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5 questions to ask before enrolling in a credit card debt forgiveness program

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There are a few questions you should ask before you enroll in a credit card debt forgiveness program. 

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If you’re struggling to make ends meet and high interest credit card debt is only adding to your financial hardship, you may be thinking about enrolling in a debt forgiveness program. These debt relief services typically offer meaningful savings by negotiating your principal credit card balances on your behalf. If those negotiations are successful, you could end up paying far less than you owe to pay your credit card debt off. 

But, while there are regulations surrounding debt forgiveness (the service can’t legally charge you a fee for negotiations until they’ve successfully settled your debt), they’re also individual companies. So, it’s important to understand the details of the program you’re considering before signing up. 

One of the best ways to form an understanding of those details is to ask questions. Below, we’ll break down which questions to ask before you enroll in a debt forgiveness service

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5 questions to ask before enrolling in a credit card debt forgiveness program

“Whether you’re communicating with a debt forgiveness company in-person or over the phone, there are several things you should understand before signing up,” explains Dawn-Marie Joseph, founder of the financial planning firm, Estate Planning & Preservation. Ask the questions below to make sure you understand exactly what you’re signing up for. 

How long will it take to pay off my debts?

One of the goals credit card debt forgiveness companies aim to achieve is to get you out of debt as quickly as possible. But, some plans will take longer to complete than others. So, it’s important to ask how long it will take to pay your debts off

You should “understand how long it will take to finish the program,” says Joseph. “Debt settlement can be a long process.”

Keep in mind that if you’re not happy with the answer, you may be able to change it. The length of time it takes to pay your debts off is largely dependent on the amount of money you pay per month. So, if the debt forgiveness provider tells you it will take four years, and you’d like to be paid off in three, ask what you would have to pay to eliminate your debt in three years to see if doing so is feasible. 

Pay your credit cards off faster with a debt forgiveness service

How much money will it cost me to use your service?

Most debt forgiveness companies are for-profit companies. So, you can expect to pay a fee for their services. But, that fee varies from one provider to the next. “You should know whether there are any associated costs,” says Joseph. 

Debt forgiveness companies typically charge between 15% and 25% of the debt you enroll in the program (once your accounts are settled). So, it’s best to try and stay on the low end of those fees. 

What happens if I’m unable to make a payment?

Credit card debt forgiveness services are typically best for consumers who are having a hard time meeting their minimum payment obligations. And, while these services can reduce the monthly cost of your debt, you may still have a difficult time making your payments occasionally. 

So, be sure to ask what happens if you’re unable to make a payment. While some companies may be willing to work with you, others may be more strict in terms of their stance on missed payments. Late fees could occur if you don’t pay what you agreed upon. 

How are my payments saved for my settlement?

Debt forgiveness companies typically instruct you to forgo payments to your lenders. Instead, you’ll send payments to your debt relief provider that will be saved on your behalf until you have the money you need to pay a settlement. 

Even though you’re saving that money to settle your debts, it’s yours until that settlement is achieved. So, it’s important to understand what the company you work with plans on doing with it. In most cases, your provider will hold your payments in a savings account. But, that may not be the case in all circumstances.

What happens to the money I’ve saved if I stop making my payments?

Since the money you save is yours until the debt is settled, it’s important to know what happens to it if you stop making your payments. After all, in a best case scenario, your income may improve and you may decide you don’t need settlement services anymore. In a worst-case scenario, you may decide that bankruptcy is your better option

In either case, you’ll want to make sure that the money you’ve paid toward your potential settlement is returned to you. But, there may be cancellation fees to cover before the money is returned. So, make sure you know what happens in the event that you stop making payments before you enroll. 

The bottom line

Debt forgiveness can help you eliminate troublesome credit card debt. But, it’s important that you’re completely aware of what you’re signing up for. Be sure to ask the questions above before you enroll in a debt forgiveness service. Chat with an expert about your debt forgiveness options today



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Canadian teen in critical condition with suspected case of bird flu

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A Canadian teen is hospitalized in critical condition with what is believed to be bird flu, a British Columbia health official said Tuesday.

It’s not clear how the teenager picked up the virus, which has been detected recently in wild birds and poultry in the province, said Dr. Bonnie Henry, provincial health officer. The teen is not known to have any contact with infected animals, she said.

Officials have released few details about the patient. Henry said the teen was healthy before developing symptoms more than a week ago — initially eye redness, cough and fever — and has been hospitalized with a respiratory illness since Friday in Vancouver.

Initial testing indicated the infection is from bird flu. Officials believe it is the Type A H5N1 bird flu, but are awaiting confirmation. H5N1 has been spreading widely in the U.S. among wild birds, poultry, cows and a number of other animals. 

In Canada, testing has been done on about three dozen people who were in contact with the teen. None of them have evidence of infection, Henry said.

Officials are trying to figure out how the teen was infected, although Henry said that may never be determined. In British Columbia, the virus has been detected in poultry, wild birds and some small animals, mostly when birds are migrating through the area.

The Canadian case was in the Fraser Valley area in southern British Columbia.

So far this year, at least 46 people in the U.S. — mostly farmworkers — have tested positive with mostly mild symptoms.

According to the U.S. Centers for Disease Control and Prevention, 21 of those patients were in California, 11 in Washington, 10 in Colorado, two in Michigan and one each in Missouri and Texas.

The source of the disease was traced to either cattle or poultry in all but one of the U.S. cases. The source in the lone Missouri case was unknown, the CDC said. 



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DOC NYC documentary film festival showcases real life on screen

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DOC NYC, America’s largest documentary film festival, returns Wednesday for its 14th edition in New York City, with films available for viewing both in-person and online.

The festival showcases an international lineup of more than 200 feature-length and short films, including many world, North American and NYC premieres. Held in-person Nov. 13-21 at venues in Manhattan, the festival also streams many features online through Dec. 1. (For tickets and streaming passes click here.)

The festival also includes filmmaker Q&As, panel discussions, master classes and workshops with notable documentarians and industry insiders.

The full lineup may be viewed here.

Special events

The festival’s opening night feature is the U.S. premiere of “Blue Road: The Edna O’Brien Story,” Sinéad O’Shea’s revealing portrait of the defiant Irish novelist. O’Brien’s sexually-infused stories of women pushing against societal expectations, beginning with “The Country Girls,” raised the ire of Catholic sensibilities and censors, but won her fans for her clear-eyed depictions of youth and innocence being shattered.

Cleverly piecing together archival footage and TV appearances, recent interviews with O’Brien (who died in July at age 93), and clips from films adapted from her works, with actress Jessie Buckley voicing the novelist’s books and diaries, O’Shea gives voice to a woman, inspired by the writings of James Joyce, who sought her rightful place at the table of Irish literati. (Screens Nov. 13, online Nov. 14-Dec. 1.)

The centerpiece selection is the world premiere of “All God’s Children,” Ondi Timoner’s story of a rabbi and a pastor working to bring their Brooklyn communities together amid rising racial and religious tensions. (Screens Nov. 14, 16, online Nov. 15-Dec. 1.)


ALL GOD’S CHILDREN trailer by
Interloper Films on
YouTube

The closing night feature is the world premiere of Peter Yost and Michael Rohatyn’s “Drop Dead City: New York on the Brink in 1975,” about how Gotham cratered in the 1970s, thanks to a budget crisis, rising poverty, and a political and banking establishment that was ready to cut the city loose. Still the greatest city in the world, though! (Screens Nov. 21.)

Special presentations include: “2073,” Oscar-winner Asif Kapadia’s fictional documentary from the future about what we might expect to happen, given the way things are going now; “Architecton” examines mankind’s relationship with architecture, from ancient ruins to contemporary cityscapes; “The Ride Ahead” follows a young man with a rare neurodevelopmental disorder navigating the challenges of life; and “Thom Browne: The Man Who Tailors Dreams” profiles the iconoclastic fashion designer.

World premieres

Other notable world premieres include the Alex Gibney-produced “The Bibi Files,” Alexis Bloom’s expose into the corruption investigations involving Israeli Prime Minister Benjamin Netanyahu that led to his 2019 indictment. (An Israeli judged rejected Netanyahu’s demands that the film be blocked from public screenings. The corruption case against the prime minister is still ongoing.)  


THE BIBI FILES | Official Trailer by
Jolt Film on
YouTube

In the HBO documentary “Surveilled,” Ronan Farrow investigates companies that sell spyware and hacking tools to governments, which use them to surveille political activists, watchdogs and journalists. Farrow talks with software developers who explain why you’ll never know your phone has been compromised.

“Isla Familia” follows independent journalist Abraham Jiménez and his wife, producer Claudia Calviño, whose harassment by Cuban authorities leads to their living in exile in Spain. In “Mothers of Chibok,” families in a Nigerian village contend with the kidnapping of their daughters by Boko Haram.  

Can comedy be therapeutic? “Anxiety Club” showcases comedians who channel their unease, agitation and apprehension into their acts. 

The standup comic Gallagher became famous for smashing watermelons with a giant sledgehammer, and then seemed to fall off the map. Josh Forbes, a longtime fan, traces the path taken by Leo Gallagher, who was still trying to shake off the label “prop comic” in the years before his death in 2022, in the film “Gallagher.” 

“Art Spiegelman: Disaster Is My Muse” follows the graphic artist and culture critic acclaimed for his Holocaust-themed “Maus,” who became a leading voice against book bans and Trumpism.

In “Front Row,” the United Ukrainian Ballet Company, engaged in an international tour as their country is gripped by war, offers comfort to a wounded Ukrainian soldier, who learns to dance with prosthetic legs. “After The Rain: Putin’s Stolen Children Come Home” examines the recovery of Ukrainian children, rescued following their abduction by Russian forces, and the healing they receive, among horses and dogs, at an animal therapy retreat.  

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A Ukrainian soldier with prosthetic legs dances with the United Ukrainian Ballet Company in “Front Row.” 

DOC NYC


“Spacewoman” profiles astronaut Eileen Collins, the first woman to pilot and command the Space Shuttle. “Facing the Wind” follows the overwhelming difficulties faced by two women, Lida and Carla, who are each caring for spouses living with Lewy body dementia. Director Justin Schein takes a personal view of his father, Harvey Schein, a record company CEPO with an obsession about the estate tax, in “Death & Taxes.”

During World War II, Bruno Lohse, Hermann Göring’s art agent in Paris, facilitated the theft of masterpieces owned by French and Dutch families. But the end of the war didn’t end his work in the international art market. “Plunderer” looks at how he got away with stealing for the Nazis.

In “Yalla Parkour,” filmmaker Areeb Zuaiter takes a unique perspective among the ruins of Gaza, through the athleticism of parkour.


Yalla Parkour | Official Trailer 2024 by
Kinana Films on
YouTube

“Looking for Simone” explores the ramifications on feminism from the publication, in 1949, of Simone de Beauvoir’s “The Second Sex,” and the journey she took across America during the research of her manifesto.

“Nature of the Crime” follows three incarcerated men facing the bureaucracy of the parole process.

Satish Bhaskar, the “Turtle Walker” of the title, traces the Indian coastline to document the nesting areas of endangered sea turtles, and the threats to their survival.

In “Unearth,” local and Indigenous residents of the Bristol Bay area of Alaska fight the proposed development of mining near their homes.

Stories of resilience

Natalia Zubkova, a citizen journalist and mother in Russia, fields threats and harassment as she investigates corruption involving Russian authorities and the coal industry, in “Black Snow.” “Afterwar” is a coming-of-age story of children who grew up in war-torn Kosovo.  


My Sweet Land | Official Trailer 2024 by
Sareen Hairabedian on
YouTube

In “My Sweet Land,” director Sareen Hairabedian follows 11-year-old Vrej, an Armenian boy, whose family and village are disrupted when the neighboring country of Azerbaijan invades. Women in the Republic of Artsakh fight for their land in “There Was, There Was Not.” In “Forest,” a Polish family living an idyllic life in a remote cabin is confronted with the political implications of Europe’s migrant crisis.

“Sudan, Remember Us” follows young activists during the Sudanese revolution. In “All The Mountains Give,” two Kurdish men smuggle goods across the Iran-Iraq border. In “Flavors of Iraq,” French-born journalist Feurat Alani uses animation to tell the story of his complicated connection to his parents’ homeland.

The debilitating effects of PTSD on Navy SEAL veterans, and an experimental, hallucinogenic drug treatment, is examined in “In Waves and War.” Actors from Haiti and the Dominican Republic recreate the traumas of a 1930s genocide in “Twice Into Oblivion.”

Music

Profiles of musicians include documentaries about the rock group Steppenwolf (“Born to be Wild: The Story of Steppenwolf”); the absurdist counterculture band “Devo”; The Black Keys (“This Is A Film About The Black Keys.”); keyboardist and songwriter Billy Preston (“Billy Preston: That’s The Way God Planned It”); songwriter Diane Warren (“Diane Warren: Relentless”); trans singer Jackie Shayne (“Any Other Way: The Jackie Shane Story”); punker Harley Flanagan (“Harley Flanagan: Wired for Chaos”); singer-songwriter Janis Ian (“Janis Ian: Breaking Silence”); and the world of Steely Dan, Toto and Christopher Cross (“Yacht Rock: A Dockumentary”). And then, there is “Disco’s Revenge,” which traces the fall of the ’70s dance beat and its rebirth as house music.

Sports and Endurance

“Southpaw: The Life and Legacy of Jim Abbott” looks at the remarkable life and career of the New York Yankee pitcher born without a right hand. “Moses – 13 Steps” tracks how Olympian Edwin Moses used physics to triumph in the 400-meter hurdles.


76 Days Adrift Trailer: 2024 Documentary by
Joe Wein on
YouTube

Based on the New York Times bestseller, “76 Days Adrift” tells the story of Steve Callahan, who was stranded on a life raft in the Atlantic Ocean for nearly three months after his sailboat met with disaster. Aerial cinematographer and skydiver Joe Jennings is the subject of “Space Cowboy,” in which he attempts to film a car loaded with passengers as it hurtles towards the ground.  

Profiles

“Beyond The Gaze: Jule Campbell’s Swimsuit Issue” explores the history of Sports Illustrated’s annual Swimsuit Issue and the editor behind it. The Iranian singer and actress Googoosh, whose career was stifled when she was placed under house arrest, made a comeback internationally, and now speaks out against the regime in Tehran, in “Googoosh – Made Of Fire.”

The fashion designer’s business success and activism are explored in “A Man With Sole: The Impact of Kenneth Cole.” “Man From Pretentia” profiles Paul Bridgewater, a gay NYC art dealer with an impeccable eye and a less-impeccable grasp of money.

“Petra Kelly – Act Now!” tells the story of the co-founder of German Green Party. “Shaking It Up: The Life and Times of Liz Carpenter” is a portrait of the journalist, activist and White House advisor.

“We All Bleed Red” examines the relationship New York photographer Martin Schoeller has with his subjects, from celebrities to those living on the margins. “What’s Next?” is the question posed to Dr. Howard Tucker, who at the age of 100 is recognized by Guinness World Records as the oldest practicing doctor.

Georgina, a transgender woman in her early seventies and a member of the indigenous Wayúu tribe, travels across the Colombian desert to the family that rejected her, in “Soul of the Desert.” Filmmaker Rachel Elizabeth Seed delves into the archives of her late mother, journalist Sheila Turner Seed, to reconnect with her, and her legacy, in “A Photographic Memory.”

Other festival entries

A blind Anglican priest, after living without sight for nearly four decades, becomes one of the first people to receive an experimental bionic eye implant, in “Light Darkness Light.”  In the wake of the Black Lives Matter movement, three Minneapolis women work to continue fighting injustice in “The People’s Way.” During COVID, millions of Indian farmers protested exploitative farm laws by marching to New Delhi, in “Farming the Revolution.”

Eddie Huang takes an irreverent tour of the rise and fall of the Vice media empire, which he watched fall into bankruptcy, in “Vice Is Broke.” “Balomania” enters the Brazil’s favelas to explore the world of baloeiros (men who create and compete with hot air balloons), a sub-sculture that doesn’t let its illegality get in the way. A group of Rhode Island artists who lost their living space to the developers of a shopping mall takes action by creating an illicit living space within the mall. Their secret, four-year residency is documented in “Secret Mall Apartment.”

Following a month-long ordeal when their village was occupied by Russian forces, the residents of Yahidne, in northern Ukraine, try to come to grips with a less-than-normal life in “The Basement.” “The Sing Sing Chronicles” goes inside the New York correctional facility.

Michael Premo’s “Homegrown” follows three Trump supporters who zealously join the January 6th attack on the U.S. Capitol. A monument to the values of the Confederacy – a giant stone carving of Jefferson Davis, Robert E. Lee and Stonewall Jackson – looms over Stone Mountain, Georgia, and over America’s current conversation about race and history, in “Stone Mountain.”

Parents of children with dyslexia, finding little support in New York City public schools, create the Literacy Academy Collective to help further their children’s education, in “Left Behind.” The war between renters and landlords/developers, with the outcome of unsafe housing and gentrification, is documented in “Slumlord Millionaire.”

Two aging artists — photographer Joel Meyerowitz and artist-writer Maggie Barrett — try to enact the lessons learned from previous relationships as they face the last chapter of their lives, together, in “Two Strangers Trying Not to Kill Each Other.”

“G – 21 Scenes From Gottsunda” tells the stories of immigrant families in a suburb of Uppsala, Sweden, a community that has suffered from drugs and gang activity. In “Roleplay,” college students create a play based on their campus experiences involving sexual identity and power.

The Negev Desert in Israel was used as a location for the 1988 Sylvester Stallone action film “Rambo III.” Daniel Mann looks at the desert’s importance over time as the tribal home of Bedouin, in “Under A Blue Sun.” “Welcome Interplanetary and Sidereal Space Conquerors” recounts the unique role that Colombia played for NASA during the Cold War Space Race.

“The White House Effect” looks back at how past administrations, from those of Jimmy Carter to Ronald Reagan and George H.W. Bush, responded to the growing climate crisis. In “The Battle for Laikipia,” Kenyan nomads and ranchers are both devasted by drought, stirring tensions that have existed for generations.

Years after having given up their baby for adoption, a Korean couple tracks down the young woman, raised in the Netherlands, in “Between Goodbyes.” Poet Stacyann Chin struggles with the fallout of being abandoned by her mother as a baby, while raising her own child in New York City, in “A Mother Apart,”

The son of a 60-year-old Chilean gold miner creates a machine to spare his father from the toil of labor in “The Fabulous Gold Harvesting Machine” 

A Chinese woman, upon discovering her husband is having an affair, hires an agency to rescue her marriage in “Mistress Dispeller” “Bad Reputation” follows a Uruguayan activist fighting to establish a union for current and former sex workers.

Armed with 8mm archival footage, filmmaker Farahnaz Sharifi creates an alternative reality for life lived under the oppressive government of Tehran, magnifying how Iran’s Islamic Revolution affected the public and private lives of women, in “My Stolen Planet.” Native Hawaiian mothers and daughters fight to stop construction of a massive telescope on the sacred slopes of Mauna Kea in “Standing Above the Clouds”

Dancer-choreographer Hadar Ahuvia explores the Palestinian-Israeli relationship through dance in “Everything You Have Is Yours.”

Los Angeles Times journalist Rosanna Xia investigates the dumping of half a million barrels of DDT waste in the ocean in “Out Of Plain Sight.”

Also showing are episodes of the limited series “Conbody vs Everybody,” from director Debra Granik (“Leave No Trace”), and “Eyes on the Prize III: We Who Believe in Freedom Cannot Rest.”

The festival also showcases recent acclaimed documentaries from Sundance, Tribeca and other festivals, including “Black Box Diaries,” “The Remarkable Life of Ibelin,” “Dahomey,” “Soundtrack to a Coup d’Etat,” “Porcelain War,” and “Eternal You.” 


‘Black Box Diaries’ – Trailer (MTV Documentary Films) by
MTV Documentary Films on
YouTube

There are also numerous programs of short films, available in packages. 


Screenings are held at the IFC Center, SVA Theatre, and Village East by Angelika theaters.

For complete program descriptions, schedules and ticket/streaming information, visit docnyc.net.



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What is a recess appointment, the power Trump wants from the next GOP leader?

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What is a recess appointment, the power Trump wants from the next GOP leader? – CBS News


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Congressional Republicans are preparing to carry out President-elect Donald Trump’s agenda. This weekend, he took to social media saying that the next Senate Republican leader must “agree to recess appointments.” CBS News congressional correspondent Nikole Killion breaks down what that is, and what else the next leader will be tasked with.

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