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The police department in Gainesville, Florida issued an odd edict to its community this week: Please don't call 911 asking for "hot cops" to come to your house.The warning was part of an update to a Facebook photo that went viral last weekend. The innocuous image showed three Gainesville officers — identified only as Nordman, Hamill and Rengering — posing for a selfie before starting their shifts.The photo went viral, racking up more than 500,000 reactions and 178,000 comments, many of which were about how attractive the officers are. 558

The National Football League announced on Wednesday that they'd canceled the 2021 Pro Bowl due to COVID-19.The news comes as the league deals with games being postponed due to players and coaches testing positive for the virus.The league added they are talking with the National Football League's Players Association to replace the game with virtual activities to replace the competition.The league stated that the players will still be named to Pro Bowl teams at the end of the season, which fans can begin voting for starting Nov. 17.The league will announce the results in December.The pro bowl was set to be played in Las Vegas in 2021, but they'll have to wait until 2022 to host it.This marks the first time since 1949 that the league hasn't played the pro bowl, ESPN reported. 791

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 NFL is further limiting player access to team facilities as it attempts to enhance safety measures during the pandemic.In a memo sent to the 32 clubs and obtained by The Associated Press, teams must close their facilities for two days after games, with some exceptions.Beginning Monday, all teams playing on a Sunday must close those facilities for the next two days.Only players needing medical attention for injuries or in rehab programs may enter the team complex.Coaches can access the facility but must work in their own offices and can't conduct meetings except virtually.The Associated Press reported that players that play on Monday couldn't access their facilities until Thursday, and facilities must remain closed until Sunday to players who play Thursday.According to USA Today, who was the first to report the memo, the league is also lifting its 62-player road game limit for teams, which will allow teams to fill its 48-man gameday roster with practice squad players in case issues arise with the coronavirus. This change will go into effect this week.All players who plan to attend a game must also stay at the team hotel the night before the game, The AP reported.The league had its second major outbreak in the last two weeks, with the Baltimore Ravens having at least two dozen people testing positive. 1332

The number of school shootings continues to rise in 2018.According to non-profit organization Everytown?for Gun Safety, a total of 40 shootings have occurred on school campuses across the United States as of May 18. Friday's deadly?shooting at a high school in Texas marks the 41st school shooting.Take a look at the map for details on each of the shooting incidents so far this year.  428

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