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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 number of coronavirus-related deaths in the United States passed 250,000 on Wednesday as more than 1,000 people are dying from the virus per day in the US this month, according to Johns Hopkins University data.The first coronavirus-related death in the US came on February 29.The solemn milestone lands as coronavirus cases reach peak levels throughout the US, forcing governors to reimpose shutdowns and bolster mask mandates. The virus has been particularly deadly in the nation’s heartland, with hospitals in the Midwest full with COVID-19 patients. Nearly 77,000 Americans were in the hospital on Tuesday battling coronavirus symptoms, according to the COVID Tracking Project. Johns Hopkins reported 1,707 COVID-19 related deaths in the US on Tuesday, marking the deadliest day for the virus in six months.The US passed the 200,000 coronavirus-related death mark on September 21. The US has approximately averaged 862 coronavirus-related deaths since then.Here is where the US reached previous milestones.November 18: 250,000September 21: 200,000July 28: 150,000May 23: 100,000April 23: 50,000February 29: 1The University of Washington’s IHME model projects that the US will reach 300,000 coronavirus deaths on December 22.According to JHU, the US represents 19% of global coronavirus deaths despite only having 4% of the world's population. 1358

The leaders of North and South Korea will meet on April 27 for the first time since 2007, the two countries announced Thursday after high-level talks.The landmark meeting between President Moon Jae-in and Kim Jong Un will be held at Freedom House on the southern side of the Demilitarized Zone (DMZ), according to the joint statement issued after the talks.Officials from both sides will hold working-level talks on April 4 to prepare for the meeting and agree on security and media arrangements, it added.The summit will be seen as a victory for Moon, who has long been pushing hard for diplomatic relations with North Korea. He said at his swearing-in ceremony in 2017 "for peace on the Korean Peninsula, I will do everything that I can do."The last Inter-Korean summit was held in October 2007, when then President Roh Moo-hyun met Kim's father, Kim Jong Il.  875

The jurors who convicted James Fields of murder could soon decide whether they think he should spend the rest of his life behind bars.Fields, 21, was attending last year's "Unite the Right" rally in Charlottesville, Virginia, when counterprotesters demonstrated against the white nationalists. That afternoon, Fields got in his Dodge Challenger and plowed into the counterprotesters at about 28 mph, killing 32-year-old Heather Heyer.The Charlottesville jury found Fields guilty of first-degree murder Friday. Fields was also found guilty of eight counts of malicious wounding and one count of failing to stop at an accident involving a death.On Monday, jurors will begin the sentencing phase of Fields' trial. Ultimately, Judge Richard Moore will decide Fields' sentence, but will consider the jury's recommendation.Jurors are expected to hear victim impact statements, possibly from Heyer's family or surviving victims from the August 2017 attack.Heyer, a 32-year-old paralegal, was devoted to helping people and had a passion for justice, her family said.Heyer's friend Marissa Blair attended the counterprotest with her and said Heyer fought against bigotry."If you knew Heather, you would know that she loves everyone and all she wants is equality for everyone, no matter who you love, no matter what color you are," Blair said.It's not clear when the judge will formally sentence Fields for the murder of Heyer.But in addition to the state charges, Fields also faces 30 federal hate crimes charges. The next step in his federal case is a status conference on January 31.The-CNN-Wire 1596

The House Intelligence Committee on Saturday released a Democratic memo in redacted form that seeks to undercut Republican claims of FBI surveillance abuses.The committee made the Democratic memo public after the White House signed off following negotiations between the FBI and the committee's top Democrat, Rep. Adam Schiff of California, over what in the document should be redacted.Earlier this month, the White House objected to releasing the memo, saying that sensitive material had to be removed first.  523