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The Miami Police Department said they are investigating an incident involving an officer in uniform who was spotted wearing a pro-Trump mask inside a polling site.According to the Miami Herald, the officer was spotted wearing the mask inside a polling site, which under state statute, is not allowed during an election if they are endorsing a candidate.The picture of the officer was taken by Steve Simeonidis, who according to Buzzfeed News is the Chair of Miami-Dade Democrats.The police department said in a tweet that they are aware of the photograph and this type of behavior is "unacceptable, a violation of departmental policy, and is being addressed immediately." 679

The man accused of pursuing and killing 20-year-old Mollie Tibbetts appeared in Poweshiek County court on Wednesday to face a charge of first-degree murder.The court hearing for Cristhian Bahena Rivera came a month after Tibbetts went for an evening run in Brooklyn, Iowa, and did not return home.On Tuesday, Rivera -- who confessed to following her as she ran on a country road -- led authorities to the field where a body believed to be hers was buried under corn stalks, officials said.Rivera, 24, was arraigned on first-degree murder charges and his bond was set at million. His next court hearing is scheduled for August 31. 640

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 man suspected of killing and wounding multiple people at Strasbourg's famed Christmas market was killed by French police, following a shoot-out not far from the scene of Tuesday's attack.Authorities announced Friday a fourth person had died as a result of being shot by the suspect, and 12 others are wounded.Cherif Chekatt, the 29-year old suspect, was shot dead on Thursday evening, two days after he first disappeared sparking a massive manhunt involving hundreds of police officers, soldiers and anti-terror specialists from three European countries.French Interior Minister Christophe Castaner said police recognized a man who looked like Chekatt walking on the street in Strasbourg's Neudorf district on Thursday night and approached him. He opened fire on officers when they tried to question him, he said.Police returned fire, killing the suspect, Castaner said."As I am speaking to you, I am thinking about the victims and the wounded. I am thinking of those close to them. I am thinking of Strasbourg and France that was hit by this terrible attack," Castaner said.On Thursday, Strasbourg police said the death toll from the attack had risen to three, after one person succumbed to their injuries. Another was declared dead Friday.Four people remain in serious condition with eight others suffering light injuries.The hunt prompted a curfew in the eastern French city near the German border and forced the country to raise its national security threat level to its highest status: "emergency terror attack."French prosecutors said the suspect shouted the Arabic phrase "Allahu Akbar," meaning "God is greatest," at the time of the attack."It's relief for the people of Strasbourg to know that the attacker has been killed," Strasbourg Mayor Roland Ries said, adding that the Christmas market would reopen on Friday.The French National Police thanked the public for their assistance in finding Chekatt."Thank you for your alerts which allowed us to find the wanted individual," the National Police said on Twitter.Earlier on Thursday, Paris prosecutor's office said that a fifth person was taken into custody in relation to the attack. "At this stage there are five people in custody," a spokesperson said.Authorities said Chekatt entered the perimeter of the market, one of the oldest in Europe, by the city's Corbeau Bridge and started shooting and stabbing passers-by on the Rue des Orfevres around 8 p.m., when many were in the middle of their Christmas shopping.Anti-terror police flooded the market and tried to arrest the suspected gunman. He exchanged fire with security forces, suffering an injury to his arm. The suspected gunman then jumped into a taxi and fled the scene, Heitz said.On Thursday, French police evacuated buildings and cordoned off the area close to where Chekatt had fled. The gunman's father, mother and two brothers were also questioned by police, a source close to the investigation told CNN.Checkatt was already known to security services as a possible threat, police said. He has an extensive criminal background that includes 27 convictions in France, Germany and Switzerland, mostly for acts of robbery and violence.A spokeswoman for the Swiss Federal Police, Cathy Maret, said Chekatt was well known to authorities there, having been arrested and convicted several times in Switzerland for crimes such as break-ins, theft and violence. He was not on their radar as a radical Islamist or for narcotics violations, she said.In 2017, he was deported from Germany to France after the Interior Ministry in the German state of Baden-Wuerttemberg confirmed he had been convicted of break-ins and serious theft in 2016 and spent time in a German prison. The German Federal Criminal Office said the suspect was not known in Germany as a radical Islamist.However, Chekatt was known to French prison officials for being radicalized and for his proselytizing behavior in detention in 2015, Paris prosecutor Heitz said, adding that he had been incarcerated multiple times.He was also on a French watch list called a "Fiche S" surveillance file. The "Fiche S" is a French terror and radicalization watch list that includes thousands of people, some of whom are under active surveillance, meaning they are on law enforcement's radar.Hours before the attack, French gendarmes tried to bring Chekatt in for questioning but found he wasn't home, a spokesperson for France's National Police told CNN earlier this week, without providing further details.Chekatt was born in Strasbourg, according to CNN affiliate BFM. 4554

The presidential race remains too close to call, and vote totals show President Donald Trump's lead slowly evaporating in some key battleground states. In recent days, Trump has attempted to use his favorite social media platform to spread disinformation about the election process — but Twitter has fought back.Between early Tuesday morning — after polls had closed in most of the U.S. — and noon ET on Friday, Trump has sent a tweet or retweet 37 times. Twitter has applied disclaimers to 13 of those tweets.Of those disclaimers, 12 indicate that "some or all of the content" about the election in the President's tweet is "disputed" and possibly "misleading." Twitter also added a disclaimer noting that races in Pennsylvania, Georgia and North Carolina remain too close to call to Trump's Wednesday morning tweet in which he "claimed" all three states "for Electoral Vote purposes." As of Friday, those states are still too close to call.Trump railed against Twitter's fact checks in a Friday morning tweet, saying the social media platform is "out of control."In many cases, Twitter has added disclaimers to Trump's tweets in the moments after the President sends them. The social media service began fact-checking Trump earlier this year, but prior to this week, it would often take several hours to apply disclaimers.Trump has attempted to sow doubt in the electoral process for months. On the campaign trail, he often argued without basis that mail-in ballots would be fraudulent.The President's attempt to discredit mail-in ballot appears to have had a partisan effect on mail-in voting. An enormous percentage of mail-in ballots across the country have gone to Democratic presidential nominee Joe Biden, while Trump has carried a vast majority of in-person votes. 1781

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