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The head of United States Customs and Border Protection said border agents "prevented a dangerous situation getting worse" when they fired tear gas at a group of migrants who rushed the US-Mexico border Sunday.CBP Commissioner Kevin McAleenan told reporters Monday that as many as 1,000 people that were part of a migrant caravan traveling through Central America and Mexico sought to enter the US illegally.He said that according to CBP's initial report, 69 people were apprehended entering the US. McAleenan said he was not aware of any successful illegal entries by caravan members into the US."[CBP] effectively managed an extremely dangerous situation involving over 1,000 individuals who sought to enter the US unlawfully in large groups. They did so safely and without any reported serious injuries on either side of the border," McAleenan said.Sunday's incident marked an escalation of tensions that have been mounting since groups of Central American migrants began arriving in Tijuana a few weeks ago on their journey to attempt to gain entry to the US. The incident began with a march to the border that organizers said would be peaceful. In response, CBP deployed additional personnel to San Ysidro, California, on Sunday in expectation of demonstrations on both sides of the border.McAleenan said individuals breached the border fence to the east of San Ysidro and some went west and sought to enter through the Tijuana River channel. He described "assaultive behavior" by some migrants in both locations. Border Patrol agents countered using "less lethal devices," which included tear gas and "other projectiles," but not rubber bullets. He said CBP does not have rubber bullets in its inventory on the border.McAleenan said, per protocol, the decision to fire was made by agents on the scene using their professional judgment, and also per protocol the incident will be reviewed. He also described CBP as having responded with use of force to primarily adult males throwing rocks.However, video of the scene also showed a cloud of tear gas that sent people running and screaming, including families with young children.Four agents were hit with rocks, but because of their protective gear they were not seriously injured, McAleenan said.Sunday's melee closed one of the world's busiest international crossings, San Ysidro Port of Entry, near San Diego, to vehicle and pedestrian traffic for several hours. By Sunday afternoon, CBP reopened crossing lanes in both directions to pedestrians and vehicles.On the other side of the border in Mexico, Tijuana police had arrested 39 people by Sunday night, the agency said on Facebook. 2651

The Miami Police Department said they are investigating an incident involving an officer in uniform who was spotted wearing a pro-Trump mask inside a polling site.According to the Miami Herald, the officer was spotted wearing the mask inside a polling site, which under state statute, is not allowed during an election if they are endorsing a candidate.The picture of the officer was taken by Steve Simeonidis, who according to Buzzfeed News is the Chair of Miami-Dade Democrats.The police department said in a tweet that they are aware of the photograph and this type of behavior is "unacceptable, a violation of departmental policy, and is being addressed immediately." 679

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 government’s leading infectious disease expert told CNN on Thursday that the NFL will need to take significant steps in order to conduct a season this fall.During an interview with CNN, Dr. Anthony Fauci said that the NFL will need to consider playing games in a “bubble,” much like how the NBA and MLS plan on resuming their seasons later this summer."Unless players are essentially in a bubble -- insulated from the community and they are tested nearly every day -- it would be very hard to see how football is able to be played this fall," Dr. Fauci told CNN. "If there is a second wave, which is certainly a possibility and which would be complicated by the predictable flu season, football may not happen this year."Dr. Fauci's comments come as several states, including Arizona and Florida have seen a jump in coronavirus cases. As of now, the NFL continues to plan on playing games in home stadiums.But decisions on moving forward will need to be made in the coming weeks, with training camp starting in a month, and preseason games in August.NFL chief medical officer Dr. Allen Sills told the NFL Network that placing NFL players in a “bubble” was not realistic. The number of players and coaches employed by the NFL is considerably higher than the MLS and NBA."Dr. Fauci has identified the important health and safety issues we and the NFL Players Association, together with our joint medical advisors, are addressing to mitigate the health risk to players, coaches and other essential personnel," Sills said in a statement to the NFL Network."We are developing a comprehensive and rapid-result testing program and rigorous protocols that call for a shared responsibility from everyone inside our football ecosystem. This is based on the collective guidance of public health officials, including the White House task force, the CDC, infectious disease experts, and other sports leagues."Make no mistake, this is no easy task. We will make adjustments as necessary to meet the public health environment as we prepare to play the 2020 season as scheduled with increased protocols and safety measures for all players, personnel and attendees. We will be flexible and adaptable in this environment to adjust to the virus as needed." 2249

The pandemic has not deterred people from spending money during the holidays this year.According to Mastercard SpendingPluse, holiday retail sales were about 3% higher in 2020 than they were a year ago.“American consumers turned the holiday season on its head, redefining ‘home for the holidays’ in a uniquely 2020 way. They shopped from home for the home, leading to record e-commerce growth,” said Steve Sadove, senior advisor for Mastercard and former CEO and Chairman of Saks Incorporated said in a press release. “And, consumers shopped earlier than ever before. Across our expanded 75-day holiday shopping season, sales were up 3.0%, a testament to the holiday season and strength of retailers and consumers alike.”Mastercard said that between Oct. 11 and Dec. 24, online spending was up 49%, with sales on furniture and home improvement items also seeing an increase.Online furniture sales grew 31% compared to last year, and home improvement items were up 79%, Mastercard said.Sales for department stores and clothing brands were down this year, with apparel declining 19% and overall sales at department stores fell 10%. 1137