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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 NBA season is set to resume next week in Orlando, Florida, and the league’s court is ready for the resumption of play.On Tuesday, the NBA unveiled a court painted with “Black Lives Matter” at center court in front of the scorers’ table. Fans will get to watch the courts put to use beginning tomorrow as teams will hold scrimmages on the court.Twenty-two of the league’s 30 teams will conclude the season in Orlando after a four-month hiatus.During the league’s coronavirus hiatus, the country has faced unrest following the death of George Floyd while in police custody on Memorial Day. Since then, the league and its players said they'll work on ways to spotlight social justice.“Our platform in Orlando presents a unique opportunity to extend the ongoing fight against systemic racism and police brutality in this country,” NBPA Executive Director Michele Roberts. “We will continue to work with our players and the League to develop specific plans in Orlando as well as long-term initiatives to bring about real change on these issues.” 1052

The person who stabbed five people in Paris on Saturday night, killing one, yelled the Arabic phrase "Allahu Akbar," meaning "God is great," during the attack, city prosecutor Fran?ois Molins told reporters at the scene.Authorities have opened a terrorism investigation, he said.Four people were wounded during the knife attack in the touristy 2nd arrondissement, or district, of Paris. It happened around 9 p.m. (3 p.m. Eastern), a time when streets and sidewalks were filled with people. 497

The long-running tv series “COPS” is filming again, however viewers in the US may not get to see the episodes.Last week, the Spokane County Sheriff’s Office said two “COPS” film crews were riding with their deputies in September and will be with them through the first week of November.“We have a longstanding relationship with COPS and Langley productions, and we are pleased they have decided to return, highlighting the outstanding work our Deputies provide to all of you,” the statement from the sheriff’s office said.“They show the hard work and professionalism of law enforcement, despite what some anti-law enforcement activists and those in the media want you to believe,” Sheriff’s Ozzie D. Knezovich is quoted as saying in the release about “COPS”.The show was canceled on Paramount Network in early June, as demonstrations focused on police tactics and violence against Black people grew in several cities following the deaths of Breonna Taylor, Ahmaud Arbery and George Floyd, among others.“Cops’ is not on the Paramount Network and we don’t have any current or future plans for it to return,” a Paramount Network spokesperson said in a statement to Variety in June.The new episodes being filmed in Spokane are likely destined for foreign markets. A spokesperson from Langley Productions told The Hollywood Reporter that the episodes being filmed now are to fulfill commitments in international territories where “COPS” still airs.There is no update on the “COPS” website or social media channels.“COPS” began its run on the fledgling FOX network in 1989, being a huge boon for the young network. The program was unique for embedding cameras within police departments, showing the work of officers throughout the US.But FOX dropped the program amid declining ratings, and was later picked up by Spike, which was later renamed Paramount Network. 1864

The government of the Democratic Republic of Congo declared an outbreak of Ebola hemorrhagic fever, a rare and deadly disease, on Tuesday, the World Health Organization reported. The declaration came after laboratory results confirmed two cases of the disease in the province of Bikoro."Our top priority is to get to Bikoro to work alongside the Government of the Democratic Republic of the Congo and partners to reduce the loss of life and suffering related to this new Ebola virus disease outbreak," said Dr Peter Salama, WHO Deputy Director-General, Emergency Preparedness and Response. "Working with partners and responding early and in a coordinated way will be vital to containing this deadly disease."This is Congo's ninth outbreak of Ebola virus disease since the discovery of the virus in the country in 1976. In the past five weeks, there have been 21 suspected cases of viral hemorrhagic fever, including 17 deaths.Ebola virus disease, which most commonly affects people and nonhuman primates (monkeys, gorillas and chimpanzees), is caused by one of five Ebola viruses.The WHO said it is working closely with the government to rapidly scale up its operations and mobilize health partners, including Medicin sans Frontieres (Doctors Without Borders), using the model of a successful response to a similar Ebola outbreak in 2017.  1352

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