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Can’t make your credit card payments? Consider this instead

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Credit card debt can be a struggle, but there are options available to those who need some relief.

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If you have credit cards that you carry a balance on from month to month, you’re not alone. Credit card debt is a common issue in the United States, and card balances are on the rise, according to the Federal Reserve

Unfortunately, today’s high interest rate environment can make it difficult to make your minimum payments. After all, credit cards typically have variable rates, and the minimum payments you make are meant to primarily address interest. So, with rates rising over the past couple of years, your credit card minimum payments likely followed. 

But what if you can’t afford to make your minimum payments? While you may think your primary option is bankruptcy, there’s another option you may want to consider. 

Don’t struggle any longer. Tap into the debt relief you need now

Can’t make your credit card payments? Consider this instead

If you need a feasible way out of debt, you have options, including debt relief services. Debt relief professionals usually help in one of two ways: 

Debt consolidation (debt management)

Traditional debt consolidation involves taking out a new loan at a lower interest rate to pay off your current debt. However, if you’re struggling to make your minimum payments, you could be hard-pressed to find, and be approved for, an affordable debt consolidation loan

A debt consolidation or debt management service could provide the relief you need in this case. These services typically ask you questions about your debts, income and expenses and then use that information to attempt to negotiate better rates and terms with your creditors on your behalf. 

Once negotiations are complete, you’ll generally stop paying your credit card companies directly and start making a single monthly payment to the debt consolidation service. The company you work with will make individual payments to your creditors on your behalf. 

Save time and money with debt consolidation today

Debt settlement (debt negotiation)

Debt settlement programs are designed to help you settle your debts for less than you owe. As is the case with debt consolidation programs, the process usually starts with a representative who asks you questions about your debt, income and expenses. 

The representative will then work with you to create an affordable, yet effective, payment plan. At this point, you’ll usually be instructed to stop making payments to your creditors and make your new payments to the debt settlement company — which will likely store the money in a special-purpose savings account. 

Once you’ve saved enough money to settle your debts, the settlement company will negotiate with your lenders on your behalf in an attempt to get them to accept a lower payoff amount. Your creditors aren’t required to accept your settlement offer, but debt settlement companies are often successful in negotiations. 

Frequently asked debt relief questions

Find the answers to some of the most common questions about debt relief services below. 

How long does debt relief take?

The amount of time it takes you to pay your debts off as part of a debt relief program depends on several factors. For example, your balances, the company you work with and the terms they negotiate on your behalf will play a role in the timeline. 

However, Brandon Robinson, president and founder of JBR Associates, recently told CBS News that “if a person is not able to absolve the debt (through settlement or consolidation) within 36 months with lower monthly payments, then filing for bankruptcy may be the best option.”

Does debt relief hurt your credit score?

Whether or not debt relief impacts your credit score — and by how much — largely depends on the type of debt relief you take advantage of. Debt consolidation may have a short-term negative impact on your score, while the detrimental effects debt settlement can have on credit scores could last significantly longer. 

On the other hand, if you can’t afford to make your minimum payments, you may already have a low credit score. The good news is that once you pay off your debt, you’ll have a fresh foundation to rebuild your credit on. 

Is debt relief worth it?

If making your minimum payments is a breeze and you even send extra money to your creditors from time to time, debt relief probably isn’t going to be worth it for you. On the other hand, if you’re struggling to make ends meet and need a clear way out of debt to achieve financial stability, debt relief is likely a good fit. 

The bottom Line

It can be stressful if you’re unable to make your minimum credit card payments, but you’re not out of options. It may be possible for you to pay your debts off faster than you thought with a little professional guidance. Reach out to a debt relief specialist today to start putting your credit card debt behind you for good



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Tajikistan nationals with alleged ISIS ties removed in immigration proceedings, U.S. officials say

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When federal agents arrested eight Tajikistan nationals with alleged ties to the Islamic State terror group on immigration charges back in June, U.S. officials reasoned that coordinated raids in Los Angeles, New York and Philadelphia would prove the fastest way to disrupt a potential terrorist plot in its earliest stages. Four months later, after being detained in Immigration and Customs Enforcement (ICE) facilities, three of the men have already been returned to Tajikistan and Russia, U.S. officials tell CBS News, following removals by immigration court judges. 

Four more Tajik nationals – also held in ICE detention facilities – are awaiting removal flights to Central Asia, and U.S. officials anticipate they’ll be returned in the coming few weeks. Only one of the arrested men still awaits his legal proceeding, following a medical issue, though U.S. officials speaking on the condition of anonymity to discuss the sensitive proceedings indicated that he remains detained and is likely to face a similar outcome. 

The men face no additional charges – including terrorism-related offenses – with the decision to immediately arrest and remove them through deportation proceedings, rather than orchestrate a hard-fought terrorism trial in Article III courts, born out of a pressing short-term concern about public safety. 

Soon after the eight foreign nationals crossed into the United States, the FBI learned of the potential ties to the Islamic State, CBS News previously reported. The FBI identified early-stage terrorist plotting, triggering their immediate arrests, in part, through a wiretap after the individuals had already been vetted by U.S. Customs and Border Protection, law enforcement sources confirmed to CBS News in June. 

Several months later, their removals following immigration proceedings mark a departure from the post-9/11 intelligence-sharing architecture of the U.S. government. 

Now facing a more diverse migrant population at the U.S.-Mexico border, a new effort is underway by the Department of Homeland Security, Department of Justice and the Intelligence Community to normalize the direct sharing of classified information – including some marked top-secret – with U.S. immigration judges. 

The more routine intelligence sharing with immigration judges is aimed at allowing U.S. immigration courts to more regularly incorporate derogatory information into their decisions. The endeavor has led to the creation of more safes and sensitive compartmented information facilities – also known as SCIFs – to help facilitate the sharing of classified materials. Once considered a last resort for the department, Secretary Alejandro Mayorkas has sought to use immigration tools, in recent months, to mitigate and disrupt threat activity.

The immigration raids, back in June, underscore the spate of terrorism concerns from the U.S. government this year, as national security agencies point to a system now blinking red in the aftermath of the Oct. 7 attacks by Hamas on Israel, with emerging terrorism hot spots in Central Asia. 

A joint intelligence bulletin released this month, and obtained by CBS News, warns that foreign terrorist organizations have exploited the attack nearly one year ago and its aftermath to try to recruit radicalized followers, creating media that compares the October 7 and 9/11 attacks and encouraging “lone attackers to use simple tactics like firearms, knives, Molotov cocktails, and vehicle ramming against Western targets in retaliation for deaths in Gaza.”

In May, ICE arrested an Uzbek man in Baltimore with alleged ISIS ties after he had been living inside the U.S. for more than two years, NBC News first reported. 

In the past year, Tajik nationals have engaged in foiled terrorism plots in Russia, Iran and Turkey, as well as Europe, with several Tajik men arrested following March’s deadly attack on Crocus City Hall in Moscow that left at least 133 people dead and hundreds more injured. 

The attack has been linked to ISIS-K, or the Islamic State Khorasan Province, an off-shoot of ISIS that emerged in 2015, founded by disillusioned members of Pakistani militant groups, including Taliban fighters. In August 2021, during the U.S. military withdrawal from Afghanistan, ISIS-K launched a suicide attack in Kabul, killing 13 U.S. service members and at least 170 Afghan civilians. 

In a recent change to ICE policy, the agency now recurrently vets foreign nationals arriving from Tajikistan, Uzbekistan and other Central Asian countries, detaining them while they await removal proceedings or immigration hearings.

Only 0.007% of migrant arrivals are flagged by the FBI’s watchlist, and an even smaller number of those asylum seekers are ultimately removed. But with migrants arriving at the Southwest border from conflict zones in the Eastern Hemisphere, posing potential links to extremist or terrorist groups, the White House is now exploring ways to expedite the removal of asylum seekers viewed as a possible threat to the American public. 

“Encounters with migrants from Eastern Hemisphere countries—such as China, India, Russia, and western African countries—in FY 2024 have decreased slightly from about 10 to 9 percent of overall encounters, but remain a higher proportion of encounters than before FY 2023,” according to the Homeland Threat Assessment, a public intelligence document released earlier this month. 

A senior homeland security official told reporters in a briefing Wednesday, that the U.S. is engaged in an “ongoing effort to try to make sure that we can use every bit of available information that the U.S. government has classified and unclassified, and make sure that the best possible picture about a person seeking to enter the United States is available to frontline personnel who are encountering that person.”

Approximately 139 individuals flagged by the FBI’s terror watchlist have been encountered at the U.S.‑Mexico border through July of fiscal year 2024. That number decreased from 216 during the same timeframe in 2023. CBP encountered 283 watchlisted individuals at the U.S.-Canada border through July of fiscal year 2024, down from 375 encountered during the same timeframe in 2023.

“I think one of the features of the surge in migration over recent years is that our border personnel are encountering a much more diverse and global population of individuals trying to enter the United States or seeking to enter the United States,” a senior DHS official said. “So, at some point in the past, it might have been primarily a Western Hemisphere phenomenon. Now, our border personnel encounter individuals from around the world, from all parts of the world, to include conflict zones and other areas where individuals may have links or can support ties to extremist or terrorist organizations that we have long-standing concerns about.”

In April, FBI Director Christopher Wray warned that human smuggling operations at the southern border were trafficking in people with possible connections to terror groups.

“Looking back over my career in law enforcement, I’d be hard-pressed to think of a time when so many different threats to our public safety and national security were so elevated all at once, but that is the case as I sit here today,” Wray, told Congress in June, just days before most of the Tajik men were arrested.

The expedited return of three Tajiks to Central Asia required tremendous diplomatic communication, facilitated by the State Department, U.S. officials said.  

Returns to Central Asia routinely encounter operational and diplomatic hurdles, though regular channels for removal do exist. According to agency data, in 2023, ICE deported only four migrants to Tajikistan.

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Here Comes the Sun: Ralph Macchio and more

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Here Comes the Sun: Ralph Macchio and more – CBS News


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Actor Ralph Macchio sits down with Lee Cowan to discuss the sixth and final season of “Cobra Kai.” Then, Tracy Smith visits The Broad museum in Los Angeles to learn about Mickalene Thomas’ exhibition “All About Love.” “Here Comes the Sun” is a closer look at some of the people, places and things we bring you every week on “CBS Sunday Morning.”

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The Depraved Heart Murder – CBS News

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A surgeon is accused of drugging his girlfriend in order to control her. “48 Hours” contributor Nikki Battiste reports.

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