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Stalkerware: What to do if you're the target

Stalkerware: What to do if you're the target

This article discusses domestic violence. CNET would like to remind readers that browsing histories, including this story, can be monitored and are impossible to completely clear. If you need help, please call the National Domestic Violence Hotline at 1-800-799-7233.

Things got weird at the end of Allie's relationship with her boyfriend. One night, he seemed to know where she'd been when she was out without him, and another night he started talking about something she'd recently read on her personal computer at home, where she lived alone. 

At the beginning of their relationship, he said he had cyberstalked a past girlfriend, but he assured her that those days were behind him. Now Allie, who asked to use a pseudonym out of concern for her safety, wondered if her soon-to-be-ex boyfriend was spying on her.

"I thought I was going nuts because I was pretty sure I hadn't shared that information," said Allie, who ditched her laptop and phone rather than find out what software her ex might have installed on them. "In hindsight, it was subtle intimidation."

The paranoia that Allie felt is becoming a sadly common experience. It's jaw-droppingly easy for someone to buy and install intrusive apps, known as stalkerware, on someone else's device. The apps are plentiful, according to antivirus software firms that track their prevalence. A recent Harris poll conducted with antivirus firm NortonLifeLock found that one in 10 people admit to using stalkerware to track a partner or ex-partner. The apps are so simple that some people on TikTok have posted 60-second tutorials on how to use them.

The software works on computers but has become especially powerful to use on phones, turning the gadgets into all-seeing surveillance devices that reveal location data as well as emails, web browsing histories and more. Stalkerware on smartphones can lead domestic abusers to partners who may be in hiding. The apps give heightened control to abusers whose partners haven't left, making escape harder to manage. Stalkerware apps have been tied to horrible acts of violence.

There can be legitimate reasons to use tracking apps, such as monitoring children's phones, or monitoring employees (with their consent). However, the distinction between these apps and what's often called stalkerware is blurry. Many apps bill themselves as legitimate monitoring apps but can offer staggering amounts of information from targets' phones and can operate completely undetected. The reality is that these apps get abused by people who spy on adults without their consent, according to law enforcement officials and to domestic-violence and legal experts. 

You might at some point worry you have stalkerware on your phone or laptop. It isn't easy to decide what to do about it, domestic-violence experts say, because your partner or ex might become more dangerous if you delete the software on your device. But there are steps you can take to learn more about the software and whether it's on your device.

What is stalkerware?

Stalkerware refers to a broad group of apps that someone else can install on your device to intercept texts and phone calls, access your location, log your web browsing activity and turn on your camera or microphone. The information gathered by such an app typically gets sent to a portal or companion app accessed by the person who installed the stalkerware. 

The apps can be installed on all kinds of phones, though it's a bit more complex to get stalkerware working on iPhones. The person installing stalkerware typically has to get physical access to the user's phone to install an app. A big exception to this is if the person installing stalkerware has the target's iCloud credentials, allowing them to access backups of the other person's phone.

Is stalkerware illegal?

Surreptitious spying on your devices without your consent is illegal. So is stalking. Additionally, the apps usually violate the policies for apps sold on stores run by Google and Apple, and they're frequently taken down from those stores.

People still install them on other people's phones, though, finding the apps for sale on the app makers' websites instead of an app store, and at times undermining the foundational security of a target's phone by jailbreaking it. The apps are often sold as child or employee monitoring services, but they're ripe for abuse because they can run undetected on a device, say law enforcement officials and domestic-violence experts.

There have been prosecutions of people who used stalkerware, but they're uncommon. 

How do I know if my phone has stalkerware?

That can be hard. The software often disguises itself, either by displaying an innocuous icon (like a battery monitor), or by not displaying an icon at all, says Kevin Roundy, technical director at the NortonLifeLock research group.

While researching stalkerware apps, Roundy identified other categories of apps that often work in concert with the intrusive software. One of these is an app-hiding app, which can remove the icon of a stalkerware app from your screen.

Even if an app's icon is hidden on your phone, it should show up in your settings as an item in the list of applications running on your device. The app still probably won't have a label that immediately identifies it as stalkerware, Roundy says, so look for any app you don't recognize. You can look up any unusual looking apps online on another device to see if you can find more information about them.

An additional step is using antivirus software on your phone, if you use an Android device. (There isn't any antivirus software available for iPhones.) Antivirus software from Kaspersky, Malwarebytes and NortonLifeLock all scan for the software and warn users if they find known stalkerware apps.

You can also take your device to a local police department. Resources and training vary from place to place, so it's not guaranteed that someone will be able to help you. Still, some departments have officers who specialize in domestic violence and have training in scanning devices for software, and they may be able to assist.

Should I delete stalkerware?

Deleting the app is an option to consider, but you should make the decision carefully. Deleting stalkerware apps might put you in even more danger if it prompts your partner or ex to engage in even scarier behavior.

Erica Olsen, who directs the safety net project at the National Network to End Domestic Violence, says deleting the app sends a message to the person who installed it: I know you did this, and now you don't have control over my device anymore. The loss of control, and the fear that they might be held accountable for installing stalkerware, can lead some people to "escalate the violence, or change stealth stalking to an assault," Olsen said.

These concerns are why multiple antivirus companies don't automatically delete stalkerware from their users' phones. 

"The decision has to be theirs," Tara Hairston, Kaspersky's head of government relations for North America, said of targets of stalkerware, "because there is unfortunately that risk."

How to delete, destroy or replace

You may decide any risk is worth deleting the app. In that case, there are a few routes you can take.

First, you can cut off the app's access to things like your camera and microphone, and then delete it from your phone. This process can vary, and guides for deleting specific apps exist online, sometimes even on the app-makers' websites. Deletion is the least disruptive route you can take, but it can leave you with lingering questions of whether there's anything left on your phone that can spy on you.

If you still aren't comfortable that your device is secure, you can do a factory reset. This restores your phone to the state you'd find it when it was fresh out of the box. You'll be signed out of all your accounts, and all the extra apps installed on your phone after purchase will be gone. Before you do a factory reset, it's important to back up any photos or files that you don't already have saved somewhere else.

Lastly, you can get a new device. This is a tough piece of advice for anyone to hear, especially if your finances are tight or your partner controls your spending. Still, that's what Allie says she decided to do. 

She didn't know if she'd be able to get rid of whatever software might be on her phone or computer, and she didn't think she'd be able to learn more than her former partner knew about hacking. She stopped using her devices and got new ones.

"I just wanted this guy out of my life," she said.

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Amid War in Ukraine, Should Ordinary Russians Be Banned From Trading Crypto?

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Amid War in Ukraine, Should Ordinary Russians Be Banned From Trading Crypto?

This story is part of War in Ukraine, CNET's coverage of events there and of the wider effects on the world.

As Russia's war on Ukraine intensifies, the US and its allies have continued to increase their economic pressure on the Russian government, to isolate the country further from the global financial system and debilitate its military capacity. Western allies have frozen Russian assets abroad, removed Russian banks from international banking networks and even banned all gas and oil imports, among other unprecedented penalties. But there's still growing concern that Russian President Vladimir Putin and his supporters might turn to cryptocurrencies to avoid economic sanctions.

With their ability to operate as alternatives to the traditional financial system, cryptocurrency exchanges -- digital marketplaces where you can buy and trade digital currencies -- have become an effective option both for Ukraine supporters to raise funds for relief efforts and for ordinary Russians to seek financial shelter from the economic sanctions imposed on their country.

That's why both the Ukrainian government and advocates for even further economic penalties against Russia have become increasingly vocal about the role crypto exchanges can play in the conflict. Hundreds of Western businesses, such as oil companies Shell and BP and tech players Netflix and Microsoft, have scaled back or halted their dealings in Russia since the beginning of the war. And some people argue that similarly stopping crypto operations in the country could significantly weaken Putin's hold on Russia's economy and its citizens.

"I'm asking all major crypto exchanges to block addresses of Russian users," Ukraine's vice prime minister and minister of digital transformation, Mykhailo Fedorov, tweeted Feb. 28. "It's crucial to freeze not only the addresses linked to Russian and Belarusian politicians but also to sabotage ordinary users." 

Fedorov also sent letters to eight cryptocurrency exchanges, including two of the largest by volume, Coinbase and Binance, asking them to stop offering service to Russian users out of concern digital currencies are being used to evade sanctions.

The response was swift. 

"We are not preemptively banning all Russians from using Coinbase," CEO Brian Armstrong tweeted March 3. "We believe everyone deserves access to basic financial services unless the law says otherwise." And hours after getting Fedorov's letter, a Binance spokesperson told CNBC, "We are not going to unilaterally freeze millions of innocent users' accounts. Crypto is meant to provide greater financial freedom for people across the globe. To unilaterally decide to ban people's access to their crypto would fly in the face of the reason why crypto exists."

But the CEOs of several exchanges, including some that got Fedorov's letter, said that though they'll continue to offer access to ordinary Russians, they're complying with US law in regard to sanctions. On March 7, Coinbase reportedly said that to facilitate sanctions enforcement, it had blocked more than 25,000 wallet addresses related to Russian individuals or entities thought to have engaged in illicit activity and had reported them to the US government.

"Some ordinary Russians are using crypto as a lifeline now that their currency has collapsed. Many of them likely oppose what their country is doing, and a ban would hurt them, too."

Coinbase CEO Brian Armstrong

Ukraine's request for an all-out ban on Russian users, and the unequivocal rejection from most regulated crypto exchanges, has sparked a debate about the responsibilities digital currency platforms have in an international conflict. As a growing number of Western companies decide to stop conducting business in Russia, should crypto exchanges follow suit and go beyond what they're required to do by law? And even if they did, would banning all Russian users from crypto exchanges make a difference in slowing down Russia's invasion of Ukraine?

Some crypto specialists interviewed by CNET, including executives from crypto companies and public officials working to prevent Russia from using digital assets to sidestep economic sanctions, said a full Russian ban from crypto platforms could do more harm than good in regard to ordinary Russians. And some said the volume of the whole crypto market is still too small to really help Putin's government counter the impact of Western economic penalties, even if it tried.

But other experts on the role the private sector can play in global conflicts said bringing the Russian economy to a standstill is the one nonmilitary way to thwart Putin's advance on Ukraine, and that crypto exchanges can contribute to that only if they stop operating in Russia altogether. 

Cryptocurrencies are digital assets that are recorded on a blockchain, a distributed digital ledger that can't be altered. They usually aren't backed by an underlying asset, such as fiat currency. That's why they could be an ideal safe haven amid a wave of economic sanctions. 

Why crypto exchanges won't budge on Russia

In refusing to kick ordinary Russians off their platforms, cryptocurrency exchanges argue that the move would further hurt Russian citizens who are suffering from the economic impact of the war and who might consider buying cryptocurrencies as a way to protect their financial standing.

"We all saw those photos of runs on ATMs from Russian citizens -- lines around the block in Moscow," said Todd Conklin, counselor to the deputy secretary of the US Treasury Department. "One would suspect ordinary citizens may have been looking for an alternative to the ruble." Conklin made the remarks during a March 4 webinar hosted by blockchain analytics company TRM Labs about the possibility Russia could use cryptocurrencies to avoid economic sanctions. 

The ruble, Russia's national currency, has lost nearly 50% of its value against the US dollar since the start of the year, according to Reuters. Other parts of Russia's financial system have also been impacted by the West's pressure on the country to stop its aggression on Ukraine. Digital payment services such as Apple Pay, Google Pay and Samsung Pay aren't available in Russia any longer. Visa, Mastercard and PayPal also halted operations in the country. Ordinary Russian citizens, worried that economic sanctions will devastate the Russian economy even further, have flocked to ATMs and banks, seeking to withdraw as much cash as possible before it might be too late. 

"Some ordinary Russians are using crypto as a lifeline now that their currency has collapsed," Armstrong, the Coinbase CEO, tweeted. "Many of them likely oppose what their country is doing, and a ban would hurt them, too."

As long as US crypto businesses are complying with US laws in ensuring that sanctioned individuals or entities aren't using their platforms, "crypto could be a vital lifeline for ordinary Russians to preserve their savings [and] receive familial remittances," Michael Parker said in an email. Parker is a former federal prosecutor who's now head of anti-money laundering and sanctions practice at Ferrari & Associates, a Washington, DC-based law firm.

Jesse Powell, co-founder and CEO of Kraken Exchange, another crypto platform, tweeted that though he understood the rationale behind Ukraine's request to remove all Russians from crypto exchanges, Kraken "cannot freeze the accounts of our Russian clients without a legal requirement to do so." 

"I would guess that the vast majority of crypto holders on @krakenfx are anti-war," Powell tweeted. "#Bitcoin is the embodiment of libertarian values, which strongly favor individualism and human rights."

Given the anti-authority libertarian streak that fuels so much of the cryptocurrency sector, the refusal from crypto exchange executives to stop operations in Russia isn't surprising, said Yale University professor Jeffrey Sonnenfeld, who's the president of the Chief Executive Leadership Institute, a nonprofit focused on CEO leadership and corporate governance.

Crypto executives don't like "being told what to do," Sonnenfeld said. "And yet, there's a striking naivete [in] that they are working in support of [Putin], the greatest autocrat alive today, the most restricted world leader, [who] they are tacitly supporting by enabling a bypass, if it's even for the cognoscenti, for elites and for oligarchs, if it was as limited as some claim."

Sonnenfeld said that the reason more than 300 Western companies have pulled out of Russia so far isn't that the government told them to do so. "It's the maverick streak of these CEOs who pulled out and started this thundering herd," he said, "courageous CEOs who had the moral character to pull out."

What a full ban on Russia would and wouldn't do

Some specialists said that blocking all Russians from crypto would not only potentially inflict damage on millions of innocent citizens, but it would also do little to amplify the West's sanctions on Russia's economy. The reason? Russia doesn't have the digital infrastructure to tap into crypto assets at a level required to outmaneuver the economic penalties already imposed by the US and its allies.

"You can't flip a switch overnight and run a G20 economy on cryptocurrency," Conklin said during the webinar hosted by blockchain intelligence company TRM. He explained that in recent years, Russia has worked to bolster the ruble and build up its reserves, instead of laying the rails needed to support crypto. That's why US economic sanctions have been focused on preventing Russia from accessing the reserves it keeps overseas. "Big banks in an economy need real liquidity," Conklin said. "Conducting large-scale transactions in virtual currency is likely to be slow and expensive."

Anthony Citrano, founder of Los Angeles-based NFT platform Acquicent, pointed to crypto prices as a clue to what's going on. "If the Russian government really were using crypto as a major piece of their international finance strategy, you'd expect to see absolutely explosive growth in prices of major crypto [currencies]," he said, "which we have not seen. Time will tell, but for now there is zero evidence this is happening."

"If you can show [Putin] to be truly impotent over the economy, that he doesn't have control over civil society, then he and the oligarchs fall flat on their face, and that's what cryptocurrency mavericks can do."

Yale University professor Jeffrey Sonnenfeld

Former federal prosecutor Ari Redbord, who's now head of legal and government affairs at TRM, said the economic sanctions levied so far have been so "serious and so draconian in their measures" that Russia would need much more than crypto assets to counterbalance them. "We're talking about [the] potential loss of, or no access to, hundreds of billions of dollars in frozen [Russian] Central Bank assets. We're talking about $1.5 trillion in potential trade losses," he said. "The entire crypto market cap doesn't approach what ultimately Russia would need to prop up a G20 [economy] government and fight what is going to become a more and more costly war."

But that doesn't mean the Russian government or Putin's supporters won't try to use crypto to circumvent economic sanctions. "Russian actors are very adept at money laundering and have been for a long time," Redbord said. In the case of crypto, they'll be looking for "noncompliant exchanges in order to move those funds." 

Such exchanges include platforms like Suex, which was blacklisted by the Biden administration in September for allegedly helping launder ransomware payments. TRM has identified about 340 exchanges that are either in Russia or Russia-related and don't have compliance controls in place, "and that is where illicit actors will look to move on as on-ramps and off-ramps for crypto," Redbord said.

Those digital platforms are already operating outside the law, though. For any US business, including businesses in the crypto industry, "there is still a full compliance obligation to not deal with sanctioned parties or interests in blocked property," said Parker, from Ferrari & Associates. "US crypto businesses must, and largely do, institute robust compliance programs, including advanced analytics software, to ensure legal compliance with US sanctions."

Bringing Russia to a standstill

Yale's Sonnenfeld argues that it's beside the point whether Putin and his supporters can actually get their hands on enough digital assets to offset the impact of Western sanctions. He said that by halting all operations in Russia, crypto exchanges could contribute to putting even more pressure on Putin's government, until it reaches a tipping point.

"Government-ordered sanctions have limits," Sonnenfeld said, even if they're a coordinated effort between multiple international actors, including the US, the EU, the UK, Australia, Japan and the UN. "They work best when voluntary efforts of the private sector rally."

That's what happened in South Africa in the late 1980s, Sonnenfeld said, when international pressure contributed to putting an end to apartheid, a system of institutionalized racial segregation that had ruled the country for more than 40 years. Economic sanctions imposed by the US government had an effect only when dozens of major private companies joined in. "It brought civil society to a stop/standstill," he said.

Sonnenfeld and his research team at Yale compiled a list of companies that continued operating in Russia following its invasion of Ukraine. After the publication of a Washington Post story that mentioned that McDonald's and Starbucks were on the list, both chains announced plans to stop operating in Russia. Since the list was created and made public, it now shows "over 330 companies [that] have announced their withdrawal from Russia in protest" of the Ukraine war.

For Sonnenfeld, paralyzing Russia's economy is the only nonmilitary option the West has against Putin's advances on Ukraine.

"The humanitarian thing to do is to not go with bombs and bullets, and to strangle civil society" and dissolve Putin's image of being a totalitarian with full control over all sectors, he said. "If you can show him to be truly impotent over the economy, that he doesn't have control over civil society, then he and the oligarchs fall flat on their face, and that's what cryptocurrency mavericks can do" should they decide to halt operations in Russia. "They can be really helpful here." 

Allowing ordinary Russians to have access to digital assets through crypto exchanges is "not doing anything humanitarian," Sonnenfeld said. "People should be thrown out of work, they should be out on the street" due to an economic collapse brought on by government-ordered sanctions and to private companies denying Russian citizens access to services, goods and money. "Is that cruel?" Sonnenfeld said. "No, it is better than shooting them, than bombing them -- and that's the stage we're at right now."

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Millions can't pay their car loans. Here's what to do if you're one of them

Millions can't pay their car loans. Here's what to do if you're one of them

If you've skipped a car payment or two recently -- or you worry you might have to miss an upcoming one -- you're not alone. Due to the coronavirus recession and record levels of unemployment, over 7% of all car loans in the US are currently in some sort of deferment program, according to recent data released by credit reporting agency TransUnion.

Typically, missing a car payment can damage your credit score or even lead to the bank repossessing your vehicle. However, in the wake of the recent economic turmoil brought on by the coronavirus pandemic, most lenders have streamlined their financial hardship programs and are willing to be a bit forgiving if you just ask for help.

But just like the help available with rent payments and unemployment benefits, you do have to ask. The worst thing you can do is ignore the problem and assume it'll work itself out on its own. (Scroll to the end for what else you should absolutely not do.)

Here's a look at the most current information and resources we could locate to help you deal with your car payment. We'll continue to update this story as new details emerge.

First, see what assistance your lender has to offer

You'll want to know what kinds of programs your bank, credit union or other auto loan provider may have available to you. Also, if there are any state laws that might offer some protections against repossession, you'll want to find out about those, too. 

Here are the most comprehensive resources we've been able to turn up to help with both. (If you don't see your lender on any of those lists, try contacting the company directly through its website or app.)

As businesses like this soda and candy shop in Asheville, North Carolina, start to reopen, you can bet repossession companies will be back to work, too.

Sarah Tew/CNET

Most repos occur after two or three months of no payments

If you've fallen behind (or you think you're going to fall behind) on your car payment for 90 days or longer, you may very well be at risk of having your car repossessed. Your lender may be more lenient if you've never missed a payment before, but the more often you've been late in the past, the sooner they might attempt repossession. 

One way around this, however, is a deferment or forbearance program.

What are auto loan deferment programs and how do they work?

Under normal circumstances, most lenders will report a late payment to the credit bureaus once it's at least 30 days overdue, and they'll typically come to take your vehicle away after you've missed three or more payments in a row. 

A deferment or forbearance allows you to skip between one and three payments with no late fees or penalties. After the deferment period ends, either your monthly payment will either go up slightly or your loan will be extended by about the same amount of time as the deferment.  

On the downside, interest will continue to accrue during the months you skip your payment, so you'll end up paying more for your vehicle in the long run. But on the plus side, your missed payments will not show up as negative marks on your credit report, so your credit score shouldn't take a hit.

How to talk to your bank about your options 

Most lenders' programs have been streamlined to be pretty simple to apply for. Fill out a form, possibly attach some documentation (termination letter, layoff notice, etc.), send it off to your lender and wait for an approval confirmation. If your bank doesn't have it set up that easy and you have no idea where to begin, the legal services website DoNotPay has a chatbot that can help you draft a letter to your lender.

That said, you can probably handle this on your own. Just be honest and forthcoming about your situation and realistic about how much time you'll need to get back on your feet. Generally speaking, banks would rather work with you and retain you as a customer than leave you stranded without a vehicle.

Ford is currently offering to pay six months' worth of new vehicle payments when you purchase a new car from the company.

Wayne Cunningham/CNET

What normally happens when you miss a car payment?

In most states, a lender, like your bank, can start the repossession process the day after you miss even just one payment, but most companies give their customers a grace period. Often the lender won't even charge a late fee until the payment is at least 10 days late, and most won't report it to the three major credit bureaus until it's over 30 days late. 

If you go past 30 days delinquent -- and especially if you miss the next two payments in your loan cycle as well -- that's where you start treading into repossession, or repo, territory. 

How repossession works 

In most cases, your lender will contract with a third-party agency that specializes in repossessions. That company will use whatever information it can get -- your home and work addresses, for example -- to track down the vehicle and tow it to a secured, usually gated lot. It does not need your car keys to take your car. 

The repo company will then charge your bank for towing the vehicle, as well as a daily storage fee, usually around $25 to $75 per day. Unless you happened to have left your keys in the car, the repo company will also contract a locksmith to make a new set of keys -- then charge your bank for that service, too. When all is said and done, you'll owe anywhere from a few hundred to over a thousand dollars in charges, which you'll still be liable for whether you get your car out of repo or not. 

If you quit paying your car payment, eventually a vehicle recovery service will come tow your car.

Andrew Hoyle/CNET

Are car repossession companies even open right now?

The auto repossession industry never quite figured out whether repo companies, many of which laid off dozens of employees early on in the pandemic, were even allowed to operate in areas under strict shelter-in-place orders. The Association of Credit and Collection Professionals, a lobbying group for debt collectors, has argued that debt collection is an essential service, but lawmakers have yet to chime in.

However, as most US cities are far along in the process of reopening and orders shuttering nonessential businesses have mostly been lifted, you can probably bet that repo companies will be up and running as soon as they can be.

Your rights vs. the bank's rights 

In pretty much every instance your bank does not need a court order to attempt to repossess your car. You can view a list of every state's specific automobile repossession laws here, but generally speaking, your lending institution (or a company it hires) has the right to come onto your property and take the car so long as no one commits a "breach of the peace."

That means its representatives can't break into a locked garage, through a locked gate or otherwise use physical force against you or your property to take possession of your vehicle. They can, however, follow you to work, for example, or the grocery store, and wait until you leave your car unattended. 

How to get your car out of repo -- and what happens if you don't 

What if it's too late and your car has already been repoed? Many states have laws on the books about how long and under what conditions lenders must allow you the opportunity to get your vehicle back, but the terms aren't exactly favorable, especially if you're in the kind of financial situation that led to repo in the first place.

Generally, the law only compels lenders to release your car if you pay off the loan plus any towing and storage charges that have accrued. In practice, however, most lenders are willing to give your car back if you can at least catch up with your late payments (and, of course, even up with the repo company as well). 

One option if you're struggling to pay your car payment is to try and sell your car for cash to pay off the loan, but that won't work if you owe more than the car is worth.

Sarah Tew/CNET

If you leave your vehicle in repo, either because you can't afford to get it out or you just decide it's not worth it, you're still not completely off the hook. The bank will likely auction off your car to the highest bidder, then apply the revenue from that sale to your remaining balance, including repossession charges. If that doesn't cover your entire debt, the bank can come after you for the remainder, including handing your account over to a collection agency and reporting the delinquency to the credit bureaus. 

You have a few wild-card options as well 

If you're at risk of having your car or truck repossessed, there are other options available besides deferment, but none quite as simple or easy. You could do what's called a "voluntary repossession," where you contact your lender and indicate your desire to turn your vehicle over to it. Your credit will take a hit and you'll be liable for any outstanding debt the bank fails to recoup at auction, but the overall impact to both your credit score and pocketbook will be less than if you wait for the bank to forcibly repo your car.

You can refinance your car for a lengthier loan term with a lower monthly payment, but that will only work if you've already paid off a substantial amount of the principal. If you've only had your car loan for a year or two, you might actually still owe more than it's worth. Also, your credit has to be good enough for a bank to underwrite a new loan for you, which may or may not be the case anymore. 

You could also try to sell your car on the open market, or trade it in for something less expensive, but again, with the economy now in a full-blown recession, neither of these options seems very compelling.

What you absolutely should not do 

Whatever you do, don't try to hide your car from your bank or the repo company. For one, you're probably not going to beat them at their own game, and the longer it takes to find it (and the more difficult you make it), the more they're going to charge you for their services in the end. 

Stop! Don't just sit back and wait until the bank repos your car. Be proactive and ask and your lender may be able to help.

Shara Tibken/CNET

And don't just stop paying your loan and hope for the best. Whether or not lawmakers decide the repo industry performs an "essential" function, or if the repo man has to wait for a treatment or vaccine like the rest of us before getting back to work, eventually your delinquency will catch up with you. With banks demonstrating some compassion right now for those who've suffered financial hardship, you might as well take advantage of one of their relief programs while you can. 

Chances are if you're worried about making your car payment, you have other bills keeping you up at night, too. Here's what you need to know about rent relief during the pandemic, as well as what assistance is available if you have a mortgage. For taxes, credit cards and everything else, here's what other financial help is available.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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Apple TV Plus: Every New TV Show Arriving in September

Apple TV Plus: Every New TV Show Arriving in September

Apple TV Plus  is one of the newer streaming platforms vying for your attention, and there's good reason to start watching. It's stocked with big names and some hit shows, from the first season of Severance to the heartwarmingly adorable Ted Lasso to Reese Witherspoon's Emmy-winning drama The Morning Show.

Like rivals Netflix, Hulu and Amazon Prime Video, Apple TV Plus is filled with exclusive, original content. But unlike the other services, Apple streams only content it has made itself. That meant that when the service launched in November 2019, the catalog wasn't huge, but it's filling out fast.

Here's what's coming to the streaming service this month, followed by our guide to some of the best TV shows on Apple TV Plus.

Read more: Apple TV Plus: Everything to Know About Apple's Streaming Service 

What's new this month

Here's every show coming out in September.

September 2

• Life by Ella (2022- ): A series about a teenage girl named Ella who is bouncing back from cancer and ready to embrace life.
  

September 9

• Central Park, season 3 (2020-): An animated show about a family who lives in Central Park and try to save it from a developer. 
• Gutsy (2022): This documentary series follows Hilary and Chelsea Clinton as they meet "the world's bravest and boldest women."

September 16

• Sago Mini Friends (2022): An animated series for young kids about being thankful.

September 30

• Wolfboy and the Everything Factory, season 2 (2021-): An animated fantasy series for kids about the adventures of a boy in the "magical spryte realm of the Everything Factory." It's executive produced by Joseph Godron-Levitt.

Best Apple TV Plus series

Apple

Loot (2022-)

After Molly Wells (Maya Rudolph) catches her tech billionaire husband (Adam Scott) of 20 years cheating on her, she divorces him and ends up with not only $87 million, but a question of what to do with her life. The answer? Get involved with a philanthropic foundation she didn't even know she had. Along the way, she finds grounding with her new coworkers -- but not without plenty of comedic, out-of-touch-millionaire flaps along the way. The show was co-created by Alan Yang, who was also involved in Parks and Rec and Master of None. 

Apple

Home Before Dark (2020- )

Inspired by the reporting of real-life journalist Hilde Lysiak, Home Before Dark follows the story of a young girl who moves from Brooklyn to a small lakeside town. It starts slow but features some strong central performances, particularly in the lead role.

Apple

Truth Be Told (2019- )

Truth Be Told is a drama for true-crime fans, riding the recent trend of crime podcasts in a fictionalized form. Octavia Spencer and Aaron Paul play a podcaster and a prisoner united by a horrific crime years before, kicking off a whodunit that draws in both their families in an entertaining mix of a character-driven drama like Big Little Lies with true-crime stories like Making a Murderer and The Staircase. 

Apple

Servant (2019- )

Sixth Sense director M. Night Shyamalan brings his brand of creepy domestic drama to episodic TV in Servant, created and written by Tony Basgallop. After a devastating loss, two bereaved parents adopt a hyperrealistic baby doll to help them tackle their grief, but danger and deception lurks in the nursery.

Apple TV Plus

The Afterparty (2022- )

A comedic murder mystery in the same vein as Rian Johnson's 2019 film Knives Out, The Afterparty is a star-packed whodunnit that will keep you guessing and laughing with each episode. Tiffany Haddish, Dave Franco, Ilana Glazer, Ben Schwartz and more lend their talents to the show. If you're one to opt for a mystery-comedy mixture, The Afterparty should shoot right to the top of your to-stream list.

Severance (2022- )

This show has a fascinating premise: People can choose to undergo a procedure called severance, which separates their work-related and personal memories. Adam Scott's character spends eight hours of the day in a sanitized, strikingly white office space with no recollection of his outside life. Soon, a former co-worker shows up with a warning about the strange company. A mind-bending and suspenseful sci-fi thriller -- enjoying Severance is no work at all. 

Apple TV Plus

The Shrink Next Door (2021)

In my book, any show that casts both Will Ferrell and Paul Rudd as its leads is already doing something very right. In the drama miniseries The Shrink Next Door, Ferrell and Rudd play characters on opposite ends of the personality spectrum -- Ferrell is a sniffling, timid textile business owner, and his co-star is an egotistic therapist with manipulative tendencies. When the two are together, the result is both unsettling and tantalizing, making The Shrink Next Door something you'll want to check out for yourself. 

Apple

Ted Lasso (2020- )

You don't need to like sports to love comedy series Ted Lasso. Produced by the show's Golden Globe-winning star Jason Sudeikis with Scrubs creator Bill Lawrence, it follows relentlessly upbeat American coach Ted Lasso as he takes charge of an English soccer team. Think of it as Friday Night Lights crossed with Saturday Night Live (in London). Season 2 is streaming now.

Apple

For All Mankind (2019-)

For All Mankind offers an alternate timeline of what would have happened if the Soviets had landed on the moon first. The short answer is the never-ending militarization of space, but the show is so much more expansive than that. If you're looking for a sci-fi thriller with plenty of interpersonal drama and political intrigue, For All Mankind is solid choice. 

Apple TV Plus

Tiny World (2020- )

A nature show, focused on small creatures, narrated by Ant-Man himself, Paul Rudd. Absolute genius.

Like seemingly every single one of these modern nature documentaries, Tiny World is gorgeously shot and brilliantly compelling.

Apple

Long Way Up (2020)

Ewan McGregor and Charlie Boorman get back on their bikes and head north from Argentina through South and Central America. In this sequel to the popular travel shows Long Way Round and Long Way Down, the petrolhead duo goes green. They cover 13,000 miles and 13 countries on Harley-Davidson LiveWire electric motorcycles.

Apple TV Plus

Trying (2020- )

In this British comedy, couple Nikki and Jason want to have a baby but struggle to conceive. They decide to adopt -- a process that inevitably throws new challenges their way. Trying offers charm and low-stakes fun, and it also happens to be laugh-out-loud funny. If you're in need of some lighthearted TV time, this show has you covered.

Apple

Little America (2020- )

Ordinary people dream big in Little America. A heavyweight cast tells stories of immigrants living their lives in a heartwarming anthology series packed with a mix of funny, sweet, romantic and often surprising tales.

Apple TV Plus

The Mosquito Coast (2021- )

Justin Theroux stars as Allie Fox, an oddball inventor taking his family off the grid in protest against society's failings. Apple's heavyweight drama is based on the novel by the actor's uncle Paul Theroux (previously filmed with Harrison Ford in 1986). Now season 1 has wrapped up, Apple has already renewed this modern version of The Mosquito Coast for a second season.

Apple TV Plus

Lisey's Story (2021)

Adapted by Stephen King from his own novel, Lisey's Story stars Julianne Moore as a grieving widow spookily revisiting her marriage to her late husband, a famous novelist played by Clive Owen.

Apple

Prehistoric Planet (2022)

Prehistoric Planet gives viewers a look at the world of dinosaurs. Using realistic computer-generated dinos, and structured like a nature documentary series down to the camera shots, it's easy to forget you're not watching real footage. To top is off, David Attenborough narrates. 

Apple

Mythic Quest: Raven's Banquet (2020- )

Mythic Quest: Raven's Banquet is a must for anyone with even a passing interest in video games or the industry that produces them. It's unique, funny and earnest in parts. It treads familiar territory but is well worth a watch.

Apple

Dickinson (2019-2021)

Dickinson takes the story of real-life American poet Emily Dickinson and shoehorns it into a period drama of sorts. It's hardly historically accurate -- Emily and her teenage friends act more like characters from Riverdale -- but it is entertaining.

Apple

The Morning Show (2019- )

Reese Witherspoon and Jennifer Aniston produce and star in a timely series tackling office politics in the #MeToo era, as a TV network is rocked by the indiscretions of a host played by Steve Carell. Among the compelling performances, Billy Crudup won Outstanding Supporting Actor in a Drama Series at the 2020 Emmy Awards. The award-winning drama, strong cast and timely themes make The Morning Show worth a watch.

Apple

Defending Jacob (2020)

Chris Evans stars in a dark-tinged legal drama about a family caught up in a Massachusetts murder mystery. Defending Jacob may be familiar territory, but fans of absorbing character-driven crime dramas will get sucked in.

---

Source

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How to spy on your lover, the smartphone way

How to spy on your lover, the smartphone way

Perfect. Screenshot by Chris Matyszczyk/CNET

Trust is like love.

You want to believe in it, but then your rational side kicks in and dents your faith.

Here at the Ministry of Failed Relationships, we understand this. There is nothing worse than committing yourself to someone who poses as your soulmate, only to discover that their soul has drunkenly mated with a passing half-sized halfwit.

One company has -- perhaps inadvertently -- stumbled upon a notion that might ease your worried brow. Or confirm your dearest fear. For it is now offering phones that have built-in spyware.

A sample of my chat with Karen, whom I trust completely. Screenshot by Chris Matyszczyk/CNET

mSpy created its software with a mind to, say, help parents track their unruly teens. Now, however, with the release of preloaded phones such as the HTC One, Nexus 5, Samsung Galaxy S4 and iPhone 5S, you can merely buy your lover a gift and watch it keep on giving.

So there. Screenshot by Chris Matyszczyk/CNET

Mind you, mSpy's founder, Andrei Shimanovich, told Forbes it's not actually his business how people will end up using this nifty software.

Or think of it this way: spy software doesn't spy on people, but rather people spy on other people.

Indeed, though the concept of spying has enjoyed some nuanced developments over the last few months, I was reasonably sure that spying on my lover would be illegal.

So for starters I thought I'd IM with an mSpy rep to see how easy this whole thing was. I posed as a troubled lover, and in return got what seemed to be rather canned answers.

Me: Can I really spy on my lover with this? I think she may be cheating on me.

Karen, the sales manager: You can do that once you install mSpy on her phone.

Me: Is it easy to install?

Karen: It is very easy and fast to install mSpy on the target phone.

Me: But how can I do it without her knowing?

Karen: We can walk you through installation after purchase.

I then told Karen which type of phone I'd like to track. An iPhone 5. Yes, I imagine my perfect, imaginary lover has an iPhone 5.

Karen's reply:

Dear Customer, please be advised that an iPhone must be jailbroken before the installation, but the process is very fast and easy - it takes only few minutes to jailbreak an iPhone. You can check on how to jailbreak an iPhone on http://iclarified.com/jailbreak and http://iclarified.com/jailbreak for iOS 7 +. Kindly be advised that we're the only company who assists with jailbreak. Once an iPhone is jailbroken Cydia icon will appear on the Springboard. But you can hide it after you install the app, so there will be no traces left.

I confess that there was a certain side of me that felt excited, although if I was to spy on my imaginary lover there would surely soon be no traces of the relationship left.

Moreover, the legalities were still preying on my conscience. When I asked "But how can I do it without her knowing?" I fear that my IM buddy heard only "how can I do it" and provided merely a practical response, missing the "without her knowing" portion of the question and its deeper foray into the ethics of the situation. Or maybe that was something for later in the discussion, when we got down to brass tacks.

Still curious, I wandered over to the mSpy legal agreement. It reads, in part:

It is a considered federal and/or state violation of the law in most cases to install surveillance software onto a mobile phone or other device for which you do not have proper authorization, and in most cases you are required to notify users of the device that they are being monitored. Failure to do so may result in a violation of federal or state laws, if you install this software onto a device you do not own or if you do not have proper consent to monitor the user of the device.

After these words of warning, in large blue type is, "We absolutely do not endorse the use of our software for illegal purposes."

But I always thought that all was legal in love and war.

Still, was mSpy just ever so slightly encouraging me to spy on my lover?

I've had lovers sneak into my emails and probe my phone. When I discovered them, their reply was always: "What? You thought I wouldn't? Do I look stupid?" Or expressions to that effect.

So perhaps all this spying is, indeed, quite normal. But it won't have mSpy's official seal of approval.

An mSpy spokeswoman told me:

mSpy does advocate notifying users of the device that they are being monitored. During the installation stage (which had yet to be approached), users need to tick off a few boxes confirming that they have informed the monitored party and got his/her consent. As well, customer services representatives are required to share with you this information as you navigate the process. mSpy's disclaimer clearly state that we do not approve of the illegal use of our software and in the case when the legal breach has been identified we will cooperate with relevant authorities, if required.

I leave all this, therefore, to your conscience, just as I leave national security to the consciences of those who direct it.

Most people will admit that they'd dearly wished they had evidence to back up their suspicions, when they thought their lovers were less than faithful.

But those suspicions in themselves surely described the truth of the relationship.

The difficulty, of course, is waiting for that truth to emerge. Some wait for days, months or even years to discover that what they'd feared was true. Or, more painfully, to discover that the truth was even worse than they'd feared.

Spying can never save a relationship. All it can save is time.

---

Source

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How to spy on your lover, the smartphone way

How to spy on your lover, the smartphone way

Perfect. Screenshot by Chris Matyszczyk/CNET

Trust is like love.

You want to believe in it, but then your rational side kicks in and dents your faith.

Here at the Ministry of Failed Relationships, we understand this. There is nothing worse than committing yourself to someone who poses as your soulmate, only to discover that their soul has drunkenly mated with a passing half-sized halfwit.

One company has -- perhaps inadvertently -- stumbled upon a notion that might ease your worried brow. Or confirm your dearest fear. For it is now offering phones that have built-in spyware.

A sample of my chat with Karen, whom I trust completely. Screenshot by Chris Matyszczyk/CNET

mSpy created its software with a mind to, say, help parents track their unruly teens. Now, however, with the release of preloaded phones such as the HTC One, Nexus 5, Samsung Galaxy S4 and iPhone 5S, you can merely buy your lover a gift and watch it keep on giving.

So there. Screenshot by Chris Matyszczyk/CNET

Mind you, mSpy's founder, Andrei Shimanovich, told Forbes it's not actually his business how people will end up using this nifty software.

Or think of it this way: spy software doesn't spy on people, but rather people spy on other people.

Indeed, though the concept of spying has enjoyed some nuanced developments over the last few months, I was reasonably sure that spying on my lover would be illegal.

So for starters I thought I'd IM with an mSpy rep to see how easy this whole thing was. I posed as a troubled lover, and in return got what seemed to be rather canned answers.

Me: Can I really spy on my lover with this? I think she may be cheating on me.

Karen, the sales manager: You can do that once you install mSpy on her phone.

Me: Is it easy to install?

Karen: It is very easy and fast to install mSpy on the target phone.

Me: But how can I do it without her knowing?

Karen: We can walk you through installation after purchase.

I then told Karen which type of phone I'd like to track. An iPhone 5. Yes, I imagine my perfect, imaginary lover has an iPhone 5.

Karen's reply:

Dear Customer, please be advised that an iPhone must be jailbroken before the installation, but the process is very fast and easy - it takes only few minutes to jailbreak an iPhone. You can check on how to jailbreak an iPhone on http://iclarified.com/jailbreak and http://iclarified.com/jailbreak for iOS 7 +. Kindly be advised that we're the only company who assists with jailbreak. Once an iPhone is jailbroken Cydia icon will appear on the Springboard. But you can hide it after you install the app, so there will be no traces left.

I confess that there was a certain side of me that felt excited, although if I was to spy on my imaginary lover there would surely soon be no traces of the relationship left.

Moreover, the legalities were still preying on my conscience. When I asked "But how can I do it without her knowing?" I fear that my IM buddy heard only "how can I do it" and provided merely a practical response, missing the "without her knowing" portion of the question and its deeper foray into the ethics of the situation. Or maybe that was something for later in the discussion, when we got down to brass tacks.

Still curious, I wandered over to the mSpy legal agreement. It reads, in part:

It is a considered federal and/or state violation of the law in most cases to install surveillance software onto a mobile phone or other device for which you do not have proper authorization, and in most cases you are required to notify users of the device that they are being monitored. Failure to do so may result in a violation of federal or state laws, if you install this software onto a device you do not own or if you do not have proper consent to monitor the user of the device.

After these words of warning, in large blue type is, "We absolutely do not endorse the use of our software for illegal purposes."

But I always thought that all was legal in love and war.

Still, was mSpy just ever so slightly encouraging me to spy on my lover?

I've had lovers sneak into my emails and probe my phone. When I discovered them, their reply was always: "What? You thought I wouldn't? Do I look stupid?" Or expressions to that effect.

So perhaps all this spying is, indeed, quite normal. But it won't have mSpy's official seal of approval.

An mSpy spokeswoman told me:

mSpy does advocate notifying users of the device that they are being monitored. During the installation stage (which had yet to be approached), users need to tick off a few boxes confirming that they have informed the monitored party and got his/her consent. As well, customer services representatives are required to share with you this information as you navigate the process. mSpy's disclaimer clearly state that we do not approve of the illegal use of our software and in the case when the legal breach has been identified we will cooperate with relevant authorities, if required.

I leave all this, therefore, to your conscience, just as I leave national security to the consciences of those who direct it.

Most people will admit that they'd dearly wished they had evidence to back up their suspicions, when they thought their lovers were less than faithful.

But those suspicions in themselves surely described the truth of the relationship.

The difficulty, of course, is waiting for that truth to emerge. Some wait for days, months or even years to discover that what they'd feared was true. Or, more painfully, to discover that the truth was even worse than they'd feared.

Spying can never save a relationship. All it can save is time.

---

Source

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