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At this time the United States is in panic mode. The infamous COVID-19 virus has spread globally and unfortunately will not be slowing down anytime soon. Across the nation governors and mayors have declared state of emergency and enforced curfews to reduce the spread of the virus. The American economy is facing hits. A recession is on the horizon. Retail stores, restaurants, and movie theaters, as well as schools have closed down. With less work hours and unemployment on the rise many people are out of work. Although the government is stepping in to provide a stimulus package and suspend bills to help families. It would be smart to stay ahead of the curve because when those grace periods ends those bills will be due again.

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