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The mystery isn’t why so many people file for bankruptcy each year. It’s why more people don’t.Each year, only a fraction of the Americans who could benefit financially from bankruptcy actually seek relief. Economists say some don’t file because collectors aren’t aggressively pursuing them, while others may strategically delay filing because bankruptcy could benefit them more down the road.Many bankruptcy attorneys have a much simpler explanation: Fear, a lack of information and misplaced optimism keep people from getting a fresh start.A temporary pauseAbout 14% of U.S. households — or roughly 17 million — owe more than they own, according to Federal Reserve Bank of New York estimates. Many of these households could benefit from having their debts wiped out, but fewer than 1% of U.S. households actually file for bankruptcy each year. Last year, there were 752,160 personal bankruptcy filings. Researchers refer to this gap as “missing bankruptcies” — the filings that could be happening, but aren’t.Now, there’s an additional set of missing bankruptcies: the cases people normally would have filed in recent months, but haven’t. Bankruptcy filings dropped dramatically in the second quarter of this year, to about 60% of the average for the previous five years.Courthouses were shuttered by pandemic closures, which made it harder for creditors to pursue foreclosures and wage garnishments. Those are two big drivers of consumer bankruptcy filings, says David Cox, a bankruptcy attorney in Lynchburg, Virginia, and co-author of “Consumer Bankruptcy: Fundamentals of Chapter 7 and Chapter 13 of the U.S. Bankruptcy Code.”Borrowers have benefited from various forms of coronavirus relief, such as suspended payments on federal student loans, mortgage forbearance and expanded hardship options for loans and credit card accounts. The 0 weekly bump in unemployment checks, which expired in July, also kept many people afloat, Cox says.Lower jobless benefits, along with the reopening of courts and continued high unemployment, mean the lull in bankruptcy filings is likely temporary, says Jenny Doling, a bankruptcy attorney in Palm Desert, California, who serves on the American Bankruptcy Institute’s Chapter 13 Advisory Committee.She worries that people will wait too long to file. Too often, people drain retirement funds or other assets that would be protected in bankruptcy to pay debts that will ultimately be erased, she says. Putting off bankruptcy also can make it harder to come up with the ,500 needed to file a typical case.You won’t lose everythingCox says many of his clients delay filing because they fear they will lose cars, homes and other property. They are pleasantly surprised that they aren’t stripped of everything they own, he says.“There’s a misunderstanding about how bankruptcy works and what it would take from you,” Cox says.The vast majority of people who file the most common type of bankruptcy, Chapter 7, don’t have to give up any of their possessions. The types and amount of property you can keep vary by state, but typically include clothing, professional tools, wedding rings and at least some equity in your home. A few thousand dollars of equity in a car is usually protected as well. If you have assets that wouldn’t be protected in Chapter 7, you could file for a Chapter 13 repayment plan instead.You can get credit againA bankruptcy filing remains on your credit reports for up to 10 years. But credit scores can start to recover soon after you file. It’s possible to get a VA or FHA mortgage two years after a bankruptcy. Most loans require you to wait at least four years.People can start to rebuild credit a few months after their bankruptcy case is discharged by getting secured credit cards, which require a deposit, or credit-builder loans, available from some credit unions, community banks and online.The problem with anxiety — or unrealistic optimismDebt often leads to anxiety and depression that makes taking action difficult, Cox says. Many of his clients arrive at their first meeting with grocery sacks full of unopened bills.But misplaced optimism can also be a problem. The same hopefulness that causes people to take on too much debt also can lead them to put off the reckoning, he says.“You always think, ‘Our income’s going to increase, things will be better going forward,’” Cox says.Anyone struggling with debt now should consider consulting a bankruptcy attorney, Doling says. The first visit is often free, and referrals are available from the National Association of Consumer Bankruptcy Attorneys. Consulting with an attorney doesn’t obligate you to file, but it could help you avoid expensive mistakes if you later decide that’s your best option.“The people who do much better in bankruptcy are the ones who came in and got advice early on,” Doling says.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: Used Cars in Short Supply, and Shea Couleé Talks About MoneyHow Frugal Fashionistas Can Stay on TrendAre Medicare Advantage Plans Worth the Risk?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5211

The Louisville police detective that Kentucky Attorney General Daniel Cameron said appeared to have fired the fatal shot at Breonna Taylor back in March is reportedly seeking ,000 through an online fundraiser so he can retire.According to the Louisville Courier-Journal, Det. Myles Cosgrove, one of three Louisville police officers who shot into Taylor's apartment, is seeking funds on the crowdfunding site GiveSendGo.Cosgrove's attorney, Jarrod Beck, confirmed to CNN that Cosgrove's family members set up the page.According to the fundraiser's description, the page was set up to ensure Cosgrove can "purchase the remainder of his service time so that he can retire.""Myles’ reputation has been completely dismantled and the psychological trauma is something that he will have to cope with for the rest of his life," the fundraiser description reads. "Every day, the threats seem more legitimate and scarier; his family has been doxed and harassed, while the threats remain unrelenting. Although Myles may never feel completely safe again, if you can help us reach our goal, we can at least get him on a path to security and allow him to focus on his main objective: the safety of his family."The fundraiser's goal was set to ,000 and, as of Thursday afternoon, had raised over ,000.A grand jury announced Monday that Cosgrove and Jonathan Mattingly were "justified" in using lethal force because they were fired upon first. 1444

The latest data on opioid overdoses in Arizona are showing the highest number of deaths in 10 years.For many, the toughest decision is to find professional help. Thousands of recovering addicts in Southern Arizona are sharing the battle towards recovery.One of those is Robert Lyles, who remembers the moment he almost lost his life."I remember so well, the doctor and the paramedics yelling you're losing him, you're losing him," Lyles said.He said it is a moment he will never forget. Being rushed through the double doors at Northwest Hospital, he said, was the day God gave him a second chance to live."(The doctor) said, 'You had 30 days top, 45 you would have been dead for sure,'" he said.That was back in 2007, after being involved in a car crash and suffering a neck and foot injury. Lyles said his doctor prescribed Percocet and Ativan to treat the pain, the beginning of the end for him, Lyles stated. That's because one day his daily dose wasn't enough to end the pain."I'll take another Percocet, and when I did, I liked the feeling and from that point forward, I started increasing my drug intake," he added.After that, the rest of the year became a blur, he said. His life began closing down on him, divorcing his wife, and losing communication with his only son. Until a serious conversation with his doctor convinced him to seek professional help: "He told me you need to go back and listen to them and so I did," he explained.Ever since, Lyler said he has been the best student at Sierra Tucson, where he has been focusing on his recovery, and most importantly staying clean for nearly 10 years.He also wants to make sure other patients find the courage to recover. He hopes to pass along a very important message, "take care of yourself first and the world around you will change," he said. 1857

The holidays are right around the corner, but Walmart won't be hiring for help.The retailer plans to meet its need for extra work during the holiday shopping season by giving existing employees more hours, according to a release from the company.Hiring seasonal holiday help is a tradition in retail. Walmart rival Target has already announced plans to bring on 100,000 temporary holiday workers.But Walmart's move is a sign of the tightening labor market which has made it difficult for employers to fill open positions. There were a record number of unfilled job openings nationwide in the latest government reading of the labor market. More than 600,000 of the open positions were from retail.It also can be seen as part of the effort by Walmart, the nation's largest private sector employer, to make jobs there more attractive and to cutdown on turnover.The company announced a series of pay raises for its lowest paid employees in early 2015, which took the minimum pay for most employees to an hour by last year, and the average pay for its full-time workers to about an hour. Part-time workers are paid about an hour on average.For part-time employees, additional hours could increase total pay more than an increase in hourly pay.Walmart says it employed the same strategy of more hours for existing employees during the holidays last year and "we heard great feedback from our customers and associates," according to Judith McKenna, chief operating officer of Walmart U.S.Walmart had 1.5 million U.S. employees as of Jan. 31, according to a company filing. 1585

The last time Tiger Woods won a major tournament, George W. Bush was the President, the iPad had not been invented yet and smartphones were only for wealthy. When Woods won the 2008 US Open, he not only needed to defeat Rocco Mediate in a sudden death playoff, he needed to rehab his knee due to a stress fracture, which caused him to miss the rest of the season. In the decade that followed, Woods' game slowly declined. Even though he was the PGA Tour's Player of the Year in 2009 and 2013, golf's four majors still eluded Woods. After having a successful 2013, Woods' health has declined. His declining health was evident last May when he was arrested near his Florida home for DUI. Woods was unable to balance his prescriptions, which caused him to fall asleep behind the wheel. Woods said last year that his goal was to be able to walk comfortably again. After several failed attempts at rehabbing his back, he is finally able to play pain free. Being able to play pain free has allowed Woods to be considered the favorite, according to Vegas, of winning the Masters. Woods has been in contention in both of his last two tournaments. He was just a putt away from forcing a playoff at last month's Valspar Championship. But it has been 13 years since Woods left Augusta with a Green Jacket, causing many to doubt if Woods would ever win the Masters again, let alone a Major. Among those who doubted Woods was the golfer himself. That was until last December, his first tournament back after missing a year to rehab his back. "After a few tournaments in, I felt more comfortable," Woods said. "I started getting used to what I could do, and then I started putting the pieces together that started preparing to play events, started competing and keeping score and posting numbers, and all of a sudden I started getting my feels back, and here we are."One person who is happy to see Woods back at Augusta is Phil Mickelson, once a bitter foe of Woods. Mickelson and Woods played together in a practice round on Tuesday. "I think that nobody respects and appreciates what he's done for the game more because nobody's benefited from what he's done for the game of golf more than I have," Mickelson said. "I've always had that appreciation and respect for him. To see him back out playing is incredible. We all feel that."I texted him a while ago when he was playing at Valspar that it felt like it was a different time continuum because I found myself pulling so hard for him. It was unusual."Odds makers list Woods as a 10-to-1 favorite to win this weekend. Given that Woods was barely able to walk a year ago due to pain in his back, winning the Masters would complete an incredible comeback to the sport Woods once dominated. But Woods said there have been bigger comebacks in the sports than the one he is trying to attempt. "I think that one of the greatest comebacks in all of sport is the gentleman who won here, Mr. Hogan," Woods said. "I mean, he got hit by a bus and came back and won major championships. The pain he had to endure, the things he had to do just to play, the wrapping of the leg, all the hot tubs and just the?? how hard it was for him to walk, walk period, and he ended up walking 36 holes and winning a U.S. Open."One thing standing in Woods' way is not his health, but the amount of talent that has developed in golf in recent years. Arguably, Woods is a big reason why there are so many golfers competing at a high level. "A lot of these kids have?? some of their first memories are of when I won my last major championship," Woods said. "That's what's crazy. Like, for instance, we're talking about Thomas Pieters today, he was born only a couple months before Fred won here. So it just puts in perspective for us, and for me especially, hearing some of these guys." 3894