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Claire's has filed for bankruptcy. The hub for ear piercings at malls across America is the latest retailer to succumb to its massive pile of debt.Claire's, which says it has pierced more than 100 million ears around the world, reached a restructuring agreement with its creditors. In a Chapter 11 bankruptcy filing on Monday, Claire's said it will reduce its by debt .9 billion. It held .1 billion in debt at the end of 2017.The company will continue to operate its approximately 1,600 Claire's and Icing brand stores in the United States during the bankruptcy process and expects to complete it by September. International stores are not part of the restructuring agreement."This transaction substantially reduces the debt on our balance sheet," Claire's CEO Ron Marshall said in a statement. "We will complete this process as a healthier, more profitable company." Marshall came from now-defunct bookstore chain Borders. Claire's struggles stem from a deal it struck more than a decade ago that left it burdened with debt.In 2007, Apollo Management, a private equity firm, bought Claire's for .1 billion and took the company private in what's known as a leveraged buyout.Claire's could never escape its debt load. As traffic slowed to its brick-and-mortar stores, shoppers moved to digital channels and fast fashion chains such as H&M, Zara and Forever 21 chipped away at sales.Claire's joins a long line of retailers that have filed for bankruptcy in recent years, including Toys "R" Us, Payless Shoes, Gymboree, Rue21, The Limited and RadioShack.Toys "R" Us, another company left deep in debt from a leveraged buyout, said last week that it was liquidating its 735 stores in the United States.Claire's believes a lighter balance sheet will help it avoid Toys "R" Us' fate and still remain a "Girl's Best Friend." And the company says its business is Amazon-proof because you can't pierce your ears online.The-CNN-Wire 1940

CLEVELAND — Chadwick Boseman’s death is putting the spotlight on colorectal cancer.Doctors are concerned about the alarming increase in patients between the ages of 25 and 45 years old who are being diagnosed with colorectal cancer.“I’m seeing younger and younger patients. 22-year-olds, 25-year-olds, 26-year-olds, and it’s left all of us a little bit puzzled as to why this is happening,” said Dr. Alok Khorana with the Cleveland Clinic.Carole Motycka went to the doctor for shoulder pain four years ago.“He ordered some tests and it turned out I had a lot more going on than I anticipated,” Motycka said.Motycka was 42 years old when she was diagnosed with colon cancer. She is now on a mission to bring attention, awareness and education to the disease and the increase in younger patients.“Two decades ago, this was widely recognized as a disease in older people,” said Khorana. He said there has been a substantial increase. “Maybe 100% increase, but rates are still very low,” he explained.Colon cancer is much more common among older people. Black men also have higher rates of the disease.There has been a decrease in colon cancer rates among people 50 years old and above, while an increase in the 25-45 age group. Most young patients do not have a family history of the disease.Experts believe catching colon cancer early is the key to survival. But young people are typically diagnosed much later, and Khorana said the cancer seems to be more aggressive.Doctors don’t yet know what is causing the spike in young people.“There are a lot of clues. There’s been an obesity epidemic in the younger population that came 10 to 20 years before the rise in colon cancer,” said Khorana. “A second clue offered is antibiotic use in young people,” he added.Boseman, who played superhero Black Panther on screen, fought a battle off-screen against colon cancer privately for four years.“It’s sad to know it had to happen to have awareness take place but also it’s good to know we can have the conversation on a bigger platform and stage,” said Motycka.Click here for a look at symptoms of colon cancer. This story originally reported by Tracy Carloss on News5Cleveland.com. 2182

CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

CLEVELAND - What's more awesome than watching elephants at the Cleveland Metroparks Zoo? How about watching elephants chow down on a 1,300-pound pumpkin to kick off the second weekend at Boo at the Zoo.Boo at the Zoo is an annual fall event, currently in its 29th year. The event gives visitors a chance to watch all of their favorite animals being fed, attend a Monster Mash Dance Party, or take part in Trick or Treating and other family-friendly activities.  479

COACHELLA, Calif. (KGTV) -- The woman arrested for dumping puppies in a trash can in Coachella was sentenced to a year in jail, according to KABC. Deborah Sue Culwell, 59, pleaded guilty to animal cruelty and abandonment charges. Culwell was arrested after surveillance video captured a white jeep pull up behind a store on the 49000 block of Grapefruit Boulevard as a woman exited with a plastic bag. The video then shows the woman dumping the bag between trash cans.RELATED: Woman caught on video dumping bag of puppies in CoachellaInside the bag were seven puppies, all about three days old and believed to be terrier mixes.An employee at the store contact animal services after a passerby discovered the bag next to the .“The Good Samaritan played a major role in saving theses puppies’ lives,” Department of Animal Services Commander Chris Mayer said. “His actions were humane and heroic.”“There is no excuse for dumping puppies,” Mayer added. “Especially in today’s age when we or other shelters would be willing to get these animals to foster parents or rescue partners. This was a shameful act.”All but one of the puppies survived, according to KABC. 1168

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