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The pandemic has raised awareness about convalescent plasma donation to treat coronavirus patients. But for hundreds of thousands of people who rely on regular plasma infusions to survive, a looming shortage is raising alarm bells.Mother, wife and rare disease advocate Deborah Vick lives with myasthenia gravis, a neuromuscular disorder that disrupts nerve to muscle communication.“The messages are no longer being able to reach the muscles to make them work--whether that is to walk or move or swallow or breathe--it's all interconnected,” described Vick.There is no cure, so every two weeks, she requires plasma infusions.“Being in crisis is the worst time to have to wait for treatment,” she explained. “I know, for me, my treatments are every two weeks and days before my treatment starts, my breathing is extremely labored.”Many types of primary immunodeficiency disorders like Vick’s result in an inability to produce antibodies or immunoglobulin to fight off infection.“There's about 250,000 of us in the United States alone,” said John Boyle, president and CEO of the Immune Deficiency Foundation.Canceled drives and fear of COVID-19 exposure, he says, have contributed to a drop in plasma donations for non-COVID therapy.This comes as the Red Cross says hospital distributions of convalescent plasma have increased 250 percent in November compared to September.“To not meet the rising demand is one thing, but to actually have less plasma is potentially very, very, very problematic,” said Boyle.Experts say it takes seven to 12 months to turn around plasma for patient infusion therapies. We are now nine months into the pandemic and a crisis say some could be around the corner.“There is a growing concern about the ability to meet patient clinical need,” said Amy Enfantis, president and CEO of the Plasma Protein Therapeutics Association.She says while the call for convalescent plasma therapies for COVID-19 has raised awareness, there is still an increased need for other rare-disease patients.“Our companies are making therapies every day for patients who have a perpetual need for plasma,” said Enfantis. “And that is ongoing regardless of a pandemic.”For those who rely on plasma donation and infusion treatment like Vick, it could mean the difference between life and death.“The biggest fear is not having the treatments that keep me alive. I mean, reality is I don't know what kind of life I will have, if any, how it will function without my infusions.”It’s why so many are hoping those who can, will give. 2536

The Justice Department is examining a possible crime related to bribing the White House with money in exchange for a presidential pardon.According to federal court documents, which were first obtained by CNN, over 50 digital devices, including iPhones, iPads, laptops, thumb drives, and computer drives, were seized via search warrants as part of the government's bribery-for-pardon investigation.The court documents reveal that the emails confiscated show a "secret lobbying scheme" between unnamed individuals who tried to secure a presidential pardon in exchange for a "substantial political contribution or reprieve of a sentence" for a redacted individual.According to the Associated Press, U.S. District Judge Beryl Howell, who unsealed the court documents Tuesday, granted the investigators access to the emails that were not protected by the attorney-client privilege.However, the 20-page court documents did not specify that a bribe was ever offered, accepted, nor does it name any individual or President Donald Trump, NBC News reported. 1055

The orca whale that made headlines in July 2018 for carrying her dead calf 1,000 miles is a mother again.Researches at the Center for Whale Research announced that Tahlequah, also known as J-35, gave birth last week. 224

The New York State Health Department is investigating a reported Chainsmokers concert that was held in the Hamptons over the weekend after a video posted to Twitter showed a massive crowd, not social distancing.Gov. Andrew Cuomo shared the video on Twitter Monday night, calling the gathering and lack of social distancing “egregious.”“I am appalled,” the governor said. “We have no tolerance for the illegal [and] reckless endangerment of public health.”The governor called on the event's "gross violations of not only the health rules, it was a gross violation of common sense.The state is conducting a full investigation into why the town issued a permit for the event.The crowd was reportedly attending a Chainsmokers concert in Southampton on Saturday that was billed as a “drive-in” event, although dozens of people could be seen standing in front of the stage.The investigation comes amid a state-level crackdown on social distancing violations, mainly focused on bars and restaurants, in an attempt to keep New York's coronavirus numbers down.Over 130 violations were issued to establishments in New York City and on Long Island from Friday through Sunday, according to Cuomo. Forty establishments have had their licenses suspended by the State Liquor Authority because of repeated social distancing violations.WPIX's Lauren Cook first reported this story. 1372

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