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A federal judge on Thursday erupted at the Trump administration when he learned that two asylum seekers fighting deportation were at that moment being deported and on a plane to El Salvador.DC District Judge Emmet Sullivan then blocked the administration from deporting the two plaintiffs while they are fighting for their right to stay in the US -- reportedly excoriating the administration and threatening to hold Attorney General Jeff Sessions in contempt.The government raced to comply with the court's order, and by Thursday evening the immigrants had arrived back in Texas after being turned around on the ground in El Salvador.Sullivan agreed with the American Civil Liberties Union that the immigrants they are representing in a federal lawsuit should not be deported while their cases are pending.The emergency hearing in the case turned dramatic when attorneys discovered partway through the hearing that two of their clients were on a plane to El Salvador.During court, Sullivan was incensed at the report that one of the plaintiffs was in the process of being deported, according to the ACLU and The Washington Post. Sullivan demanded to know why he shouldn't hold Sessions in contempt, according to the Post and the recollection of lead ACLU attorney Jennifer Chang Newell.Chang Newell said the administration had pledged Wednesday that no one in the case would be deported until at least midnight at the end of Thursday. But during a recess in the proceedings Thursday, she got an email from attorneys on the ground in Texas that her client, known by the pseudonym Carmen, and Carmen's daughter had been taken from their detention center that morning and deported. After investigating during recess, she informed government attorneys and Sullivan what had happened."He said something like, 'I'm going to issue an order to show cause why I shouldn't hold the government in contempt, I'm going to start with the attorney general,' " Chang Newell said, explaining that Sullivan was suggesting he would issue an order that would require the government to explain why they didn't deserve to be held in contempt. Such an order has yet to be issued by the court.He ordered the plane turned around or the clients brought back immediately, the ACLU said."This is pretty outrageous," Sullivan said, according to the Post. "That someone seeking justice in US court is spirited away while her attorneys are arguing for justice for her?""I'm not happy about this at all," he continued, adding it was "not acceptable."The lawsuit was brought by immigrants only referred to by their pseudonyms in court: Grace, Mina, Gina, Mona, Maria, Carmen and her daughter J.A.C.F. and Gio.After the hearing, Sullivan issued an emergency order halting the deportation of any of the immigrants as he considers whether he has broader authority in the case.Sullivan also ordered that if the two being deported were not returned, Sessions, Homeland Security Secretary Kirstjen Nielsen, Citizenship and Immigration Services Director Lee Francis Cissna and Executive Office for Immigration Review Director James McHenry would have to appear in court and say why they should not be held in contempt.The lawsuit brought by the ACLU is challenging a recent decision by Sessions to make it nearly impossible for victims of domestic violence and gangs to qualify for asylum in the US. That decision was followed by implementation guidance from the Department of Homeland Security that almost immediately began turning away potentially thousands of asylum seekers at the southern border.According to their lawsuit, Carmen and her young daughter came to the US from El Salvador after "two decades of horrific sexual abuse by her husband and death threats from a violent gang." Even after Carmen moved away from her husband, he raped her, stalked her and threatened to kill her, the lawsuit states. Further, a gang held her at gunpoint in May and demanded she pay a monthly "tax" or they would kill her and her daughter. Carmen knew of people killed by their husbands after going to police and by this gang and thus fled to the US.But at the border, the government determined after interviewing her that she did not meet the "credible fear" threshold required to pursue an asylum claim in the US, and an immigration judge upheld that decision.The ACLU is using Carmen's story and the similar experiences of the other immigrants to challenge Sessions' ruling on asylum. 4473
A low credit score doesn’t have to stand in your way if you want to get a personal loan to cover an emergency or consolidate your debts.Borrowers with bad credit, which is a FICO score below 630, may need to put in some extra work to qualify for a personal loan. But taking these steps can not only help you get approved, they could also get you a cheaper interest rate.Clean up your credit, shrink your debtBefore you apply for a personal loan, get a copy of your credit report to see what the lender will see on it, says Adrienne Ross, a Washington-based certified financial planner. You can get one free copy of your report from all three major credit bureaus at annualcreditreport.com.The details on your credit report can show you why your score is low and signal how to address the issues before a lender sees it.For example, a past-due account is likely a red flag to a lender, but you’ll have a better chance of qualifying if you can spot it and make the payment before you apply, Ross says.Lenders also consider the percentage of your monthly income that goes toward debt payments, called your debt-to-income ratio. You’ll need a DTI below 50% to qualify with most lenders, and lower is often better.If you don’t urgently need the loan, pay down debt before you apply, Ross says. Not only will lower outstanding balances reduce your DTI, they will also lower your credit utilization, which is the amount of your available credit you use and a main factor in your credit score calculation.Add a co-signer or collateralA quicker solution may be to choose a lender that allows you to add a co-signer. A willing friend or family member with good credit and strong income can help you get approved, says Thomas Rindahl, a CFP with TruWest Wealth Management Services in Arizona.Tread lightly with co-signed loans, he says, because the person you add to your application will be required to pay the loan if you can’t.Some lenders may also offer secured personal loans that require you to pledge something you own such as a vehicle or savings account, he says. Borrowers with fair or bad credit may have a better chance of qualifying and getting better rates with a secured loan, but the lender can seize the collateral if you don’t make your payments.Make a repayment planChoose a lender that reports your loan payments to the credit bureaus, as this can help you build credit, Ross says. This means the next time you borrow money or apply for a credit card, you could get a lower rate.But because lenders report both on-time and missed payments, your ability to make them will determine if your credit improves or worsens.Be prepared to ask questions about rates, terms and extra fees so you understand exactly what you’ll owe each month and when you’ll owe it, Ross says. Knowing that will help you make a plan to manage your payments.Even with a solid payment plan, you could end up late on one or two payments along the way. Since lenders don’t immediately report late payments to the credit bureaus, Ross says, make the payment as quickly as possible to avoid the hit to your credit.Compare lendersComparing offers from online lenders, banks and credit unions can help you find the best rate and features for your situation.Some online lenders offer personal loans specifically for borrowers with low credit scores. Look for reputable lenders that cap their annual percentage rates at 36%, which consumer advocates and financial experts say is the highest rate an affordable loan can have.Bad-credit borrowers will likely qualify for rates close to a reputable lender’s rate cap, but nowhere near the 300% or higher APRs that payday lenders offer.Online lenders may also let you pre-qualify with a soft credit check, allowing you to see what rate and loan amount you could get without hurting your credit score. Many banks and credit unions require borrowers to formally apply to see their offer, triggering a hard check that can cause a temporary dip in your score. Some online lenders can also fund a loan the same or next day, while a bank could take a week or more.On the other hand, your community bank or credit union may be more willing to consider the circumstances if a recent misunderstanding or years-old issue is keeping your credit score down, Rindahl says.“An online lender might have competitive rates, and it might be easy because you can do your application at home, but if you don’t fit their algorithm, you don’t fit their algorithm,” he says. “Your local institution, whether it’s a credit union or bank, is much more likely to look at the person as a whole,” he says.More From NerdWallet4 Steps to Pre-Qualify for a Personal LoanBoost Your Chances of Getting Your Personal Loan ApprovedHow to Get a Personal Loan in a COVID-19 EconomyAnnie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. 4850

A long-running dispute between scouts has now ended up in a Manhattan court.The Girl Scouts of the USA has filed a trademark infringement lawsuit against the Boy Scouts of America after it announced that it would drop "boy" from the name of a program in 2019. The boys' group has already begun to welcome older girls.The Girl Scouts said in the complaint filed in Manhattan federal court Tuesday that the Boy Scouts do not have the right to use "scouts" or "scouting."It also alleged that the Girl Scouts brand and activities will be marginalized by the Boy Scouts rebranded program, Scouts BSA. 603
A law class at Georgia State University will focus on the life and career of "Real Housewives of Atlanta" star Kandi Burruss this upcoming semester.In a press release, the university said the singer, songwriter, actress, and entrepreneur will be the subject of Professor Mo Ivory's course of Entertainment, Sports, and Media Law Initiative, which prepares students for Georgia’s growing entertainment industry.“I chose Kandi because she has an amazing career, which spans every aspect of the entertainment industry from music, television, and live performance to licensing, apparel, and more,” Ivory said in the news release. “I wanted to study a woman this time around, and having worked with Kandi in the past, I knew she was the perfect choice. She handles her business and it shows with her success, but all the while she’s completely approachable and willing to share her lessons learned. I couldn’t be happier for my students to learn the law through Kandi’s career.”The course, which began in 2018, focused on the life of rapper and actor Ludacris last year.“I am honored to be part of this year’s curriculum at Georgia State University College of Law,” Burruss said in the release. “Attorneys are among the most important members of your team. It’s imperative you have the right lawyers around you to assist in making the best decisions. Every contract you sign is building towards your overall dreams and goals. I’m excited to see the students get a first-hand look into some of the contracts that have shaped my career thus far.”According to the school, students will study the business contracts the Grammy Award-winning songwriter has had through the years. 1677
A locked-down pandemic-struck world cut its carbon dioxide emissions this year by 7%, the biggest drop ever, new preliminary figures show.The Global Carbon Project, an authoritative group of dozens of international scientists who track emissions, calculated that the world will have put 37 billion U.S. tons (34 billion metric tons) of carbon dioxide in the air in 2020. That’s down from 40.1 billion US tons (36.4 billion metric tons) in 2019, according a study published Thursday in the journal Earth System Science Data.Scientists say this drop is chiefly because people are staying home, traveling less by car and plane, and that emissions are expected to jump back up after the pandemic ends. Ground transportation makes up about one-fifth of emissions of carbon dioxide, the chief man-made heat-trapping gas.“Of course, lockdown is absolutely not the way to tackle climate change,” said study co-author Corinne LeQuere, a climate scientist at the University of East Anglia.The same group of scientists months ago predicted emission drops of 4% to 7%, depending on the progression of COVID-19. A second coronavirus wave and continued travel reductions pushed the decrease to 7%, LeQuere said.Emissions dropped 12% in the United States and 11% in Europe, but only 1.7% in China. That’s because China had an earlier lockdown with less of a second wave. Also China’s emissions are more industrial based than other countries and its industry was less affected than transportation, LeQuere said.The calculations — based on reports detailing energy use, industrial production and daily mobility counts — were praised as accurate by outside scientists.Even with the drop in 2020, the world on average put 1,185 tons (1,075 metric tons) of carbon dioxide into the air every second.Final figures for 2019 published in the same study show that from 2018 to 2019 emissions of the main man-made heat-trapping gas increased only 0.1%, much smaller than annual jumps of around 3% a decade or two ago. Even with emissions expected to rise after the pandemic, scientists are wondering if 2019 be the peak of carbon pollution, LeQuere said.“We are certainly very close to an emissions peak, if we can keep the global community together,” said United Nations Development Director Achim Steiner.Chris Field, director of the Stanford Woods Institute for the Environment, thinks emissions will increase after the pandemic, but said “I am optimistic that we have, as a society learned some lessons that may help decrease emissions in the future.”“For example,” he added, “as people get good at telecommuting a couple of days a week or realize they don’t need quite so many business trips, we might see behavior-related future emissions decreases.”___Follow AP’s climate coverage at https://www.apnews.com/Climate___Follow Seth Borenstein on Twitter at @borenbears .___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 3048
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