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Iraqi social media influencer Um Fahad shot dead by motorbike gunman in Baghdad
Iraqi authorities on Saturday were investigating the killing of a well-known social media influencer, who was shot by an armed motorcyclist in front of her home in central Baghdad.
Ghufran Mahdi Sawadi, known as Um Fahad or “mother of Fahad,” was popular on the social media sites TikTok and Instagram, where she posted videos of herself dancing to music and was followed by tens of thousands of users.
An Iraqi security official, who spoke on the condition of anonymity because he wasn’t authorized to speak to the media, said that the assailant opened fire as Sawadi parked her Cadillac in front of her house on Friday, killing her, then took her phone and fled the scene.
HUSSEIN FALEH/AFP via Getty Images
The killing took place in Zayoona, the same neighborhood where a prominent Iraqi researcher and security expert Hisham al-Hashimi was gunned down in 2020. Before the U.S. invasion of 2003, the neighborhood was home to military leaders and considered a prestigious area in Baghdad. In recent years, many militia leaders have taken up residence there.
Sawadi isn’t the first prominent social media figure to be gunned down in central Baghdad. Last year, Noor Alsaffar or “Noor BM,” a transgender person with a large social media following, was also fatally shot in the city.
A neighbor of Sawadi who identified himself only by his nickname, Abu Adam or “father of Adam,” said he came out to the street after hearing two shots fired and saw “the car’s door open and she was lying on the steering wheel.”
“The woman who was with her (in the car) escaped, and security forces came and sealed off the entire area, and they took the victim’s body and towed her car,” he said.
HUSSEIN FALEH/AFP via Getty Images
In Iraq, the role of social media influencers has broadened from promoting beauty products and clothing to government projects and programs. Official government invitations classify these influencers as key business figures at sports, security and cultural gatherings.
Videos featuring a prominent influencer during the 93rd anniversary on Thursday of the Iraqi air force’s founding sparked a backlash, with many criticizing the Ministry of Defense for allowing them to record and publish videos from sensitive military sites. The ministry defended itself, saying that in the era of social media, like defense ministries worldwide, it uses influencers alongside traditional media to communicate with the public.
Last year, an Iraqi court sentenced Sawadi to six months in prison for posting several films and videos containing obscene statements and indecent public behavior on social media as part of a recent push by the Iraqi government to police morals.
Separately on Saturday, the Iraqi parliament passed an amendment to the country’s prostitution law — widely criticized by human rights groups — that would punish same-sex relations with a prison term ranging from 10 to 15 years. A previous version of the law would have imposed the death penalty.
The law also bans any organization that promotes “sexual deviancy,” imposing a sentence of at least seven years and a fine of no less than 10 million dinars (about $7,600).
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If you’re tired of making monthly credit card payments only to see minimal reductions in your balances then you may be looking into debt relief options. Credit card debt forgiveness is one to consider.
Debt forgiveness companies aim to help you save money and get out of debt faster through negotiations. If those negotiations are successful, your credit card companies may forgive a percentage of your balances, which could provide the relief you’re looking for.
But, like all debt relief options, credit card debt forgiveness isn’t a one-size-fits-all solution. So, what are some signs that credit card debt forgiveness may not work for you? That’s what we will detail below.
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4 signs credit card debt forgiveness may not work for you
While credit card debt forgiveness programs are a good fit for some borrowers, they aren’t perfect for everyone. Here are a few signs that credit card debt forgiveness may not work for you:
You always make your payments on time
Credit card debt forgiveness is typically designed for borrowers who can’t consistently make minimum payments. So, if you make your credit card payments on time, every time, that may be a sign that these programs aren’t a good fit for you.
There are a wide range of debt relief options. And, credit card debt forgiveness is a more extreme option that can come with more significant repercussions than others. So, if you can afford to make your monthly payments on time – even if it’s not always comfortable – other debt relief solutions may be a better fit.
Find alternatives to credit card debt settlement here.
You don’t have enough credit card debt
Most credit card debt forgiveness companies require minimum debt amounts to qualify for their services. For example, you’ll need at least $10,000 in credit card debt to qualify for the services Accredited Debt Relief provides and Freedom Debt Relief and National Debt Relief both impose $7,500 minimums. If you have under $7,500 in credit card debt, you may be hard-pressed to find a service provider to work with.
You already have a judgment
If you forego payments to your credit card companies for too long, they may sue you for the money you owe. And, if your credit card companies sell your debt to a debt collector, that collector may take you to court, too.
If you lose the case, your credit card companies, or the debt collectors they’ve sold your debt to, may win judgments against you. Those judgments can give them leverage, making them less likely to negotiate what you owe. While you may be able to settle a debt following a judgment against you, doing so may be more difficult. So, if you already have one or more judgments against you and can’t afford to pay the debt back, bankruptcy may be a better option.
You’re considering a large purchase
Credit card debt forgiveness may not be your best debt relief option if you want to make a large purchase, like a home or car. That’s because these solutions can harm your credit score, making it difficult to access new loans.
“Asking for payment relief or debt forgiveness should be given serious consideration prior to taking action,” explains Michael Broughton, founder and CEO of the credit-building app, ALTRO. “Once you request a change to terms or a lower payment, your credit could be impacted and the chances that you will be able to get loans for other, unrelated items can be severely diminished.”
The bottom line
Credit card debt forgiveness is a fitting solution for many people – especially if they can’t afford their minimum payments. But, it’s not the best fit for everyone. You may want to consider other options if you always make your payments on time, don’t have enough credit card debt, already have judgments against you or you’re in the market for a large purchase. Chat with an expert about your debt relief options now.
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