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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 home that served as the exterior to the hit show "The Golden Girls" is on sale in California for .9 million.According to the listing, the four-bedroom home was built in 1955 by award-winning Hawaiian architects Johnson and Perkins."Natural colors and textures create a tranquil atmosphere and sliding shoji screens, and built-in cabinetry subtly defines space," the listing stated. "Pristine original oak floors and the original turquoise, avocado, and yellow kitchen are among the beautifully preserved period details." 534

The month of March for Diana Berrent was one she could’ve done without. The 46-year-old woman was one of the first people in New York State to catch COVID-19.To this day, she's still living with residual symptoms six months later.“COVID is supposed to go away like the flu, and it’s not necessarily going away after two weeks,” she explained.In an effort to help find treatments and develop a vaccine, Berrent has been donating plasma as often as she can. It's in her antibodies, where the key to fighting this virus may lie.Dr. Wesley Self, a researcher at Vanderbilt University Medical Center, has spent the last few months trying to figure out what antibodies are telling us about COVID-19 and how to fight it.“Understanding how the immune system responds to the virus will help development of the vaccines,” Dr. Self said.Dr. Self and his colleagues spent the last few months studying 3,000 people. All of them were healthcare workers who had tested positive for COVID-19. They found that a majority of people who had the most severe cases started out with the most antibodies. But the study also found after 60 days, almost everyone who had coronavirus lost all antibodies.That could be bad news when it comes to our bodies' ability to fight off the virus a second time.“The antibodies are one piece of the immune system. It’s possible they’ll ramp up again quickly and prevent reinfection,” Dr. Self added.All of this also means researchers now need to get blood samples from people fairly quickly after they're infected before antibodies disappear.“We need to be thoughtful about vaccines and treatments that are specific for this virus,” he said. 1662

The Presidential Inaugural Committee, which consists of prominent Democrats helping to organize next month’s inauguration, are encouraging Americans to stay away from DC and watch the inauguration from home.The quadrennial inauguration of a president and vice president is typically attended by hundreds of thousands. The committee says in light of the pandemic, a large gathering should be avoided.While the committee said details will be released in the coming days, inauguration organizers said that the ceremony’s footprint will be extremely limited."Our goal is to create an inauguration that keeps people safe, honors the grand traditions of the Presidency, and showcases the Biden-Harris Administration’s renewed American vision for an inclusive, equitable, and unified citizenry,” said PIC CEO Tony Allen in a statement.While the organizers did not say the inauguration parade would be canceled, organizers said it would be “re-imagined.”Earlier this month, President-elect Joe Biden said he envisioned an inauguration akin to the virtual Democratic National Convention, which was held in August."First and foremost in my objective is to keep America safe but still allow people to celebrate," Biden said. "To celebrate and see one another celebrating."Other Inauguration Day events, such as the signing ceremony and luncheon the new president has with congressional leaders, are still unknown. As of now, the Joint Congressional Committee on Inaugural Ceremonies is unaware of any restrictions related to the pandemic. Those wishing to get a spot to view Biden’s inauguration can still request tickets to the event through their member of Congress.Another sign that the pomp and circumstance of this year’s inauguration will look different is this could be the first time in US history that a presidential inauguration fails to result in a smooth transfer of power. Outgoing President Donald Trump has continued to allege the election was stolen from him despite dozens of failed lawsuits and no formal prosecutions of widespread fraud.It has been a long-standing tradition that the incoming and outgoing president meet at the White House and travel to the Capitol together before the inauguration.On Monday, Biden issued his strongest condemnation of Trump’s refusal to concede the election."It is my sincere hope we never again see anyone subjected to the kind of threats and abuse we saw in this election. It's simply unconscionable. We owe these public servants a debt of gratitude. They didn't seek the spotlight, you know, and our democracy survived because of them,” Biden said. 2602

The Mountain West Conference became the second conference from college football’s top division to postpone the 2020 football season citing coronavirus concerns on Monday.As part of its announcement, the Mountain West also announced that all fall sports will be postponed.Curt Apsey, the director of athletics at perennial Mountain West power Boise State, supported the decision. "Despite everything that has been thrown in their way over the last several months, our student-athletes, coaches and staff had been preparing for a 2020 season," Apsey said. "They were ready for every possible uncertainty, but in the end, the physical and mental well-being of student-athletes across the conference necessitated today’s announcement."On Saturday, the Mid-American Conference became the first NCAA Football Bowl Subdivision league to postpone the 2020 season. The two conferences are among 10 that comprise the FBS.Meanwhile, leaders from what is known as the Power 5, which are the Big 12, Big 10, Pac-12, SEC and ACC, have been discussing the upcoming season. The potential of postponing the season has prompted a number of top players and coaches to push for universities to allow play this fall, despite concerns over the coronavirus.Most Power 5 conference teams previously announced the suspension of nonconference games in lieu of playing a conference-only schedule. 1377