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What to keep in mind with credit card bill payments (READ)Tips on handling your credit cards amid virus outbreak (READ)Help available for renters, homeowners struggling to pay for housing during pandemic (READ)3 ways credit cards can help you ride out a crisis (READ)SAN DIEGO (KGTV) -- Tens of thousands of people in California are being sued for not paying their credit card bills and other types of loan payments. The lawsuits are what's known as rule 3.740 collection cases."A lot of worrying after that, like oh my god, what am I going to do," said Chris Madden. "Stressed out now and just didn't need it."In February, Madden was served with a lawsuit from a debt collection company.During an interview with 10 News that month Madden said he needed to borrow money a few years ago to keep his car. He turned to a lender that could get him money quickly."I figured it was going to be a high-interest rate, like 22% or something," he said. "I started making the payments on it, and then I found out more about it."Madden admits he didn't do a great job getting all the details when he took the money, saying the interest rate wasn't clear. When he finally did look at the fine print, he saw the interest rate was 135%. Court documents show a ,000 loan turned into ,000 owed."They were threatening to take any assets that I have, garnish my wages," Madden said.Madden said he stopped paying. He's being sued by a debt buyer under what's known as a rule 3.740 collections case.According to the 2020 California Rules of Court, "Collections case" means an action for recovery of money owed in a sum stated to be certain that is not more than ,000, exclusive of interest and attorney fees, arising from a transaction in which property, services, or money was acquired on credit."Team 10 discovered a 157% increase in the number of rule 3.740 collections lawsuits filed in San Diego County court from 2015 to 2019. 1927

When President-Elect Joe Biden and Vice President-Elect Kamala Harris take office in January, they will face a list of extraordinary challenges. The coronavirus pandemic and America's response to it will loom large. The same week our country voted for president, there were record numbers of new COVID-19 cases and hospitalizations and deaths continue to rise. Vaccines are being developed and could be ready for widespread distribution next year. There is also the financial and jobs concerns in the wake of the pandemic. Many are hoping conversations about economic relief can start up again now that results of the election are becoming clear. The jobs report from October shows unemployment is at 6.9 percent. However, this is still historically high and there are concerns it does not include people who have given up looking for work during a pandemic for various reasons.Racism and social justice issues divided the country earlier this year, leading to large demonstrations in dozens of cities. Strong emotions from both sides motivated some voters. Biden has said he also wants to focus on rejoining international organizations, including the World Health Organization, NATO, and the Paris Climate Accord. Biden has also signaled other top priorities in his first few months; including sending a bill to Congress to repeal liability protections for gun manufacturers and closing background-check loopholes, sending an immigration bill to Congress creating a pathway to citizenship for 11 million undocumented immigrants and retaining rights for “dreamers” who were brought to the United States illegally as children, and move to eliminate tax cuts passed under Trump in 2017, according to the Washington Post. In speeches, Biden has also said he wants to address systemic racism, homelessness, and restore transgender students' access to sports, bathrooms and locker rooms. 1891

While public health experts have acknowledged the risk for healthy athletes when becoming infected with the coronavirus has been rather low, lingering questions have remained on if the virus causes long-term cardiac damage.Doctors from the Sports and Exercise Cardiology Section of the American College of Cardiology released some of their preliminary findings on the effect the coronavirus has on athletes’ hearts.With college football fully resuming this week with the return of the Pac-12, and college basketball slated to get underway next month, sports are beginning to return to normal amid the pandemic. While some athletes are being frequently tested for the virus, testing alone has not stopped team-wide outbreaks from occurring.Despite there being some limited evidence that the virus causes cardiac injury to athletes, researchers wrote in JAMA that heart damage alone should not be the primary reason to postpone athletic competitions amid the pandemic.“While concerns about the implications of cardiac injury attributable to COVID-19 infection deserve further study, they should not constitute a primary justification for the cancellation or postponement of sports,” the researchers wrote.“Rather than canceling sports because of unsubstantiated concerns about cardiac safety based on limited data of unestablished clinical relevance, this decision should be driven by the need to limit viral spread,” researchers added. “With uncontrolled community transmission, we share concerns with public health officials about risks of increased disease transmission attributable to the resumption of organized sports. Accordingly, the decision to proceed with or delay organized sports should be based on community disease prevalence, coupled with the availability of resources that can be responsibly allocated to identify and prevent new infections among athletes.”The researchers said that initial findings have produced only a handful of cases of cardiac injury, but stressed that more research is needed.“Reports of presumptive myocarditis among several athletes with high profiles have magnified concerns about COVID-19 CV sequelae in athletes,” the researchers wrote. “Our combined experience suggests that most athletes with COVID-19 are asymptomatic to mildly ill, and to date, (return to play) risk stratification has yielded few cases of relevant cardiac pathology. However, we underscore that these observations may not reflect the true prevalence and attendant prognosis of COVID-19 CV involvement in athletes.”As far as what players should do following their 10-day isolation period, assuming they minimal coronavirus symptoms?“We do not advocate for (cardiovascular) risk stratification among athletes who remain completely asymptomatic with prior COVID-19 infection, following completion of US Centers for Disease Control and Prevention (CDC) guided self-isolation,” the researchers wrote. “Given the current lack of published data, consideration of comprehensive screening for this population could be reasonable if it is based on research and data collection.”The Big Ten, which was among several leagues that held out on playing at the start of the football season, requires athletes to undergo cardiovascular screening following a positive coronavirus test. Part of what concerned the Big Ten initially was reports that a number of its athletes who tested positive for the virus had shown myocarditis symptoms.According to the National Institutes of Health, myocarditis is an acute injury that “leads to myocyte damage, which in turn activates the innate and humeral immune system, leading to severe inflammation.”“All COVID-19 positive student-athletes will have to undergo comprehensive cardiac testing to include labs and biomarkers, ECG, Echocardiogram and a Cardiac MRI,” the Big Ten said in a statement. “Following cardiac evaluation, student-athletes must receive clearance from a cardiologist designated by the university for the primary purpose of cardiac clearance for COVID-19 positive student-athletes. The earliest a student-athlete can return to game competition is 21 days following a COVID-19 positive diagnosis. “In addition to the medical protocols approved, the 14 Big Ten institutions will establish a cardiac registry in an effort to examine the effects on COVID-19 positive student-athletes. The registry and associated data will attempt to answer many of the unknowns regarding the cardiac manifestations in COVID-19 positive elite athletes.”To read an abstract of the research, click here. 4546

Wildfires continue to rip through the Western United States, destroying homes, businesses, and parks.“We know that they can get exponentially large very quickly,” James Marugg, division chief for San Miguel Fire and Rescue in California, said.Those on the front lines like Marugg say each year, the blazes seem to get more destructive.“Prevention is key and it’s defensible space, and the extra few minutes that defensible space gives us to be able to set up a perimeter, be able to get in and make the difference for someone's home," Marugg said.Defensible space is the area closest to a building, which is cleared of vegetation to help slow the spread of the flames.“Defensible space equals time,” Marugg said. Now, firefighters out west are getting some much-needed assistance in getting rid of some of that vegetation, from a team that’s hungry to help."Fifteen years ago, I’d say people need to wake up,” said Johnny Gonzales, the field operations manager for Environmental Land Management.Gonzales showed us a herd of almost 300 goats. It's not a petting zoo, but a work zone. “I see it as a work zone,” he said. “They’re coming in here and eating what we consider flash fuels. And that's basically broadleaf weeds, grasses, brush.”It's all that stuff you can see in between the trees in a field. The difference between before and after is noticeable.“Our goal is to bring back nature into the equation of fire control,” Gonzales said. “We’re not raising these goats to go to the market. These goats are true urban foresters if you will.”Hundreds of goats, right near the road and adjacent to homes.“Goats, depending on the time of year, can eat about 7 to 12 percent of their body weight,” Gonzales said. On this current project next to Cuyamaca College, the goats are getting through about an acre a day.“Our college actually sits on 165 acres of wildlife, and yet, you can see it’s completely overgrown. There’s non-native dry brush, and just a few weeks ago before the goats were here, we actually had a fire on campus,” Nicole Salgado, interim vice president of administrative services at Cuyamaca College, explained. “It poses a risk not only to our college but the surrounding community.”Hiring the goats just made sense for them, cost-wise.“To have the goats here, it’s 30 percent less than that of a human crew,” Salgado said.“You're as safe as your neighbor, and then it turns into you’re as safe as the block and your community. We’re now a whole state that's in need of fire fuel mitigation,” Gonzales explained.It helps out firefighters when it comes time to put out flames. Less dry brush means slower spread of flames.“You harden your house to keep a burglar from coming in, you need to do the same with wildfire. You need to look at it and think what are my vulnerabilities,” Marugg said.There’s also another trend he said is impacting the number of homes we lose to fire.“There’s more houses in the woodland area and we have to respond to them quicker, otherwise we lose more homes,” Marugg said.“Each year, the limits for the development lines still get higher and higher. More homes are being built in the mountains, Essam Heggy, a research scientist at the University of Southern California, said.“Our visual understanding of the environment we’ve been living in, in many places have been [associated] to the malls we visit and not to the environment that’s surrounding us. This disbelief in the complexity of our environment is the main driver of these hazards."As we near the end of wildfire season, Gonzales and his herders continue to clear up the spaces they can year-round, in a sustainable way.“I see this in the future becoming as common as trash pick up,” Gonzales said. “They really may be historically, and in the future, one of the greatest things of all time for fire fuel mitigation.” 3832

White House communications director Hope Hicks is not answering questions about her time in the White House during her closed-door House Intelligence Committee testimony Tuesday, but she has started to answer some questions about the presidential transition, according to lawmakers on the committee.A source familiar with her testimony says the attorney for Hicks told the committee that she will not discuss matters after the campaign in accordance with the White House request. When asked about certain matters, her attorney says she will "take it under advisement" but not answer those questions, the source said.When former White House chief strategist Steve Bannon appeared before the committee last month and didn't answer questions about similar time frame beyond the 2016 campaign, he was hit with a subpoena during the interview. Republicans said Bannon's claim that he could invoke executive privilege?during the presidential transition did not have merit.Hicks, however, did respond to some questions regarding the transition, according to Rep. Tom Rooney, a Florida Republican.Rooney said her answers weren't prompted by a subpoena threat, but because she apparently had responded to similar questions during her previous interview before the Senate Intelligence Committee. The committee made the case they were entitled to the same answers as the Senate panel, and the White House apparently agreed."It had more to do with what she testified to the Senate, and what was fair to the House to ask the same questions," Rooney said.It's unclear whether Hicks is answering all questions about the transition or just those that she previously answered in her Senate testimony.Earlier on Tuesday, Democrats were pushing for the committee to subpoena Hicks for not responding to the panel's questions."We got Bannon-ed," said Rep. Denny Heck, a Washington state Democrat."I have less hope we'll get to all the answers," said Rep. Mike Quigley, an Illinois Democrat. "As with anyone who doesn't answer questions, they ought to be subpoenaed."Rooney and other lawmakers said Hicks still was not answering questions about her time in the Trump White House."There are some questions that she's not going to answer. I think anything dealing with the administration, from the time of the inauguration," GOP Rep. Chris Stewart of Utah told reporters.Rep. Mike Conaway, the Texas Republican leading the House Intelligence Committee's Russia investigation, told CNN ahead of the meeting that he expected Hicks to answer all of the committee's questions. He declined to comment Tuesday afternoon on Hicks' testimony or a possible subpoena, saying he would wait until the interview had concluded.Bannon returned under subpoena earlier this month to the committee to continue he testimony, and he told the panel he had been instructed by the White House to invoke executive privilege on behalf of the President.California Rep. Adam Schiff, the top Democrat on the House Intelligence Committee, has called for Bannon to be held in contempt of Congress for refusing to answer questions, as well as former Trump campaign manager Corey Lewandowski, who also limited the scope of questions he would answer. But Conaway said Tuesday that he still has to discuss the matter with House Speaker Paul Ryan before deciding how to proceed.Quigley said Hicks had not asserted privilege Tuesday, but she was "following the orders of the White House not to answer certain questions."Hicks did not answer reporter questions on her way into the interview Tuesday morning. She was initially scheduled to appear before the committee last month as part of the panel's investigation into Russian meddling into the US election, but her interview was delayed over questions about the scope of her testimony.Hicks has already been interviewed by the Senate Intelligence Committee, a source familiar with the matter told CNN. Hicks also met last year with?special counsel Robert Mueller as part of his investigation.Hicks, a trusted Trump aide for years, was one of then-candidate Trump's first hires as he put together an improbable run for the White House. During the campaign, she was often by Trump's side and attended nearly every rally, while she was in frequent communication with other senior officials as they coordinated their tactics to win the White House.The House panel plans to interview her about any knowledge she has of contacts that occurred between other Trump associates and Russians. And she is bound to be questioned about other controversies as well, namely the White House's involvement in crafting a misleading response last summer once a June 2016 meeting between Russians and Donald Trump Jr. was revealed in the press.Hicks appears to have firsthand knowledge of a number of key events that have shaped the first year of the Trump White House, including being on Air Force One when the initial misleading statement about Trump Jr.'s meeting with Russians was crafted. 4977

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