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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 police officer who fatally shot 12-year-old Tamir Rice in Cleveland four years ago was recently hired by a police department in eastern Ohio, CNN affiliate WTOV-TV reported, citing the department's police chief.Timothy Loehmann is one of six new officers hired in the Village of Bellaire, about 65 miles southwest of Pittsburgh. The town on the Ohio River has a population of about 4,170.Bellaire Police Chief Richard "Dick" Flanagan told WTOV that Loehmann applied to several police departments and still wanted to be a police officer."He's not quitting on being a police officer. He made a decision (in 2014) that's going to stay with him the rest of his life," Flanagan said. "Like anybody else, if you make a mistake, someone's got to give you a second chance, give someone opportunity. There is no worry, I stand behind this officer ... I'll stand behind this officer like I will any of my officers."CNN's efforts to reach Flanagan during the weekend were not successful.Rice family attorney Subodh Chandra said on Twitter that Tamir's mother, Samaria Rice, feels that "Loehmann doesn't belong on any police force anywhere & shouldn't be foisted upon the citizenry anywhere.""But she hopes that this does mean he will never return to Cleveland," Chandra's tweet read. 1288

The Louisville police detective that Kentucky Attorney General Daniel Cameron said appeared to have fired the fatal shot at Breonna Taylor back in March is reportedly seeking ,000 through an online fundraiser so he can retire.According to the Louisville Courier-Journal, Det. Myles Cosgrove, one of three Louisville police officers who shot into Taylor's apartment, is seeking funds on the crowdfunding site GiveSendGo.Cosgrove's attorney, Jarrod Beck, confirmed to CNN that Cosgrove's family members set up the page.According to the fundraiser's description, the page was set up to ensure Cosgrove can "purchase the remainder of his service time so that he can retire.""Myles’ reputation has been completely dismantled and the psychological trauma is something that he will have to cope with for the rest of his life," the fundraiser description reads. "Every day, the threats seem more legitimate and scarier; his family has been doxed and harassed, while the threats remain unrelenting. Although Myles may never feel completely safe again, if you can help us reach our goal, we can at least get him on a path to security and allow him to focus on his main objective: the safety of his family."The fundraiser's goal was set to ,000 and, as of Thursday afternoon, had raised over ,000.A grand jury announced Monday that Cosgrove and Jonathan Mattingly were "justified" in using lethal force because they were fired upon first. 1444

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

The Pennsylvania Supreme court has ordered that the names of 11 priests accused of sexual abuse in a grand jury report remain permanently redacted.Pennsylvania Attorney General Josh Shapiro had requested that the priests' names be made public. The clergymen are among more than 300 "predator priests" accused of sexually abusing more than 1,000 child victims. The names of more than 270 priests were made public when the report was released in August. 459

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