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The police officer who handcuffed and arrested a nurse for refusing to go against the hospital's policy on drawing blood said through an attorney that he would like to personally apologize for the incident, KUTV reported. Detective Jeff Payne faced criticism for the way he handled an incident in July where he requested hospital employees to draw blood from an unconscious driver who had just been in an accident without that driver's permission or a warrant. The hospital, citing legal precedent, has a policy of not drawing blood without permission or a court-ordered warrant. When nurse Alex Wubbels refused to draw blood, she was handcuffed and placed in the back of a police cruiser. "Jeff would love the chance to sit down and apologize for what happened here," attorney Greg Skordas told KUTV. "If he could do this over he would do it over differently."Payne, along with another officer, were placed on administrative leave by the Salt Lake City Police Department after video of the incident went viral. The department has also since updated it policy regarding blood draws."I think he would love the chance to talk to people about what happened and why it happened and how he would do it differently," Skordas told KUTV. 1262

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 original Oktoberfest can be traced back to the early 19th century in Munich, Germany.Since then, cities across the United States celebrate the festival of German heritage.WalletHub compared the 100 largest U.S. cities based on 23 indicators of Oktoberfest friendliness and fun, and chances are, you can find one of these celebrations near you. 355

The impact of the pandemic appears to have reached the North Pole. For this holiday season, Santa may be stuck behind Plexiglas. Malls across the country are planning pandemic-minded visits to help prevent the spread of the coronavirus.Mall Santa Steve Miller has been putting on the red suit full-time for four years.“I prefer to do the mall, because I do it for the kids,” sad Miller.But this year, there won’t be any hugs or sitting on Santa’s knee.“Because of the virus, it's going to take a little of fun out of it, but it's going to be much more safe, which is the number one thing that we want,” said Miller.Appearances by St. Nick at malls, corporate events and private appearances is a holiday tradition that’s already being impacted by the pandemic.“We've been working with a lot of retailers as well as malls too. How can we still have the experience of Santa, but keep everybody safe?” said Mitch Allen, founder of HireSanta.com.According to entertainment staffing firm Hire Santa, bookings that usually peak beginning in early November were down 95% due to coronavirus concerns. But after advertising their safety efforts, demand is up 20% compared to this time last year.“The Santa Claus entertainers, as you can imagine, they're a high-risk group. So, we want to make sure that Santa's safety is our number one priority,” said Allen.Allen says they’ve developed a Plexiglas "Santa shield" that creates a physical barrier to allow for photos with Santa.“We at HireSanta.com are also working on virtual Santa visits where you can literally visit with Santa within the confines of your own home,” said Allen.Brookfield Properties, the second largest operator of U.S. malls, says it will host Santa in 134 of its 150 plus malls with "touchless experiences."Santa’s Village, a popular Illinois amusement park temporarily shut down by the pandemic, is taking Santa on the road.“For over 60 years, boys and girls have come to the house here in the park to visit me. But now we're going to take my house to your house,” said the amusement park’s Santa Claus.Their mobile Santa home has a separate entrance and exit to maintain social distancing, and a working fireplace will keep visitors warm and plenty of masks and "Santa-tizer" will be on hand as well.“It's great, because we can actually bring again that magic from the park to people's individual homes in local communities,” said Santa’s Village marketing director Brian Wright. “That way people can actually have a personalized visit with Santa.”Whether behind Plexiglas or inside a traveling "One North Pole," changes are afoot to ensure that Santa Claus is still coming to town. 2653

The number of Americans newly diagnosed with the coronavirus is falling — a development experts say most likely reflects more mask-wearing but also insufficient testing — even as the disease continues to claim nearly 1,000 lives in the U.S. each day.About 43,000 new cases are being reported daily across the country, down 21% from early August, according to data compiled by Johns Hopkins University. While the U.S., India and Brazil still have the highest numbers of new cases in the world, the downward trend is encouraging.“It’s profoundly hopeful news,” said Dr. Monica Gandhi, an infectious-diseases expert at the University of California, San Francisco, who credits the American public’s growing understanding of how the virus spreads, more mask-wearing and, possibly, an increasing level of immunity.“Hopefully all those factors are coming into play to get this virus under control in this country that’s really been battered by the pandemic,” she said.But insufficient testing is probably concealing the full extent of the crisis, said Dr. Jonathan Quick, who leads the pandemic response for the Rockefeller Foundation, which has recommended the U.S. test 4 million people a day by fall.“We’re grossly under-testing in some of the places that are still having high caseloads,” Quick said, singling out Mississippi, Texas, Georgia and North Dakota as hot spots with high rates of positive test results.Even at 43,000 new cases per day, the U.S. remains far above the numbers seen during the spring, when new daily cases peaked at about 34,000, he said.“It’s a good trend, but nowhere near what we need to be,” Quick said of the recent decline.The virus is blamed for more than 5.7 million confirmed infections and about 178,000 deaths in the U.S. Worldwide, the death toll is put at more than 810,000, with about 23.7 million cases.Jeffrey Shaman, a public health expert at Columbia University, said he is skeptical enough people are immune to significantly slow the spread. But he agreed that changes in Americans’ behavior could well be making a difference, recalling the impact that people’s actions had in containing Ebola in West Africa several years ago.“Ebola stopped for reasons we didn’t anticipate at the time. It was so horrifying that people stopped touching each other,” Shaman said. Something similar may be happening with the coronavirus, he said.“I know I don’t have nearly the number of contacts that I used to,” Shaman said. “But if we relax that, if we get complacent, will we just see another outbreak?”The decline in newly reported cases in the U.S. comes even as deaths from the virus remain alarmingly high. Officials have reported an average of 965 deaths per day from COVID-19 recently, down from 1,051 deaths a day in early August.Deaths from the coronavirus are a lagging indicator — they trail new infections because of the time it takes for people to get sick and succumb to the disease.The percentage of tests coming back positive for the disease has also declined over the past two weeks, from 7.3% to 6.1%. But that comes as the total number of tests administered has fallen from its August peak of more than 820,000 a day, leveling off in recent weeks at about 690,000 a day.The situation has improved dramatically in several states that struggled with high caseloads earlier this summer.In Arizona, for example, officials reported 859 new cases Tuesday, down from a peak of 5,500 in late June. More than 2,000 people arrived at the state’s hospitals showing symptoms of the virus on a single day in early July. This week, that number has been less than 1,000.In Florida, where more than 10,000 people have died, the state reported 2,600 new virus cases Tuesday. Earlier in the summer, it was regularly reporting more than 10,000 new cases.Malinda Coler, 37, of San Francisco, said she has been diligent about mask wearing and other preventive measures, less to protect herself than a best friend who has a compromised immune system, with severe arthritis psoriasis.“So I wear a damned mask and get infuriated when others don’t,” she said.Most states now have some type of mask requirement, either through statewide orders issued by governors or from city and county rules that cover most of their population.Even some conservative governors have gone along with masks. Mississippi Gov. Tate Reeves mandated masks in all public places earlier this month, and Georgia Gov. Brian Kemp dropped a lawsuit against Atlanta in a dispute over a requirement by the state’s largest city.In Leeds, Alabama, Will Heath said he has seen greater adherence to mask rules around town, whether in stores or at his 5-year-old daughter’s cheerleading practice.He and his wife, a nurse, have worn masks all along but said the attitude among others has shifted from “Even if I get it, I’ll be OK,” to “Let’s make sure we don’t give it to somebody else.”“We have all been sort of operating under the assumption that we all have it or we’re going to get it eventually. So we want to make sure we don’t spread it,” Heath said.Many places around the U.S. are seeing pockets of contagion, especially in college towns where students are holding parties and crowding into bars.Over the past week, 531 students, faculty and staff at the University of Alabama in Tuscaloosa have tested positive for the virus, according to the school. Alabama said it tested nearly 30,000 students before classes began. The mayor of Tuscaloosa shut down bars for two weeks because of the spike, which could derail plans to continue the semester on campus.The university is still moving ahead with fall sports in the football-crazed state, with plans to allow only about 20,000 fans at its 101,000-capacity stadium and a ban on tailgating. Coach Nick Saban weighed in on the virus Monday, urging people to wear masks.“It’s not just about football. So, for people to make the right choices and decisions to wear their masks, do the things when they’re out publicly, respect the rules, respect the virus, that’s important,” he said.It’s not clear what will happen to case numbers as more school districts bring students back to classrooms and colleges reopen their campuses. In recent weeks, schools including the University of North Carolina, Michigan State and Notre Dame have moved instruction online after outbreaks on their campuses.Officials at the University of Tennessee at Knoxville said four students are facing disciplinary proceedings after three hosted off-campus parties with no mask or other distancing and another left isolation to meet with others despite testing positive for the virus.“If the facts reported to the university are accurate, these students will face at least suspension from the university, and potentially greater penalties,” Chancellor Donde Plowman wrote.___Associated Press writers Mae Anderson, Nicky Forster and John Zenor contributed to this story. 6888