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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 iconic couch potato characters of Beavis and Butt-head are returning with new episodes, in a deal with creator Mike Judge and Comedy Central. Joining another 90s spin-off on the cable channel.Originally launched in 1993 on MTV, “Beavis and Butt-head” rose to popularity with its satire and stream-of-consciousness dialogue. The show tackled social issues at the time including teen obesity, workers’ rights and media trends.Comedy Central has ordered two seasons of the reimagined series, which will be, according to them, “relatable to both new and old fans – Gen X parents and their Gen Z kids.”“It seemed like the time was right to get stupid again,” said Judge in a statement from Comedy Central.Judge will write, produce and provide voice over for both characters. It’s a return to animated series for Judge, who created “King of the Hill”, “Silicon Valley”, and movies “Office Space” and “Idiocracy”.“We are thrilled to be working with Mike Judge and the great team at 3 Arts again as we double down on Adult Animation at Comedy Central” says Chris McCarthy, President of Entertainment & Youth Group. “Beavis and Butt-Head were a defining voice of a generation, and we can’t wait to watch as they navigate the treacherous waters of a world light-years from their own.”The new “Beavis and Butt-head” joins another reimagined 90s series, “Jodie”, a spin-off of MTV’s “Daria”.Creator and head writer Grace Edwards will be back on the new series, focused on Jodie Landon, one of Daria’s friends from high school. Tracee Ellis Ross will voice the character that will satirize workplace culture.“With themes of empowerment along gender and racial lines, explorations of privilege, and a wicked sense of humor, “Jodie” will shine a light on the personal and professional issues young Black women face today,” said a statement from Comedy Central.No launch dates have been named for either series at this time. 1924

The mayor of Philadelphia said on Tuesday that all large events have been canceled until February 28, 2021, due to the coronavirus pandemic."This was not an easy decision to make," Mayor Jim Kenney said in a tweet. "The health and safety of residents, workers, and visitors must be our top priority." 308

The investigation into social media misconduct in the United State Marine Corps. has resulted in at least 55 Marines being punished, including seven courts-martial.USMC said Friday the cases stemming from a massive scandal into online misconduct "proved to be a symptom of a larger problem of bias and exclusion."The 55 Marines punished include seven special and summary courts-martial, six administrative separations, 15 non-judicial punishments, and 27 adverse administrative actions. At least 123 individuals have been investigated for incidents of misconduct involving the non-consensual distribution of explicit images, according to officials. Of those cases, 22 were of civilians outside Department of Defense jurisdiction and 101 were active-duty or reserve Marines.USMC said 82 cases concerning active-duty or reserve Marines have been ruled on while 19 await a decision.The Marine's investigation of the "Marines United" Facebook page prompted a full-scale look into misconduct across social media. Naval Criminal Investigative Service scanned nearly 131,000 images across 168 social media sites.Last year, nude photographs of female Marines and veterans from various military branches and other women were shared on the "Marines United" page. The accompanying posts were found to include obscene and threatening comments and showed women in various stages of undress. Some women were identified and others were not. The site was touted as being for men only. 1536

The lengthy National Climate Assessment released on Friday includes detailed information about how specific regions of the US will be impacted.Below is a guide to what this report says about each region of the country in regards to climate change and its impacts. 276

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