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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
WICHITA, Kan. (AP) — An Ohio gamer upset about a .50 bet while playing Call of Duty: WWII online was sentenced Friday to 15 months in prison for recruiting a prankster to make a bogus emergency call that resulted in the fatal shooting of a Kansas man by police.Casey Viner, 19, of North College Hill, Ohio, also is restricted from gaming activity for two years while he is on supervised release after serving his prison term, U.S. District Judge Eric Melgren said in announcing the sentence.Viner repeatedly gulped and appeared crestfallen as the judge announced his sentencing decision. He glanced into the courtroom gallery where his parents were seated. His tearful mother got up and left the courtroom. His father, an Ohio law enforcement officer, put his head into his hands.Viner pleaded guilty in April to felony charges of conspiracy and obstruction of justice in the hope that he would not be sentenced to prison. Viner admitted trying to hide his involvement in the 2017 incident when he realized the antic had gotten someone killed.In a brief courtroom statement, Viner told the judge he is "awfully sorry" for what happened: "I never intended for anything to happen. I think of it every day."Prosecutors and defense lawyers in their plea agreement had recommended a sentence of two years on probation, with the added condition that Viner be confined for six months to his home unless attending school, work or church. They also jointly recommended the gaming restriction.But Melgren said a prison sentence was required to reflect the seriousness of the offense and give the public a sense the criminal justice system is working. It was foreseeable that something bad could happen by calling an armed police force to respond to what police believed was an escalating situation of violence, he said."We impose sentences not only for what people intend, but what happened," Melgren said.The death of 28-year-old Andrew Finch in Wichita, Kansas, drew national attention to "swatting," a form of retaliation in which someone reports a false emergency to get authorities, particularly a SWAT team, to descend on an address.Viner himself had been swatted just 20 days earlier to the Kansas incident, his defense attorney Jack Morrison, Jr. told the court. He said Viner is remorseful, noting and he lost about 20 pounds in recent months "on reflection of the gravity of what occurred as a result of what he believed to be a harmless prank."Authorities said Viner recruited Tyler R. Barriss to "swat" an opponent, then 19-year-old Shane Gaskill, in Wichita. But the address they used was old, leading police to Finch, who was not involved in the dispute or video game.Gaskill, who had previously given his old Wichita address to Viner, was charged as a co-conspirator after knowingly giving Barriss the same former address and taunting him to "try something."Barriss, a then 25-year-old Los Angeles man with an online reputation for "swatting," called police from Los Angeles on Dec. 28, 2017, to falsely report a shooting and kidnapping at that Wichita address. Finch was shot by police when he opened the door to see what was happening outside.Viner had just turned 18 about two weeks before the deadly swatting incident, and Assistant U.S. Attorney Debra Barnett argued probation would give him a better grasp of what he has done and would be a first step in helping him to grow up."At his age and his youthfulness, I am not sure he is going to get it if he is sitting in a cell block with people who are more hardened, more experienced than he is," she said.The federal indictment alleged that a forensic examination of Viner's iPhone recovered his deleted outgoing messages to unknown persons, including one in which Viner allegedly wrote: "I was involved in someone's death."Finch's family has sued the city of Wichita and the officers involved. Police have said the officer who shot Finch thought he was reaching for a gun because he moved a hand toward his waistband. The local district attorney declined to charge the officer.Gaskill has struck a deal for deferred prosecution that could allow the charges against him to be dropped.U.S. Attorney Stephen McAllister said outside the courthouse that a distinguishing factor in the government's handling of the prosecutions of the two gamers is that none of this would have happened if Viner had not reached out to Barriss and started the whole process.Barriss was sentenced in March to 20 years in prison after pleading guilty to 51 counts for making fake emergency calls and threats around the country, including the deadly hoax call in Kansas. Prosecutors believe it is the longest prison sentence ever imposed for "swatting."___This version of the story corrects the age of Gaskill at the time of the swatting to 19 in paragraph 11 and Barriss' age at the time to 25 in paragraph 13. 4857

What makes a successful relationship? As some couples have found out during the pandemic, and researchers have scientifically discovered, it may boil down to how you engage with each other and how committed each partner is.A study published this week in the Proceedings of the National Academy of Sciences looked at responses from more than 11,000 romantic couples, tracked over about a year.“People’s own judgments about the relationship itself—such as how satisfied and committed they perceived their partners to be, and how appreciative they felt toward their partners—explained approximately 45% of their current satisfaction,” the study’s authors note. “The partner’s judgments did not add information, nor did either person’s personalities or traits.”Top relationship-specific predictors of relationship quality:Perceived partner commitmentAppreciationSexual satisfactionPerceived partner satisfactionConflictA person's own perception of their relationship accounted for about 45 percent of their current satisfaction with their relationship at the onset of a study, and about 18 percent by the end of the study.The study’s authors note the results are based on self-reporting and more study is needed over a longer period of time to see if these characteristics hold true over the long run.If you haven’t lately, it might be a good time to let your partner know that you appreciate them. 1402
Whenever you get vaccinated for the coronavirus, there is a good chance you will need to get two doses of the vaccine. Two types of vaccines are expected to begin being distributed this month and both require two doses 28 days apart.Dr. Anthony Fauci said during a CNN town hall on Friday that the first vaccine is the “prime” vaccine dose, and the second one is a booster. The two vaccines, one from Pfizer and the other Moderna, are expected to receive an FDA emergency use authorization in the coming weeks.Fauci said another vaccine, one produced by Johnson and Johnson, would only require one shot. But Fauci cautioned that the data from that vaccine candidate has not been reviewed. The Moderna and Pfizer vaccines are showing an efficacy of 95%, and both vaccines had a near 100% effectiveness against severe coronavirus cases.While the first shot will offer some protection against the virus, Fauci says that the boost will give Americans “optimal” protection against the virus.“What you have is you get some degree, not optimal, but some degree of immunity a couple of weeks after the first dose,” Fauci said. “That's not optimal. After the second dose, you get optimal immunity anywhere from seven to 10 days after the second dose."As vaccine doses begin to make their way to health care workers and high risk patients, Fauci says it will be important for everyone, even those who are vaccinated, to still wear masks and conduct social distancing. Fauci says that those who are vaccinated could potentially carry the virus, even if they will not become symptomatic.Fauci said that it will take a vast majority of Americans getting vaccinated before the US reaches herd immunity. When the US reaches herd immunity, that is when social distancing measures can be eased, Fauci says. "Even if you're vaccinated, you may be protected against getting sick, but you may not necessarily be protected against getting infections. So you may have some virus in your nasal pharynx. It wouldn't bother you, and maybe it wouldn't even infect anybody else, but it would be there. That's the reason why you can't abandon all public health measures." 2151
WESTMINSTER, Colo. — A family's lifeline was stolen right in front of their home on Tuesday morning. Someone took off in their 2004 Toyota Highlander with something even more valuable inside — an electric wheelchair. "She goes 'let me just go get the car; I'll be right back,' " said Candace Trujillo.Trujillo's mom drives her to work every morning because she's unable to drive herself. She has brittle bone disease and uses a wheelchair to get around. "I was born with 26 fractures," Trujillo said.Doctors didn't expect her to live past age 2. She's now 28 years old and works five days a week. The morning started off just like any other. Trujillo woke up at 3 a.m. to start getting ready for her job in customer service. She usually leaves the house around 5 a.m. Her mom will pull the car up, load the wheelchair and then help her into the car. On this cold morning, she left the car running and it was gone 10 minutes later."It also had my wheelchair on there, which are my legs. I can't go anywhere without those," said Trujillo.The ,000 power wheelchair was recovered three hours after the vehicle was stolen. It was abandoned approximately 15 minutes from their home."It's just been going on and on in my head all day, I just don't understand why," said Trujillo.The car is still missing, and without it, Trujillo has no idea how she's going to get to work."It's really awful. I don't even know how to describe it," she said. "I'm at a loss of words because the car is everything to us right now. We don't have one." 1581
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