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The mother of Breonna Taylor wrote an open letter to President-elect Joe Biden calling on him to make criminal justice reforms and to open federal investigations into several high-profile police-involved deaths.“For many Americans, a vote for you was a vote for Breonna, Jacob Blake, Casey Goodson and so many others who have been failed repeatedly by the criminal justice system under the current administration,” Tamika Palmer wrote. “These victims could not vote for you – so millions of us did so on their behalf.”The letter was a full-page ad in the Washington Post Tuesday, and was reportedly paid for by the Grassroots Law Project.Palmer’s daughter was killed in March when Louisville police fired dozens of rounds into her apartment in an early morning warrant search.Shaun King, co-founder and Executive Director of Grassroots Law Project, shared an image of the open letter, saying Palmer “not only calls on Biden to prosecute the officers who murdered Breonna, but to bring about the change & justice he promised her.” 1041

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 line of well-dressed celebrities waiting to chat with E! on the Oscars red carpet might be a little shorter this year.As Ryan Seacrest continues to defend himself against an allegation of sexual harassment, E! has chosen to stand by its longtime host, saying this week that he will occupy his usual post front and center of the action on the red carpet during Hollywood's biggest night.The decision will leave E!, its hosts, and the celebrities set to walk the red carpet in a difficult position on an occasion that marks both the culmination of Hollywood's award season and the first Academy Awards since the #MeToo and Time's Up movements forced the entertainment industry to address its issues with sexual harassment and gender-related inequity."I don't think [Seacrest is] going to have a great time on the carpet," one longtime Hollywood publicist tells CNN.News that Seacrest was facing workplace misconduct allegations first came to light in November, when Seacrest released a preemptive statement denying the accusations and revealing that E! was conducting an investigation.E! concluded its probe in early February, saying in a statement at the time that outside counsel "found insufficient evidence to substantiate allegations against Seacrest."The allegations received new steam on Monday, when in an interview with Variety, Seacrest's former stylist, Suzie Hardy, detailed instances where she said he groped and sexually harassed her.NBC's "Today" show aired a report on Wednesday in which a former co-worker of Hardy's, who NBC did not identify at the source's request, corroborated her story.In response, Seacrest's attorney, Andrew Baum, claimed the witness who spoke with "Today" had also participated in E!'s third-party investigation."He was interviewed and his claims were fully evaluated," Baum said in a statement to CNN.On Tuesday, Seacrest again denied Hardy's allegations in a statement to CNN, saying in part, "I don't want to accuse anyone of not telling the truth but in this case, I have no choice but to again deny the claims against me, remind people that I was recused of any wrongdoing, and put the matter to rest."Insistent as Seacrest is about his innocence, it may not be enough to clear the air before Sunday."It's probably easiest for some [celebrities] to avoid E!," the veteran publicist added.When asked whether executives at E! were concerned Seacrest's presence could deter celebrities from participating in the network's Oscars coverage, an E! spokesperson told CNN, "It's business as usual. Ryan will be hosting as scheduled on Sunday."At January's Golden Globes, which took place after the allegations were first known but before E! had concluded its investigation, Seacrest seemingly had no trouble getting famous faces to join him on air.However, Seacrest and co-host Giuliana Rancic were criticized on social media for not placing what some felt was sufficient focus on the activist guests who accompanied several nominees involved with the Time's Up movement.The E! hosts also had to contend with a few awkward encounters in which they were questioned about the network's handling of a pay dispute with former on-air personality Catt Sadler.Sadler left E! in December after she says the network declined to close a pay gap she'd discovered between her and a male colleague of similar standing.In a statement at the time, a spokesperson for E! said the network "compensates employees fairly and appropriately based on their roles, regardless of gender."Eva Longoria, Debra Messing and Laura Dern were among those who called out E! while being interviewed at the Golden Globes."I'm sure a few will still stop and talk to Ryan, but I would assume that there are several celebrities that will confront him based on this and/or build on the E! situation with Catt [Sadler]," the veteran publicist added. "Some will avoid [speaking with E!] all together. There are a lot of cameras on the carpet and one isn't going to make that big of a difference."E! is arguably the most visible -- and therefore popular among publicists -- red carpet broadcaster.Last year, E! averaged 2.03 million viewers during the first three hours of its Oscars red carpet coverage and 1.74 million in the last half hour, per Nielsen data.Though a fraction of ABC's preshow numbers (15.9 million viewers from 7-8:30 p.m.), it's a solid ratings result for E!, whose top-rated program, "Keeping Up with the Kardashians," pulls in about 1.5 million viewers per episode.With hours of preshow programming to fill, E! is one of the few entertainment-focused outlets that pay exorbitant fees to broadcast live. Competitors like Entertainment Tonight and Access Hollywood record interviews on the red carpet to air on their syndicated shows the following day.E! places correspondents in multiple positions around the site, including a bridge that overlooks the scene at the Dolby Theater.On the red carpet, few hosts can compete with the weight Seacrest's name carries among influential circles in the entertainment industry, the sector that controls where celebrities make stops during promotional tours and appearances. In addition to contributing to E!'s red carpet coverage for more than a decade, his gigs as host of a syndicated radio program, host of "American Idol," and co-host of "Live with Kelly and Ryan" have left him with plenty of goodwill and friends in the industry.Two former colleagues of Seacrest who worked with him at E! News told CNN they never witnessed any harassment and described him as a "consummate professional."Another top film publicist calls the accusation against Seacrest "a bit of a witch hunt," acknowledging too that they were "definitely sympathetic to every woman's horrific experience.""There has to be a better way to deal with past transgressions and make sure they don't happen again without destroying so many careers."  5892

The owner of a company that builds 3D-printed guns said he has begun selling blueprints of the weapons to elude a court order on Monday that banned him from giving the plans away for free.Cody Wilson, the founder of Defense Distributed, said that he interpreted Monday's federal court order to mean that he could not put gun blueprints online to be downloaded for free. Instead, he said, he is now selling the blueprints to customers, letting them name their own price and then emailing or shipping it to them."Anyone who wants these files is going to get them. I'm gonna sell it to them, I'm gonna ship them. That began this morning," Wilson said. "That will never be interrupted. The free exchange of these ideas will never be interrupted." 750

The main actors from “The Princess Bride” are reuniting virtually this month, and not everyone is happy about the reason why.The cast, including Cary Elwes, Robin Wright, Carol Kane, Chris Sarandon, Mandy Pantinkin, Wallace Shawn, Billy Crystal, and Rob Reiner, will be doing a script read of the 1987 film followed by a Q&A. It’s part of a fundraiser for the Wisconsin Democrats.“Anything you donate will be used to ensure that Trump loses Wisconsin, and thereby the White House,” the event sign-up page reads.Texas Republican, and “The Princess Bride” fan, Senator Ted Cruz fired back at the actors. Following a tweet from Elwes promoting the event, he responded with one of his own.“Do you hear that Fezzik? That is the sound of ultimate suffering. My heart made that sound when the six-fingered man killed my father. Every Princess Bride fan who wants to see that perfect movie preserved from Hollywood politics makes it now.” 942