NBC News
NBC News 12 Apr 2020

How To Lower Your Bills During The Coronavirus Crisis

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Many companies and lenders say they're willing to help out during the coronavirus pandemic, which forced millions of Americans out of work. One simple phone call could save you hundreds of dollars a month. NBC News Senior Business Correspondent Stephanie Ruhle explains how.


Employees of San Francisco-based Recology know their job collecting recycling is even more dangerous during the coronavirus pandemic. They've seen an uptick in volume as Americans get their essentials delivered while staying home.
The coronavirus has upended the lives of hundreds of millions of children around the world. In many countries, kids have been cooped up at home for weeks, forcing parents to become educators, while working their regular jobs. Now as restrictions begin to be lifted, for many kids in Europe, it's back to school. But what can they expect when they return?
Restaurants around the world are figuring how to safely welcome back customers during the coronavirus pandemic. Many eateries will have staff wear masks and gloves, while others are getting creative with stuffed animals filling seats or glass houses surrounding diners.
Sky News' Ed Conway outlines how one in ten of people living in care homes in the UK have died during the coronavirus outbreak.

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ARE SURPRISINGLY SIMPLE WAYS YOU CAN SLASH YOUR BILLS
SIMPLE WAYS YOU CAN SLASH YOUR BILLS DURING THIS CRISIS.
SLASH YOUR BILLS DURING THIS CRISIS. SENIOR CORRESPONDENT
DURING THIS CRISIS. SENIOR CORRESPONDENT STEPHANIE RUHL SHOWS
SENIOR CORRESPONDENT STEPHANIE RUHL SHOWS US HOW.
STEPHANIE RUHL SHOWS US HOW. >> Reporter: ACROSS
US HOW. >> Reporter: ACROSS THE COUNTRY THE $1,200
>> Reporter: ACROSS THE COUNTRY THE $1,200 STIMULUS CHECKS
THE COUNTRY THE $1,200 STIMULUS CHECKS STARTED ARRIVING IN
STIMULUS CHECKS STARTED ARRIVING IN AMERICA’S BANKING
STARTED ARRIVING IN AMERICA’S BANKING ACCOUNTS.
AMERICA’S BANKING ACCOUNTS. FOR THE MILLIONS OUT
ACCOUNTS. FOR THE MILLIONS OUT OF WORK, IT’S NOT
FOR THE MILLIONS OUT OF WORK, IT’S NOT NEARLY ENOUGH.
OF WORK, IT’S NOT NEARLY ENOUGH. >> HOW DO YOU FEEL
NEARLY ENOUGH. >> HOW DO YOU FEEL RIGHT NOW?
>> HOW DO YOU FEEL RIGHT NOW? >> DRAINED.
RIGHT NOW? >> DRAINED. I AM TIRED.
>> DRAINED. I AM TIRED. I I DON’T SLEEP.
I AM TIRED. I I DON’T SLEEP. I’M THINKING OF PAYING
I I DON’T SLEEP. I’M THINKING OF PAYING MY MEDICAL PAYMENTS
I’M THINKING OF PAYING MY MEDICAL PAYMENTS WITH MY CREDIT CARDS
MY MEDICAL PAYMENTS WITH MY CREDIT CARDS NOW, BECAUSE I DON’T
WITH MY CREDIT CARDS NOW, BECAUSE I DON’T KNOW HOW ELSE TO PAY
NOW, BECAUSE I DON’T KNOW HOW ELSE TO PAY IT.
KNOW HOW ELSE TO PAY IT. >> Reporter: SHE IS A
IT. >> Reporter: SHE IS A MUSICIAN AND AN
>> Reporter: SHE IS A MUSICIAN AND AN ADJUNCT PROFESSOR AT
MUSICIAN AND AN ADJUNCT PROFESSOR AT KORNELL UNIVERSITY,
ADJUNCT PROFESSOR AT KORNELL UNIVERSITY, ALL OF HER OR KISS TER
KORNELL UNIVERSITY, ALL OF HER OR KISS TER GIG -- ORCHESTRA GIGS
ALL OF HER OR KISS TER GIG -- ORCHESTRA GIGS ARE CAN SELLED.
GIG -- ORCHESTRA GIGS ARE CAN SELLED. >> THAT’S HALF OF MY
ARE CAN SELLED. >> THAT’S HALF OF MY INCOME.
>> THAT’S HALF OF MY INCOME. >> Reporter: THE REST
INCOME. >> Reporter: THE REST OF HER INCOME ENDS IN
>> Reporter: THE REST OF HER INCOME ENDS IN WEEKS.
OF HER INCOME ENDS IN WEEKS. THE BILLS, HOWEVER,
WEEKS. THE BILLS, HOWEVER, SEEMS UNENDING.
THE BILLS, HOWEVER, SEEMS UNENDING. THERE ARE STEPS TO
SEEMS UNENDING. THERE ARE STEPS TO SLOW THEM.
THERE ARE STEPS TO SLOW THEM. >> GIVEN INTEREST
SLOW THEM. >> GIVEN INTEREST RATES ARE SO SLOW IT
>> GIVEN INTEREST RATES ARE SO SLOW IT MIGHT MAKE SENSE TO
RATES ARE SO SLOW IT MIGHT MAKE SENSE TO REACH OUT TO YOUR
MIGHT MAKE SENSE TO REACH OUT TO YOUR CREDIT CARD COMPANIES
REACH OUT TO YOUR CREDIT CARD COMPANIES INQUIRING THEM LOW
CREDIT CARD COMPANIES INQUIRING THEM LOW LOWERING YOUR RATES.
INQUIRING THEM LOW LOWERING YOUR RATES. >> OKAY.
LOWERING YOUR RATES. >> OKAY. I’LL DO THAT.
>> OKAY. I’LL DO THAT. >> MANY LENDERS SAY
I’LL DO THAT. >> MANY LENDERS SAY THEY’RE WILLING.
>> MANY LENDERS SAY THEY’RE WILLING. YOU JUST HAVE TO ASK.
THEY’RE WILLING. YOU JUST HAVE TO ASK. SO SHE WENT ON A
YOU JUST HAVE TO ASK. SO SHE WENT ON A CALLING FREE SPREE.
SO SHE WENT ON A CALLING FREE SPREE. >> I’D LIKE TO TALK TO
CALLING FREE SPREE. >> I’D LIKE TO TALK TO SOMEBODY I GOT A LOT
>> I’D LIKE TO TALK TO SOMEBODY I GOT A LOT MORE CONFIDENCE.
SOMEBODY I GOT A LOT MORE CONFIDENCE. I CALLED.
MORE CONFIDENCE. I CALLED. IT WAS AMAZING.
I CALLED. IT WAS AMAZING. >> Reporter: SHE WAS
IT WAS AMAZING. >> Reporter: SHE WAS ABLE TO GET HER CABLE
>> Reporter: SHE WAS ABLE TO GET HER CABLE BILL DOWN BY $70 AND
ABLE TO GET HER CABLE BILL DOWN BY $70 AND HAD BIGGER SUCCESS
BILL DOWN BY $70 AND HAD BIGGER SUCCESS WITH CAR PAYMENTS.
HAD BIGGER SUCCESS WITH CAR PAYMENTS. >> IT WAS LESS THAN 24
WITH CAR PAYMENTS. >> IT WAS LESS THAN 24 HOURS AGO.
>> IT WAS LESS THAN 24 HOURS AGO. I LEFT A MESSAGE, A
HOURS AGO. I LEFT A MESSAGE, A WONDERFUL, FRIENDLY
I LEFT A MESSAGE, A WONDERFUL, FRIENDLY MESSAGE CALLED ME,
WONDERFUL, FRIENDLY MESSAGE CALLED ME, SAYS, YEP, FOR THE
MESSAGE CALLED ME, SAYS, YEP, FOR THE NEXT THREE MONTHS, WE
SAYS, YEP, FOR THE NEXT THREE MONTHS, WE WILL NOT TAKE YOUR
NEXT THREE MONTHS, WE WILL NOT TAKE YOUR AUTOMATED PAYMENT OUT.
WILL NOT TAKE YOUR AUTOMATED PAYMENT OUT. >> THAT’S $470s A
AUTOMATED PAYMENT OUT. >> THAT’S $470s A MONTH SHE WAS ABLE TO
>> THAT’S $470s A MONTH SHE WAS ABLE TO DEFER.
MONTH SHE WAS ABLE TO DEFER. >> SPEAK TO A
DEFER. >> SPEAK TO A REPRESENTATIVE.
>> SPEAK TO A REPRESENTATIVE. >> Reporter: WHEN IT
REPRESENTATIVE. >> Reporter: WHEN IT CAME TO HER CREDIT
>> Reporter: WHEN IT CAME TO HER CREDIT CARD, SHE WAS OFFERED
CAME TO HER CREDIT CARD, SHE WAS OFFERED SOMETHING EVEN BETTER.
CARD, SHE WAS OFFERED SOMETHING EVEN BETTER. >> OH, REAL LIP, YOU
SOMETHING EVEN BETTER. >> OH, REAL LIP, YOU CAN DO THAT FOR ME
>> OH, REAL LIP, YOU CAN DO THAT FOR ME RIGHT NOW?
CAN DO THAT FOR ME RIGHT NOW? >> Reporter: SHE WON’T
RIGHT NOW? >> Reporter: SHE WON’T HAVE TO PAY DOWN HER
>> Reporter: SHE WON’T HAVE TO PAY DOWN HER CARD BALANCE AT ALL
HAVE TO PAY DOWN HER CARD BALANCE AT ALL FOR TWO MONTHS, SAVING
CARD BALANCE AT ALL FOR TWO MONTHS, SAVING HER ANOTHER $250 THIS
FOR TWO MONTHS, SAVING HER ANOTHER $250 THIS MONTH ALONE.
HER ANOTHER $250 THIS MONTH ALONE. EXPERTS SAY THE KEYS
MONTH ALONE. EXPERTS SAY THE KEYS ARE PATIENCE.
EXPERTS SAY THE KEYS ARE PATIENCE. IT’S GOING TO TAKE
ARE PATIENCE. IT’S GOING TO TAKE TIME TO GET THROUGH
IT’S GOING TO TAKE TIME TO GET THROUGH AND KINDNESS.
TIME TO GET THROUGH AND KINDNESS. >> THANK YOU VERY
AND KINDNESS. >> THANK YOU VERY MUCH.
>> THANK YOU VERY MUCH. IF YOU ARE SOMEBODY
MUCH. IF YOU ARE SOMEBODY WHO IS HONEST AND
IF YOU ARE SOMEBODY WHO IS HONEST AND FRIENDLY AND HELPFUL,
WHO IS HONEST AND FRIENDLY AND HELPFUL, THEN THEY’LL GO OUT OF
FRIENDLY AND HELPFUL, THEN THEY’LL GO OUT OF THEIR WAY TO DIG
THEN THEY’LL GO OUT OF THEIR WAY TO DIG THROUGH AND FIND A
THEIR WAY TO DIG THROUGH AND FIND A ESPECIALLY GOOD
THROUGH AND FIND A ESPECIALLY GOOD DISCOUNTS FOR YOU.
ESPECIALLY GOOD DISCOUNTS FOR YOU. >> I WANT TO THANK YOU
DISCOUNTS FOR YOU. >> I WANT TO THANK YOU AGAIN, I CAN’T THANK
>> I WANT TO THANK YOU AGAIN, I CAN’T THANK YOU ENOUGH FOR WHAT
AGAIN, I CAN’T THANK YOU ENOUGH FOR WHAT YOU HAVE DONE FOR ME.
YOU ENOUGH FOR WHAT YOU HAVE DONE FOR ME. >> Reporter: IT’S KNOT
YOU HAVE DONE FOR ME. >> Reporter: IT’S KNOT JUST CREDIT CARDS, NAY

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