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The Lima Police Department in Ohio has issued a statewide endangered missing child advisory for four children taken by their mother who doesn't have custody of them.Their mother, Marianne Merritt, is said to be headed to Florida. Authorities are looking for a vehicle that is described as a dark blue 2000 Chrysler Voyager with Ohio license plate: FMQ3175. The minivan has a white passenger door.Damara Croley,13, Benjamin Karl- Leland Croley, 12, Patience Wilson, 9, and Damien Wilson, 8, were taken by their non-custodial mother, according to a release.Authorities said Merritt's boyfriend, Charles Perkins, is believed to be with them. He is said to be abusive toward the children and has active warrants. He is considered armed and dangerous.You are asked to contact the Lima Police Department at 419-227-4444 with any information. 878

The Human Rights Campaign on Sunday called for the Trump administration not to go forward with a rollback of protections for transgender people, following a report in The New York Times on a draft proposal."Setting a destructive precedent, the Trump-Pence administration intends to erase LGBTQ people from federal civil rights protections and eviscerate enforcement of non-discrimination laws," the group's president, Chad Griffin, said in a statement.HRC is among the nation's most prominent LGBTQ rights groups, and its statement Sunday called on Congress to pass legislation enshrining protections it says are at threat should the Trump administration go forward with the reported plan.The Times report said the Department of Health and Human Services is working to define sex under Title IX as solely male or female at birth, with no room for change. The proposal could formally be presented to the Justice Department by the end of the year, sources told the Times."Sex means a person's status as male or female based on immutable biological traits identifiable by or before birth," the proposal says, according to The Times. 1137

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 Los Angeles County District Attorney is reviewing a sex crimes case against Kevin Spacey, officials tell CNN.The case was presented to prosecutors on April 5 by the Los Angeles County Sheriff's Department, according to a spokesperson for the Los Angeles District Attorney.No additional information was made available.An attorney for Spacey did not immediately return CNN's request for comment.The news comes nearly six months after Spacey was accused of making a sexual advance on actor Anthony Rapp when Rapp was only 14.Rapp, now 46, shared his account of the alleged 1986 incident?with a then-26-year-old Spacey in an interview with Buzzfeed back in October.In response to the allegations, Spacey tweeted that he was "beyond horrified to hear [Rapp's] story," adding that he did not remember the encounter."But if I did behave then as he describes, I owe him the sincerest apology for what would have been deeply inappropriate drunken behavior, and I am sorry for the feelings he describes having carried with him all these years," Spacey added.Days later, members of the "House of Cards" production staff detailed sexual harassment and an alleged instance of sexual assault to CNN.A former TV news anchor also came forward?with an allegation that Spacey sexually assaulted her son in 2016.An attorney for Spacey did not respond to CNN's request for comment at the time.Netflix?cut ties?with Spacey as a result of the allegations, a move that cost the streaming service roughly million.The next season of "House of Cards" was delayed, and now is set to debut in fall, with Robin Wright leading the cast.In London, 20 allegations of inappropriate behavior by Spacey were unearthed during an investigation commissioned by officials at The Old Vic Theatre, where Spacey served as artistic director from 2004-15.The Old Vic said the allegations spanned from 1995 to 2013, with most of the claims taking place before 2009. The theater added that it had not been possible to verify any of the allegations.Spacey sought unspecified treatment following the allegations made by Rapp, but has not made a public appearance since. 2182

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