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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

With COVID-19 cases surging across the country, public health officials and ICU doctors are pleading with Americans to reconsider gathering with family members ahead of the Thanksgiving holiday for fear of spreading the virus even further.“We really don’t have a national or even multi-state plan, and that worries me,” said Dr. Stephen Morse with Columbia University.While he strongly recommends against it, Dr. Morse knows inevitably some people will still get together on Thursday. His advice is to have a multi-layered safety approach.The first layer involves testing. He’s urging people to avoid those rapid tests if they can because they’re less accurate.With so many Americans trying to get tested right now, officials also say it’s important to plan ahead and be prepared to potentially not get results back before Thanksgiving.“Testing is really important because it’s the only way we can find people who aren’t obviously sick and stop them,” Dr. Morse added.Health officials say if you are planning a small family gathering, get tested before you see high-risk family members. Americans are also being urged to consider virtual holiday gatherings whenever possible.If you are gathering with people outside your household, eat in separate rooms or consider eating outdoors.“What I’ve seen is once it gets into a family, because we let our guard down around our family, everybody gets infected,” explained Dr. John Coleman, who works in the ICU at Northwestern University’s teaching hospital in Chicago.Dr. Coleman says there are just too many variables to consider when it comes to gathering for Thanksgiving this year.“I think we are on the cusp of some very, very dark months. What we’ve seen is the increase of COVID across the nation is going to eventually stress the health system.” 1804

When traveling to many places, it’s required to quarantine or get tested for COVID-19 before and after you arrive.Starting Thursday, Iceland is going to let visitors skip all of that if they prove they've had COVID-19 and recovered. But for now, travel from the U.S. to the country still isn't allowed.So, are these so-called immunity passports a good idea?Dr. Ania Wajnberg at Mount Sinai has been studying COVID-19 antibodies since March. Her team has tested more than 80,000 people in the New York area, and they’ve found the majority of people who had COVID-19 form moderate or high levels of antibodies.“Since March and April, almost everybody has maintained their level of antibodies. We do see a slight decrease, but overall, they've maintained their antibody levels,” said Wajnberg.But it's not entirely clear how long immunity does last and how good the protection against COVID-19 is.Wajnberg says we also don't have a lot of data on whether people who have antibodies could still possibly carry enough of the virus that they could spread it.The World Health Organization has advised against immunity passports. It says there's not enough evidence of immunity from antibodies alone.“I think given that we know that many or most people likely have some protection, this is not an unreasonable way to begin to open up society in a safer way than just throwing open the doors and hoping for the best,” said Wajnberg.Iceland's chief epidemiologist says he doesn't think it's fair to people who've had COVID-19, that they shouldn't be allowed to travel freely afterward.Critics of immunity passports warn they could potentially reward reckless people who become infected after ignoring COVID-19 rules or take away more of our medical privacy. 1755

We've all faced challenges communicating during the pandemic, whether it be a shaky Zoom call or asking someone to repeat what they said through their mask. But for people who are deaf or hard of hearing, communication has been even tougher. “First thing I did was start carrying a pad with paper and pen and I'd have to ask people to write things down. I can’t understand, when I walk into a store sometimes, what people are saying," said Michael Conley.Born deaf, Conley relies on reading lips to communicate and says others in the deaf community rely on facial expressions, both of which are often hidden behind a mask now in public. Conley says while many people are understanding, others get frustrated when he can't understand them. Conley decided not to go to his aunt's funeral due to the communication challenges he would face while at the airport, renting a car, and at the funeral itself. “As a deaf person, I think I’ve been isolated a lot anyway, and this just adds to it," said Conley.And after losing his job, Conley faced other communication challenges at home.“So many of us working from home, we’ve lost our jobs or something has happened where we have to make phone calls we didn’t have to before," he said.But the tech world is helping improve accessibility, with companies like Zoom and Google enabling live captioning for video calls, transcribing conversations within seconds.Conley’s also relied on an app that provides real-time captioning for phone calls. Called InnoCaption, calls are captioned by either a stenographer or automated speech recognition software.“It really changes everything," said Conley. "Before, I used to dread making phone calls. Now, it’s not a problem; it’s freed me completely.”Funded by the Federal Communications Commission, the app is available at no cost for the deaf and hard of hearing."It’s very intuitive," said Conley. "Everything is converted into text in real-time."Conley says in-person communication would be easier if people wore clear masks, but right now, that’s not happening much, making the innovations in his hand that much more of a lifeline. 2123

WINTER HAVEN, Fla. — The Polk County Sheriff's Office is conducting a death investigation after an Uber driver shot and killed a man early Tuesday morning.During a news conference, Sheriff Grady Judd said that a bartender and patron at the Grove Lounge on US Hwy 27 in Dundee called for an Uber when they realized a young woman was in no condition to drive.As they waited for the Uber to arrive, the patron, Jessica, and her boyfriend, 34-year-old Jason Boek, were texting back and forth about him picking her up from the bar. When he refused, Jessica told him that she had found a ride and didn't need him to pick her up; in which he later replied after arguing with her:"I'm going to f***ing beat the f*** out of the Uber driver"Once the Uber driver, 38-year-old Robert Westlake, arrived at the bar Jessica put the intoxicated young woman in the car. Boek began following the Hyundai Elantra .thinking Jessica was inside.As the two continued on Dundee Road, Boek approached Westlake's Hyundai from behind and then abruptly passed and pulled in front of it.After jumping out of his F-250 pickup truck and approaching Westlake he yelled:"You know I have a pistol? Want me to shoot you?"Westlake, who is a concealed weapon permit holder and just finished police academy, reached into the pocket of the driver door, retrieved a handgun and shot Boek once in the chest. He then called 911 and spoke in "police lingo" and told them he had shot a man after he had threatened him. He also began lifesaving measures.Dashcam video shows moments leading up to shooting 1642