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As Israel-Hezbollah ceasefire takes hold, Biden heralds new push for truce in Gaza

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As a ceasefire the U.S. helped broker between Israel and the Iran-backed group Hezbollah came into effect Wednesday, President Biden said his administration would quickly launch “another push” with international partners to secure a deal to end the even deadlier war in the Gaza Strip

Mr. Biden, who has less than two months left in office, said in a social media post Wednesday morning that his administration would work in the coming days with Israel and other partners in the region to “achieve a ceasefire in Gaza with the [Israeli] hostages released and an end to the war without Hamas in power.”

The ceasefire the U.S. and France helped secure to stop the fighting between the Lebanese militant group Hezbollah and Israel appeared to be largely holding Wednesday hours after it took effect. There was, however, an unverified claim from the head of Lebanon’s national journalists syndicate that Israeli forces in or near the southern city of Khiam had opened fire “at a group of journalists and correspondents” there, allegedly leaving two — one with The Associated Press and one with the Russian agency Sputnik — with unspecified injuries.

Lebanon’s state-run National News Agency cited the head of the syndicate, Joseph Al-Qasifi, as calling it “the first violation of the ceasefire.”

CBS News has sought comment from The Associated Press and the Israel Defense Forces about the purported incident.

That war in Lebanon simmered for months after Hezbollah started launching rockets at northern Israel in support of its ideological allies Hamas, the day after that group carried out its Oct. 7, 2023, terrorist attack, sparking the war in Gaza. That attack saw Hamas and allied militants kill some 1,200 people in Israel and take 250 others hostage.

Hezbollah and Israel begin ceasefire
A girl flashes the “V” sign and displays the flag of the Iran-backed group Hezbollah as she stands in front of destroyed building in Beirut’s southern suburbs, Nov. 27, 2024, as a ceasefire between Israel and Hezbollah came into force.

Marwan Naamani/picture alliance/Getty


The near-constant volley of rockets and missiles across the Israel-Lebanon border escalated dramatically in September, and Lebanese officials said about 3,800 people had been killed by the time the truce took effect Wednesday morning. Israeli authorities say Hezbollah’s rocket strikes have killed 45 civilians over the past year, and at least 73 Israeli soldiers have been killed amid the operations in southern Lebanon.

But the agreement between Israel and Hezbollah did not address the war in Gaza, which sits at the heart of the tension in the Middle East. Health officials in the decimated, Hamas-ruled Palestinian territory say Israel’s military assault in Gaza has killed more than 44,280 people and left some 104,000 others wounded. Most of the enclave’s 2.3 million people have been displaced from their homes, many of them forced to flee multiple times over the last year.

“Just as the Lebanese people deserve a future of security and prosperity, so do the people of Gaza. They too deserve an end of the fighting and displacement,” Mr. Biden said Tuesday at the White House. “The people of Gaza have been through hell.”

Hamas indicated its openness to renewed negotiations for a Gaza ceasefire on Wednesday, with a senior official from the group telling the French news agency AFP that it had “informed mediators in Egypt, Qatar and Turkey that Hamas is ready for a ceasefire agreement and a serious deal to exchange prisoners.”

The Reuters news agency quoted Hamas official Sami Abu Zuhri as saying the group recognized Lebanon’s right to take part in the ceasefire with Israel, to protect its population, and voicing hope that an agreement to end the Gaza war might also be possible after many months of largely fruitless talks.

Mr. Biden said the U.S. would work with “Turkey, Egypt, Qatar, Israel, and others” to broker a so-far elusive deal between Israel and Hamas, and the Egyptian government announced Wednesday that President Abdel Fattah El-Sisi had already met with the visiting Qatari prime minister to review “joint efforts aimed at a ceasefire in Gaza, joint efforts to secure the release of the hostages and the unconditional access of humanitarian and relief aid to the Gaza Strip.”

Earlier Wednesday, King Abdullah II of Jordan also visited Cairo and met with el-Sisi, discussing both the ceasefire in Lebanon and the latest developments in Gaza, according to Egyptian officials.

But while the negotiators renew their efforts on Gaza, they’ll likely be keeping a very close, even wary eye on Israel’s northern border with Lebanon, as there’s far more international will behind the ceasefire with Hezbollah than there is trust between the longtime foes.


How the Israel, Hezbollah ceasefire came together

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Israel and Hezbollah were exchanging heavy fire right up until the moments before the ceasefire came into effect Wednesday. It will now be a tense wait to see if the peace holds during the 60-day period when Israeli forces, who crossed the border in early October, slowly pull out of Hezbollah’s previous stronghold in southern Lebanon. They are to be replaced by Lebanese soldiers and United Nations peacekeepers during a process monitored by the U.S. and France.

Over the coming two months, Israel must withdraw all its troops from Lebanon and Hezbollah must pull its fighters and weapons back about 20 miles north of the border, to the other side of the Litani River.

But the distrust on both sides of the border – the so-called Blue Line established after the last Israel-Hezbollah war in 2006 – runs deep. Both Mr. Biden and Israeli Prime Minister Benjamin Netanyahu stressed Tuesday that, in the Israeli leader’s words: “If Hezbollah breaks the agreement and tries to rearm, we will attack.”

“For every violation,” Netanyahu threatened, “we will attack with might.”

Speaking Wednesday on “CBS Mornings” U.S. National Security adviser Jake Sullivan said the Biden administration helped broker the truce based on previous successes, and failures.

“We have learned from the past,” he said, “and we have designed this deal to be long-standing and to stay in effect – to continue to sustain the peace and also to ensure the security of the State of Israel.”

The fighting between Israel and Hezbollah drove hundreds of thousands of Lebanese civilians from their homes in the south, and about 60,000 Israelis from their communities near the border in the north.

“It’s not safe to go home,” Israeli Eliyahu Maman said as the truce silenced the rocket-fire, “because Hezbollah can still harm us.”

On the other side of the border, Beirut resident Rima Abdkhaluk said she didn’t “believe in this ceasefire… Israel cannot be trusted.”

LEBANON-ISRAEL-PALESTINIAN-CONFLICT-CEASEFIRE
Vehicles on the highway between Sidon and Tyre, Lebanon, are seen on Nov. 27, 2024, as displaced people make their way back to their homes in the south of Lebanon after a ceasefire between Israel and Hezbollah took effect.

MAHMOUD ZAYYAT/AFP/Getty


But neither the lack of trust nor warnings from Israeli and Lebanese officials for civilians not to return to areas evacuated amid Israel’s offensive since October were enough to deter thousands of Lebanese civilians from packing their belongings back into cars and cramming onto highways to try to return to their homes in the south on Wednesday.

Some 2 million Palestinians in Gaza will be hoping that they, too, might get the chance to start rebuilding their shattered lives in the coming weeks. The families of about 100 Israeli hostages still held in the Gaza Strip will be hoping the renewed push for a ceasefire with Hamas can also bring their loved ones back home.

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Who qualifies for a credit card debt consolidation program?

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Enrolling in a credit card debt consolidation program may be easier than taking out a debt consolidation loan, but there are still requirements to consider.

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With today’s credit card rates sitting at over 23%, it’s easy for any credit card debt you’re carrying to cause financial distress. As the compound interest charges accrue, the balance on your credit card grows, and over time, it can be increasingly difficult to pay off what you owe. Luckily, there are debt relief lifelines, like debt consolidation programs, that you can use to try and combat your high-interest credit card debt before it becomes impossible to pay off. 

A debt consolidation program functions similarly to regular debt consolidation by rolling multiple credit card debts into a single loan, typically with a lower interest rate. This makes your monthly payments more manageable and potentially saves you thousands in interest charges over time. The big difference is that with a debt consolidation program, you’re working with a debt relief company to acquire the loan through one of its third-party lenders, which tend to have more flexibility in terms of their lending criteria.

Not everyone qualifies for these programs, though. Specific eligibility criteria must still be met, and understanding these requirements is the first step in determining whether this debt relief solution could work for your situation.

Find out more about your debt relief options here.

Who qualifies for a credit card debt consolidation program?

To qualify for a credit card debt consolidation program, you’ll typically need to meet certain financial and credit-related benchmarks. These requirements vary depending on the debt relief service and its lending partners, but some of the more common requirements include:

A minimum amount of unsecured debt

Most debt consolidation programs require applicants to have a minimum amount of unsecured debt, often between $7,500 to $10,000. This ensures that the program is worth the administrative effort and that consolidating debt makes financial sense for the borrower.

Take steps to get rid of your expensive credit card debt today.

A lower debt-to-income ratio

While debt consolidation programs are designed for individuals with financial challenges, your debt-to-income (DTI) ratio still plays a significant role in the approval process. Many programs accept higher DTIs than traditional lenders, but a ratio above 50% may signal excessive financial strain, making approval more difficult.

A decent credit score

A fair or decent credit score is often needed to qualify for these programs, though the lenders that debt relief companies work with are typically more flexible than traditional banks. Each debt relief company has its own minimum score requirements, but in general, a score in the mid-600s or higher improves your chances of approval. Borrowers with significantly lower scores may need to explore alternative debt relief options.

A steady income

A stable income is crucial for qualifying for a debt consolidation program. Lenders need assurance that you can commit to regular monthly payments throughout the term of the loan. As a result, you’ll likely need to verify your income by providing recent pay stubs, tax returns or bank statements.

High-rate credit card debt

While not necessarily a stringent requirement, debt consolidation programs are most effective for those carrying high-rate credit card debt. Consolidating these debts into a single loan with a lower interest rate can save thousands of dollars in interest charges over time.

What to do if you don’t qualify for a debt consolidation program

If you’re unable to meet the requirements for a credit card debt consolidation program, don’t panic — there are other strategies to tackle your financial challenges. Here are some alternatives to consider:

Debt management plans

A debt management plan, typically offered by credit counseling agencies, can be an excellent alternative. These plans involve negotiating lower interest rates with creditors and creating a structured repayment plan. Unlike consolidation loans, these plans don’t require a high credit score to qualify.

Debt settlement

Debt settlement (also known as debt forgiveness) involves negotiating with your creditors to reduce the total amount owed, generally in exchange for a lump-sum payment. This option can significantly lower your debt, but it may also negatively impact your credit score in the short term and may not be suitable for all situations.

Work directly with your creditors

You can also reach out to your creditors to explore any alternative payment arrangements that are available to you. For example, many credit card companies offer hardship programs that can temporarily reduce your interest rates or adjust payment terms, providing you some relief while you get your finances back on track.

Focus on budgeting and repayment strategies

If a formal debt relief program isn’t right for you, creating a budget and prioritizing repayment can also help you make progress. For example, using the debt snowball (paying off smaller balances first) or the debt avalanche (focusing on high-interest debts) methods can provide a structured approach to tackling your obligations.

The bottom line

Qualifying for a credit card debt consolidation program typically requires meeting specific criteria related to debt amount, income stability and creditworthiness. These programs can provide invaluable support for those looking to simplify their financial lives and reduce the cost of high-interest debts. However, if you don’t qualify, there are still numerous paths to achieving financial freedom. Whether through alternative debt relief solutions or a disciplined repayment strategy, taking proactive steps today can pave the way for a more secure financial future.



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Eye Opener: Millions of Americans facing Thanksgiving travel rush

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Eye Opener: Millions of Americans facing Thanksgiving travel rush – CBS News


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Millions of Americans face long lines and bad weather on one of the years busiest travel days. Also, cautious optimism in the Middle East as a fragile ceasefire between Israel and Hezbollah takes effect. All that and all that matters in today’s Eye Opener.

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Wojcicki sisters honor Susan Wojcicki with a focus on lung cancer research

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Wojcicki sisters honor Susan Wojcicki with a focus on lung cancer research – CBS News


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In an exclusive interview, Anne and Janet Wojcicki share how their family is working to raise awareness and fund research following Susan Wojcicki’s death from lung cancer.

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