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The next few weeks mark the beginning of serious financial uncertainty for millions of people, because a slew of debt, from income tax payments to several months of rent, are going to be due at the same time. “It is going to be a perfect storm of financial difficulty for many, many people,” said Andrea Bopp Stark, an attorney at the National Consumer Law Center (NCLC).The center recommends three steps for anyone that finds themselves in a financially difficult situation regarding debt.Step one: create a list of priority bills and debt to pay off. “People are going to be barraged with debt collectors calling and trying to get them to pay on a medical debt or a credit card debt, but those debts are less important,” said Stark. “Pay debts that if you didn’t pay them it would cause immediate harm to your family.”Those are things like your rent and a car payment, especially if you need your car to go to work.“If you have a judgment against you, a court judgment against you for a debt, it is important to try and make a payment plan to pay that because creditor could issue a garnishment against your wages,” Stark added. Step two: contact your lender to make a payment plan on those priority debts.“We are seeing data come in that there are people who are delinquent and don’t have a forbearance agreement when they could very easily be in a forbearance agreement,” Stark added. “I know wait times on the phone are horrible right now, but you have to be persistent and get through and find out what help is available.”Data collected by the U.S. Census shows that delinquency rates are higher in communities of color.“It is mostly Black and Latinx borrowers who are not getting these forbearance agreements,” said Stark. “Whether they don’t know about it or nobody is reaching out to them to let them know this is available, we don’t know why but that is a population that is going to be disparately impacted and has already been disparately impacted by this whole crisis.”Step three: find a way to stick to your prioritized debt list. “It may sound obvious but if you have it on paper and you have created a budget, stick that to the refrigerator or wherever, then you know these are the priority spending items,” said Stark. “If your son or daughter say, ‘Oh, I want this or that,' ‘no, look at the fridge these are our priority spending items, sorry.’” Because every situation may not be solved in three steps, the NCLC has now made its in-depth guide to Surviving Debt available for free. It has template letters to send to debt collectors and hundreds of pages of help to get you through this tough time. 2626

The IRS announced this week it has extended the deadline for those who did not file a tax return the last two years to request a ,200 stimulus check. The deadline, which was previously slated for October 15, will now be on November 21.The economic stimulus checks, which millions of Americans received during the spring and early summer, is for most American adults earning less than ,000 a year. The IRS paid the checks out to those who either file an annual tax return or receive government benefits. American adults who are not considered a dependent, such as young adults living at home, and do not file a tax return are required to submit a form to the IRS. The form is available on the IRS’ website."We took this step to provide more time for those who have not yet received a payment to register to get their money, including those in low-income and underserved communities," said IRS Commissioner Chuck Rettig. "The IRS is deeply involved in processing and programming that overlaps filing seasons. Any further extension beyond November would adversely impact our work on the 2020 and 2021 filing seasons. The Non-Filers portal has been available since the spring and has been used successfully by many millions of Americans."As a reminder, here is who is eligible for a stimulus check:,400 – Couples earning less than 0,000 a year (couples earning 0,000 - 8,000 will receive a prorated check).,200 – Individuals earning less than ,000 a year (individuals earning ,000 - ,000 will receive a prorated check).,200 – Heads of households earning less than 2,500 (heads of households earning 2,500 - 6,000 will receive a prorated check).0 - Each dependent child age 16 or under as of Dec. 31, 2019 (for qualifying individuals and couples). 1791

The Miami Dolphins will have some fans cheering them in person when they kick off their season.On Monday, the team announced that 13,000 fans would be allowed at the Sept. 20 home opener when they take on the Buffalo Bills."When we started the process back in March of exploring what a socially-distanced stadium could look like, we made the health and safety of everyone the first priority; knowing that if we felt that we couldn't make it safe, we simply wouldn't have fans," said Miami Dolphins Vice Chairman and CEO Tom Garfinkel in a press release. "We're happy that our elected officials recognize the attention to detail and diligence that we've put into creating a safe environment and that they made the decision to move forward with a 13,000-capacity stadium at this time."In a series of tweets, the team showed off how they are preparing for fans during the coronavirus pandemic: staggered gate entry, entry times listed on tickets, and fans being released one row at a time at the end of the game. 1017

The Pentagon has sent more than 300,000 pounds of Thanksgiving food to US military troops stationed overseas and at the US southern border, the Defense Logistics Agency announced Tuesday.The shipments, which include 9,738 whole turkeys and 67,860 pounds of shrimp, were sent to dining facilities throughout the Middle East, Europe, Africa as well as field kitchens in Texas and Arizona."Many of America's military men and women are away from home this Thanksgiving, making sacrifices to secure our freedom and to protect our southern border," Army Brig. Gen. Mark Simerly said. "The DLA Troop Support staff and I are excited about this amazing opportunity to provide them the very best Thanksgiving meal our country has to offer."Among the staggering amounts of food the DLA is shipping are 74,036 pounds of beef, 21,758 pounds of ham and 7,836 gallons of eggnog.Logistics planning to feed troops on Thanksgiving begins in May, according to Deputy Director of DLA Troop Support Rich Faso."The Troop Support Subsistence team is a dedicated group of employees who take pride in ensuring that deployed service members can experience an enjoyable holiday meal each Thanksgiving," he said.President Donald Trump hailed the troops at the southern border as "tough people" during a press gaggle Tuesday when asked about their work on Thanksgiving."Oh, don't worry about the Thanksgiving," he said. "These are tough people, they know what they're doing and they're great and they've done a great job.""You're so worried about the Thanksgiving holiday for them. They are so proud to be representing our country on the border," he continued.In October, Trump assigned nearly 6,000 troops to the US-Mexico border to deal with a migrant caravan heading toward the US through Mexico. Many in the group reportedly plan to follow legal procedures and seek asylum. 1866

The gunman who went on a rampage in Northern California was a "deranged and paranoid killer" who was out on bail after assaulting two neighbors this year, authorities say.Kevin Neal killed his wife Monday night on the eve of the shootings and stuffed her body under the floor in his home, according to police."We believe that's probably what started this whole event," Assistant Sheriff Phil Johnston said of the wife's shooting. 437

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