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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 National Weather Service confirmed that two EF-0 tornadoes touched down in Fort Lauderdale Tuesday afternoon.According to the National Weather Service in Miami, one tornado touched down in downtown Fort Lauderdale near Andrews Avenue and NE 5th Street at about 3:34 p.m. The tornado, packing winds of 65 mph, knocked over construction fencing and barriers. A minor tree damage was reported near NE 1st Avenue and NE 4th Street.  The NWS says the tornado touched down south of the Tarpon River in the Rio Vista neighborhood, causing tree damages and minor debris, including trash cans.  637

The NAACP has filed a lawsuit against Postmaster General Louis DeJoy, claiming that he is attempting to "disenfranchise voters of color" amid the coronavirus pandemic.The lawsuit, filed Thursday in Washington, D.C. District Court, asks the court to declare DeJoy's recent operational changes as "invalid" and against the law as well prevent DeJoy from implementing further policy changes that were announced on July 10."As the country faces an uphill battle against COVID-19 and systemic racism, we're witnessing a significant onslaught against our postal system at a time when prompt mail delivery matters more than ever, especially for voters of color," Derrick Johnson, the President and CEO of the NAACP, said in a statement. "This willful and blatant attempt to obstruct the mail system amidst a pandemic and on the precipice of a pivotal election is a direct threat to the people of this nation's right to vote in a fair and free election."On Tuesday, DeJoy said in a statement that the USPS would pause the implementation of the proposed operational changes until after the November election. However, it's unclear if the agency would restore any mail sorting equipment that had been taken offline between the July 10 policy changes and Tuesday's statement.President Donald Trump has been staunchly opposed to universal mail-in voting, claiming that such policies would result in widespread voter fraud despite ample evidence to the contrary. Earlier this month, Trump said that he was hesitant to approve more funding for the USPS in order to curb the expansion of mail-in voting. 1596

The gunman behind the Texas church massacre killed his grandmother-in-law during the attack, multiple friends of the woman told CNN.Devin Patrick Kelley had domestic problems and texted his mother-in-law as recently as Sunday morning, not long before he carried out the largest mass shooting in Texas history, authorities said."We know that he expressed anger towards his mother-in-law, who attends this church," said Freeman Martin of the Texas Department of Public Safety. He said Kelley had a history of sending her threatening texts.But his mother-in-law was not inside the First Baptist Church in Sutherland Springs when Kelley sprayed the congregation with gunfire and killed 26 people. The youngest killed was a 17-month-old girl, her family told CNN. The oldest was 77 years old, Martin said.The gunman's grandmother-in-law, Lula White, was the grandmother of Kelley's wife and often volunteered at the church, according to friends and her Facebook profile.The friends asked not to be named as the family has decided to not speak to the media about White's death at this time, though a few have posted on social mediaTexas Gov. Greg Abbott called the massacre "the largest mass shooting" in the state's history. 1227

The mayor of Compton, California, has told the Los Angeles Times that she is launching a pilot program with a local non-profit that will give 800 residents a "guaranteed income" over the next two years.Compton Mayor Aja Brown told the Times that a non-profit called the Compton Pledge would select 800 low-income residents and distribute a "guaranteed income" to them for the next two years.According to the Times, the participants will be selected from a "pre-verified" list of low-income families in the area. Over the span of two years, the Compton Pledge plans to provide the families with "at least a few hundred dollars on a recurring basis" without any strings attached. The program will also provide families with financial guidance and track their spending and well-being throughout the process.While the Compton Pledge has not said where it is getting its funding or how much participants would receive, The Los Angeles Times reports that the program hopes to include a "representative sample" of the city's racial makeup in its participants.Once considered a fringe concept, the idea of a "universal basic income" has gained traction among left-wing politicians in recent years. Such a policy would provide all Americans with a monthly stipend which recipients would be free to spend as they see fit. Businessman Andrew Yang ran for the 2020 Democratic presidential nomination based on the idea.The concept gained further traction amid the COVID-19 pandemic when lawmakers agreed to provide most Americans with a ,200 check as the government shut down businesses to prevent the spread of the virus.While critics of a universal basic income claim such a policy would lead to high unemployment numbers and lead to spending on non-essential goods, some studies have shown that's not always the case. A similar program being conducted in Stockton, California, shows that recipients of basic income funds were mostly spent on food, clothes, and utility bills. 1975