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The Joker may have won this round. The Batmobile was traveling to Nickel City Con, a comic convention in Buffalo, New York, when it crashed on Interstate 190 outside of the city on Thursday.According to a Facebook post from Tv and Movie Cars For Hire, both Batman and Robin are OK. However, the Batmobile will be back in the Batcave for some repairs. It's unclear how the accident took place, or how long the Batmobile will be out of commission.    516

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 new iPhones have officially debuted. And yes, facial recognition software is no longer just science fiction — it’s real and it’s on the X.Apple unveiled the iPhone 8, the iPhone 8 Plus and the iPhone X in a Sept. 12 keynote address at the new Steve Jobs Theater.What should you do now that the waiting game is over? Here are three options. 366

The man accused of killing eight people in a truck attack in New York on Halloween is a native of Uzbekistan who moved to the United States in 2010, sources told CNN.Sayfullo Habibullaevic Saipov bounced around parts of the US for several years, with sources telling CNN he has lived in Florida, in addition to stints in Ohio and New Jersey, where he worked as an Uber driver for the last six months, according to the company.On Tuesday, according to police, the 29-year-old drove a rented pickup truck down a busy bicycle path near the World Trade Center in Manhattan, killing eight people and injuring almost a dozen others. 634

The outcome of the presidential election remained in doubt one day after polls closed throughout the United States.As of Wednesday afternoon, Democratic presidential nominee Joe Biden had a slight advantage over President Donald Trump in electoral college votes, but several key swing states had yet to be called.A candidate needs 270 electoral college votes in order to claim the presidency. As of Wednesday afternoon, Biden had 248 Electoral College votes to Trump's 214.Just as it did in 2016, the outcome of the race will likely hinge on the results of three states — Wisconsin, Michigan and Pennsylvania. As of Wednesday afternoon, the race in Michigan and Pennsylvania is too close to call. The Associated Press projects Biden will win Wisconsin, and its 10 electoral votes. Michigan (16 electoral votes) appears poised to offer close to a final count in the hours ahead. However, officials in Pennsylvania have cautioned that due to a high volume of mail-in votes, it may take several days to determine a winner of their 20 electoral votes.In 2016, Trump won Michigan, Pennsylvania and Wisconsin by about 100,000 combined votes.During a virtual press conference on Wednesday, the state's chief election official, Meagan Wolfe, said that nearly all jurisdictions have posted initial vote counts. That count will remain unofficial until the election is certified on Dec. 1.Trump campaign manager Bill Stepien said in a statement Wednesday that the President plans to request a recount in Wisconsin.According to Wisconsin law, a candidate can request a recount if the margin of victory is within 1%. Those recounts are held at the county level.The western swing state of Nevada (six electoral votes) also remained too close to call. Nevada won't resume counting ballots until Thursday morning, and still needs to tally mail ballots received on Election Day. The state expanded mail-in voting for the 2020 election and will also continue to count mail-in ballots for the next week.Finally, though the majority of votes have been counted in Georgia (16 electoral college votes) and North Carolina (15 votes), the margins remain razor-thin. Trump currently holds narrow leads in both states.The state of Alaska, whose polls closed at midnight ET, also remains too close to call, but polling has indicated that Trump is favored in the state.In a virtual press conference on Wednesday morning, Biden campaign manager Jen O'Malley Dillon said her campaign is "on track" to claim the presidency. She said the Biden campaign believes it will prevail in Michigan, Wisconsin and Nevada, citing large numbers of outstanding mail-in ballots, which tend to skew Democratic.Though Michigan, Nevada and Wisconsin are yet to be called, should Biden claim those three states, he would reach the threshold of 270 electoral college votes needed to clinch the presidency.The Biden campaign also decried Trump's decision to falsely declare victory in a White House speech early Wednesday morning. In a statement, Biden campaign manager Jen O'Malley Dillon called Trump's comments "outrageous, unprecedented and incorrect." 3113