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The Miami Police Department says what began as disagreement about masks led to an assault on Sunday evening.According to a statement from the Miami Police Department, the incident began at Latin Cafe, a ventanita or coffee shop near Miami International Airport. Surveillance video shows five people milling about outside of the cafe.The Miami Police Department says a few patrons got into an argument about mask compliance. Video shows one customer, wearing a mask and a red shirt, gesturing toward cafe employees and appearing to speak in exaggerated tones toward another customer without a mask.The customer without a mask stepped toward the man in the red shirt, and then a struggle ensued. Additional security footage shows the man in the red shirt falling to the ground. That man's girlfriend saw the incident from her car and ran to help. Police say she was also hit during the scuffle.Miami Police Officer Kiara Delva told WSVN-TV in Miami that the fight left the man in the red shirt "disoriented."Police say they're searching for four people in connection with the incident. It's unclear how many of those people could face charges.Miami currently requires the use of masks in public to prevent the spread of the coronavirus. First-time offenders are issued warnings, while repeat offenders could face fines. 1325

The Iran nuclear deal may be doomed, at least if you believe the global oil market.Oil prices have surged?partly because of mounting expectations that President Trump will kill the 2015 agreement, which allowed Iran to export more crude. Trump must decide by May 12 whether to re-impose sanctions on the OPEC nation.Brent crude, the global benchmark, briefly soared above a barrel on Monday after Israel leveled new nuclear allegations against Iran.Bringing back sanctions on Iran could knock out as much as 1 million barrels per day of crude supply, dealing a blow to increasingly fragile energy markets."There will be a significant disruption," said Michael Wittner, global head of oil research at Societe Generale."The market is assuming that oil sanctions will snap back onto Iran," he said.Trump said on Monday that Israeli Prime Minister Benjamin Netanyahu's speech on Iran helps show he's "100% right" about the Iranian nuclear agreement, which was signed by former President Barack Obama."We'll see what happens," Trump said about his decision on the Iran deal. "I'm not telling you what I'm doing, but a lot of people think they know."The oil market certainly thinks it knows. The price of Brent crude has soared 7% this year, and the US benchmark has soared 8% to nearly a barrel for the first time since late 2014. Oil prices have been lifted by concerns about the fate of the Iran deal as well as strong demand and supply cuts by OPEC and Russia."The Iranian nuclear deal is dead in the water and a Trump torpedo is fast approaching," Stephen Brennock, oil analyst at brokerage firm PVM Oil Associates, wrote to clients late last week.Under the deal, Iran agreed to limits on its nuclear activities, including bans on enrichment at key facilities. In exchange, sanctions were lifted in early 2016, freeing Iran to quickly boost its oil production by about 1 million barrels per day. Iran found eager customers for its crude in Europe, Japan, India and South Korea.It's "now looking increasingly likely" that Trump will not renew the waiver on Iranian sanctions by May 12, according to energy research firm FGE. 2153

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 jury in the trial of former Donald Trump campaign chairman Paul Manafort is likely to end a second straight day of deliberations without a verdict.Jurors debating the 18 charges against Manafort asked Judge T.S. Ellis to end Friday's deliberations at 5 p.m. ET, an indication they may not be near a verdict.Their note to Ellis came shortly after the judge revealed he has received threats during the course of the proceedings and the President called the trial "very sad."Ellis did not disclose details about the threats. But he said it was enough to make him wary of making the 12 jurors and four alternates' names public, in response to a request from media organizations. 686

The latest sexual assault allegations against Harvey Weinstein could result in the first criminal charges against the movie mogul, an NYPD source familiar with the investigation told CNN."This is the strongest case we've had that fits within the statute of limitations," the source said, adding some detectives believe they have enough evidence to arrest Weinstein.At a press conference Friday, NYPD Chief of Detectives Bob Boyce described de la Huerta's case as credible because of her "ability to articulate each movement of the crime, where she was, where this happened." 582

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