in the South China Sea, just south of the Chinese island province of Hainan.While the aircraft carrier has visited the South China Sea before, it was unusual to see such a large number of Chinese naval vessels training together in the area, Collin Koh, research fellow at the S. Rajaratnam School of International Studies' Maritime Security Program, told CNN."I would say this is the new normal and this will not be a one-off show of force," he said. 873