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The next few weeks mark the beginning of serious financial uncertainty for millions of people, because a slew of debt, from income tax payments to several months of rent, are going to be due at the same time. “It is going to be a perfect storm of financial difficulty for many, many people,” said Andrea Bopp Stark, an attorney at the National Consumer Law Center (NCLC).The center recommends three steps for anyone that finds themselves in a financially difficult situation regarding debt.Step one: create a list of priority bills and debt to pay off. “People are going to be barraged with debt collectors calling and trying to get them to pay on a medical debt or a credit card debt, but those debts are less important,” said Stark. “Pay debts that if you didn’t pay them it would cause immediate harm to your family.”Those are things like your rent and a car payment, especially if you need your car to go to work.“If you have a judgment against you, a court judgment against you for a debt, it is important to try and make a payment plan to pay that because creditor could issue a garnishment against your wages,” Stark added. Step two: contact your lender to make a payment plan on those priority debts.“We are seeing data come in that there are people who are delinquent and don’t have a forbearance agreement when they could very easily be in a forbearance agreement,” Stark added. “I know wait times on the phone are horrible right now, but you have to be persistent and get through and find out what help is available.”Data collected by the U.S. Census shows that delinquency rates are higher in communities of color.“It is mostly Black and Latinx borrowers who are not getting these forbearance agreements,” said Stark. “Whether they don’t know about it or nobody is reaching out to them to let them know this is available, we don’t know why but that is a population that is going to be disparately impacted and has already been disparately impacted by this whole crisis.”Step three: find a way to stick to your prioritized debt list. “It may sound obvious but if you have it on paper and you have created a budget, stick that to the refrigerator or wherever, then you know these are the priority spending items,” said Stark. “If your son or daughter say, ‘Oh, I want this or that,' ‘no, look at the fridge these are our priority spending items, sorry.’” Because every situation may not be solved in three steps, the NCLC has now made its in-depth guide to Surviving Debt available for free. It has template letters to send to debt collectors and hundreds of pages of help to get you through this tough time. 2626

The Navajo Nation is a sprawling part of the country, where Americans face challenges that many may find hard to believe exist in the United States.“The unemployment rate is 50-60 percent," said Ethel Branch, who has experienced those challenges firsthand.Branch was born and raised on the Navajo Nation.“I grew up on a ranch. We didn’t have running water or electricity," she said.The Navajo Nation is the largest Native American reservation in the United States. The reservation is roughly the size of West Virginia and reaches into Arizona, New Mexico, and Utah.The novel coronavirus has hit this area as hard as anywhere in the country. The virus is spreading uncontrollably in 75 communities on the reservation, according to the Navajo Department of Health.“The magnitude of need in our communities is significant," Branch said.She has been trying to meet that need since March with what started with a GoFundMe page."Early on, we were thinking really small, you know, like let’s help like five families for two weeks and hope that the pandemic is contained within two weeks," she explained.But as the pandemic went from weeks to months, The Navajo Hopi Families COVID-19 Relief Fund grew to so much more.“I would say we’ve raised about .5 million at this point," Branch said.They've now established a non-profit called Yee Ha'ólníi Doo, where people can donate and learn more about efforts to help people on the reservation during the pandemic.The money pays for a variety of necessities, including PPE, cleaning supplies, boxes of food that can feed a family of four for two week and materials to keep people informed on the virus. Additionally, it will provide water in a place where it can be a luxury, especially right now."A third of our communities of Navajo and Hopi don’t have running water, and so, asking people to wash their hands frequently is asking them to make a decision between drinking water and water to feed their animals and water to wash their hands with," Branch said.Branch says they’ve helped 48,000 Navajo and Hopi households so far, but at a cost of 0,000 a week, the millions they’ve raised is not enough.“We have enough to get to the end of December, and I think we’re making headway and we’re getting through the first part of January," she said.They hope to raise an additional more than million to keep their operation going through the end of the pandemic as numbers on the reservation rise, in both cases and deaths.While challenges are nothing new to Navajo and Hopi people, neither is a spirit of fighting beyond them.Branch went from growing up on that ranch without water or electricity to graduating from Harvard and becoming the Navajo Nation’s Attorney General from 2015 to 2019.Now, as this pandemic poses a new challenge, Branch is fighting to make sure her community makes it through.If you’re interested in contributing to the fund, click here. 2911

The parents of Payton Summons, who was declared brain-dead, have been granted more time to keep their 9-year-old on a ventilator at a Fort Worth, Texas, hospital.Lawyers for Payton's family filed a new request on Monday to extend a temporary restraining order that would keep her on the machine at Cook Children's Medical Center. The order has been extended until next Monday at 6 pm, according to Justin Moore, a lawyer for Payton's family.A previous temporary restraining order against Cook Children's Medical Center was scheduled to expire Monday afternoon after Judge Melody Wilkinson of the 17th District Court of Texas denied a request last week to extend it."The parents want to keep on fighting," Moore, told HLN's "Michaela" on Thursday."It's probably the hardest case I've ever had to deal with in my young career," he said. "Just to see this particular situation where parents are just fighting tooth and nail and they're not gaining an inch at all, it's just heartbreaking."Payton has been on the ventilator at Cook Children's Medical Center since late September, after she went into cardiac arrest due to a large tumor in her chest.Last month, she was staying overnight with her grandmother when she suddenly woke up, "screamed for her grandmother to help her and said that she couldn't breathe ... then she collapsed," Payton's mother, Tiffany Hofstetter, told CNN affiliate KTVT in September.Payton was transported to the hospital, and doctors established a heartbeat but put her on a ventilator because she was no longer breathing.She was confirmed brain-dead after a test determined that she did not have brain activity."Brain death, by definition, is irreversible," CNN Chief Medical Correspondent Dr. Sanjay Gupta said in 2014."In the United States and most places, it is legally synonymous with death -- the same as if your heart stops," he said. "But brain death means a total loss of brain activity."Under Texas law, a person is considered dead when they have suffered an irreversible loss of all brain function, the hospital said in a statement in September, according to KTVT."Per our protocol and national pediatric medical standards, a second brain death exam was scheduled to take place by a different physician within 12 hours of the first to complete the legal process of declaring Payton deceased," the hospital said."In addition to dealing with the sudden blow of her cardiac arrest and devastating brain injury, Payton's family is also coping with the news that the arrest was caused by the growth of a very large tumor in her chest that is shutting off her circulatory system."The hospital held off on performing the second brain death examination because Payton's family filed that temporary restraining order against the facility. It was filed in order to keep her on the ventilator until they found another hospital that could take their daughter. The family's co-counsel Paul Stafford said last week that the family contacted about 25 other facilities, but there were no takers."Unfortunately, after 25 out of 28 facilities that were contacted, we had no takers. We have two maybes, and those were preconditioned on certain things which may be life-threatening to Payton if performed," he said.Kim Brown, a spokeswoman for the hospital, said in a statement this month, "Cook Children's has been informed that we no longer have the ability to speak to media about Payton Summons. Although the family previously signed a consent form authorizing the release of information protected by the Health Insurance Portability and Accountability Act (HIPAA), we have been notified by the family's lawyer that the family has revoked their consent for us to speak about Payton's condition."Unfortunately, this means that we are no longer able to provide detailed, factual information regarding this case. We're disappointed that the family has revoked their authorization because we believe that accurate information facilitates fair, balanced and informed reporting." 4031

The Los Angeles County District Attorney is forming a task force to evaluate sexual assault cases in Hollywood."In response to the widespread allegations of sexual abuse in the entertainment industry, I have established a task force of specially trained deputy district attorneys who are ready to evaluate these cases if any are referred to my office for criminal prosecution," Los Angeles County District Attorney Jackie Lacey said in a statement. "I have assigned the group of veteran sex crimes prosecutors to work together to ensure a uniformed approach to the legal review and possible prosecution of any case that meets both the legal and factual standards for criminal prosecution."Lacey added that to date, her office has not received any cases from law enforcement for possible criminal filing. 811

The New York Post is using Friday's cover to send a message to President Trump following the school shooting that took place in Parkland, Florida, on Wednesday. The message? "Please act."The newspaper's front cover on Friday used the headline "Mr. President, please act" along with a photo of two women crying. Under the Post's headline it reads, "The Post says: We need sensible gun control to help stop the slaughter."The front page stirred conversation on social media as soon as it was tweeted on Thursday night. Some users showed surprise that it was the Post -- which is owned by Rupert Murdoch -- that published the cover rather than its cross-town rival, the New York Daily News, which has in the past used its front page to take a stance on gun control.Tomorrow’s cover: Mr. President, it’s time to do something about guns https://t.co/OmSO1GhPPY pic.twitter.com/cYnS3pfdM3— New York Post (@nypost) February 16, 2018 933