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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 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 Postal Service says it is facing “historic volumes” going into its busiest shipping week of the year. While Tuesday marks the final day the Post Office recommends shipping packages via ground in time for Christmas, the USPS says there are still a number of options for customers hoping to get their packages to loved ones by Dec. 25.In an effort to assist customers, the USPS says it is enacting a number of measures in hopes of ensuring timely deliveries.Those measures include:Expanded holiday retail hours in select locationsExpanded package delivery window — delivery in morning, afternoon, and early evening where volume warrantsExpanded operational capacity with new equipmentLease extra vehicles as needed to expedite deliveriesFor customers in the continental US, the USPS recommends the following mailing and shipping deadlines for expected delivery by Dec. 25 to most US addresses.Dec. 15 — USPS Retail Ground serviceDec. 18 — APO/FPO/DPO (except ZIP Code 093) USPS Priority Mail Express serviceDec. 18 — First-Class Mail service (including greeting cards)Dec. 18 — First-class packages (up to 15.99 ounces)Dec. 19 — Priority Mail serviceDec. 23 — Priority Mail Express serviceUSPS notes that only the Priority Mail Express service is a guarantee, and the other deadlines are merely recommendations. “We thank our customers for their continued support, and we are committed to making sure gifts and cards are delivered on time to celebrate the holidays,” said Kristin Seaver, Chief Retail and Delivery Officer of the Postal Service. “We also thank our 644,000 employees who are working tirelessly throughout these unique conditions to ensure the delivery of holiday gifts and greetings."Heading into the holidays, USPS service reported significant slowdowns. For the months of July, August and September, USPS reported single-piece first-class mail fell below its annual benchmarks, and past performance. During the quarter, three-to-five day on-time service dropped from 87.8% in 2019 to 72.1% in 2020. Its two-day on-time service dropped from 94% to 88.2% from 2019 to 2020. 2099

The Lima Police Department in Ohio has issued a statewide endangered missing child advisory for four children taken by their mother who doesn't have custody of them.Their mother, Marianne Merritt, is said to be headed to Florida. Authorities are looking for a vehicle that is described as a dark blue 2000 Chrysler Voyager with Ohio license plate: FMQ3175. The minivan has a white passenger door.Damara Croley,13, Benjamin Karl- Leland Croley, 12, Patience Wilson, 9, and Damien Wilson, 8, were taken by their non-custodial mother, according to a release.Authorities said Merritt's boyfriend, Charles Perkins, is believed to be with them. He is said to be abusive toward the children and has active warrants. He is considered armed and dangerous.You are asked to contact the Lima Police Department at 419-227-4444 with any information. 878

The Oklahoma teacher walkout is ending after nine days, Oklahoma Education Association President Alicia Priest said Thursday.After getting 9 million in funding for the next school year, the OEA decided to end the walkout, Priest said in a news conference, though the funding falls short of what they'd hoped to achieve."We need to face reality," Priest told reporters. "Despite tens of thousands of people filling the Capitol and spilling out onto the grounds of this Capitol for nine days, we have seen no significant legislative movement since last Friday."Priest said the OEA had been in negotiations with lawmakers in both the Oklahoma House and Senate, but it became clear that "Senate Republicans won't budge an inch on any more revenue for public education."The OEA had been polling its members throughout the walkout, and Priest said that by Thursday, 70% of respondents indicated they were unsure of continuing the walkout.Priest claimed Oklahoma teachers had secured a "victory." Reporters at Thursday's news conference pressed her, pointing out that the union gained little, if any, additional funding than what they had before the beginning of the walkout.She pushed back, saying, "We also got funding afterwards."Before teachers walked out on April 2, Gov. Mary Fallin signed a bill giving teachers a ,100 raise. The OEA had called passage of the bill a "truly historic moment," but said it didn't go far enough. They wanted that figure to be ,000.Fallin also signed a bill that raised education funding over the next fiscal year by million. The teachers' union also wanted that number to be higher."This fight is not over just because the school bell rings once more and our members walk back into schools," Priest said in a statement. "We have created a movement and there's no stopping us now."Efforts to obtain more educational funding will continue away from the Capitol, Priest said. The OEA will be supporting its members and candidates who are running for office during the midterm elections against those who opposed funding Oklahoma's schools.Teachers had said additional spending was needed, pointing to deteriorating school facilities and rundown or outdated textbooks.The Oklahoma educators' walkout came on the heels of another walkout in West Virginia, where Gov. Jim Justice signed a bill giving teachers a 5% pay raise after nine days. 2405