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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 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

The Palm Beach County Supervisor of Elections Susan Bucher says she expects to begin the manual recount process at 11 a.m. ET Friday.This comes after a Thursday order from the Secretary of State to complete a manual recount statewide for the Senate race and Agriculture Commissioner's race.Palm Beach County also must complete a manual recount for a State House race.Manual recounts are required when a candidate’s margin of victory is less than .25 percent.However, Bucher said first, they need to complete the machine recount for the Senate race before they can begin the manual recount.She said they have not completed the tabulation process to come up with vote totals for the Senate race to find all the over and under votes.“We just want to get to a place where we should start a manual recount. Right now we’re incomplete and we’re incomplete for various reasons, mostly because there were requirements that we show some duplicated, damaged ballots, and haven’t run those and requirements that we canvass ballots for over and under votes that were duplicated by staff," Bucher said.  "So, we’ve completed that process, but now we have to go run them through our tabulators to get the rest of our over unders.”  They do not have to manually recount every single ballot, only ones considered overvotes or undervotes.An overvote is a ballot in which the voter appeared to vote for more than one candidate in a race, and an undervote is a ballot in which the voter appeared to vote for no candidate in a race.An election worker, along with a representative from each political party, will review the ballots in question. If they cannot agree on the voter’s intent, it will go to the canvassing board.A judge’s ruling will determine the order of the recount races.The results are due by noon on Sunday.  1853

The Louisville Metro police department has fired one of the police officers involved in the fatal shooting of Breonna Taylor. A termination letter for Officer Brett Hankison released by the city’s police department today said Hankinson violated procedures by showing “extreme indifference to the value of human life." The letter also said Hankinson violated the rule against using deadly force. Taylor, who was Black, was shot eight times by officers who burst into her Louisville home using a no-knock warrant during a March 13 narcotics investigation. Two other officers remain on administrative reassignment while the shooting is investigated.Taylor, who was employed as an EMT, was inside of her home when police conducted a “no-knock raid” on her home. Thinking the police officers were intruders, Taylor’s boyfriend, Kenneth Walker, allegedly shot at police.Louisville Metro Police officers returned fire, striking and killing Taylor.Walker was originally arrested for firing at police, but later was released. 1024

The Protestant preacher known as "America's pastor" will be remembered at a funeral Friday under a large white tent evoking his first "Canvas Cathedral" revival nearly 70 years ago.The private service for the Rev. Billy Graham, who was 99 when he died at home in Montreat, North Carolina, last week, is expected to be attended by about 2,300 guests, including President Donald Trump and the first lady.After the service at the Billy Graham Library in Charlotte, the globetrotting preacher and spiritual confidant to American presidents will be buried beside his wife, Ruth, at the foot of the cross-shaped brick walkway in the library's Prayer Garden.The noontime service, in many ways Graham's final crusade, will be streamed live. "It was Mr. Graham's explicit intent that his funeral service reflect and reinforce the gospel message he preached for more than 60 years," his spokesman, Mark DeMoss, said on the website of the Billy Graham Evangelistic Association. A tribute at the US Capitol 1007