大庆工业吸尘器(临汾大型工业吸尘器) (今日更新中)

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 Los Angeles County District Attorney's Office is reviewing a new sexual assault claim against actor Kevin Spacey.The case presented to the D.A.'s office Tuesday, according to The Hollywood Reporter, is the second sexual assault case against the actor.Details of the new case were not immediately provided by the district attorney.The initial case was brought to the D.A. on April 5 by the Los Angeles County Sheriff's Department, though it's unclear which law enforcement agency brought the newest case forward. 528

The NFL's chief medical officer told NFL Network that the league could pause the 2020 season due to rising COVID-19 cases.In an interview with NFL Network's Judy Battista, Dr. Allen Sills said that every option is on the table after several players on the Tennessee Titans and New England Patriots tested positive for the coronavirus."We have never taken any option off the table, which includes, like you said, some type of pause or reset and any other alternative arrangements," Dr. Sills said in the interview. "But right now, what we are focused on is what we can learn from these types of situations trying to make sure that transmissions are not ongoing in those situations." 689

The parent company of New York Sports Club and several other fitness club chains has filed for bankruptcy protection as the COVID-19 pandemic continues to wreak havoc with its operations.In a statement released Monday, Town Sports International — which also owns Boston Sports Clubs, Lucille Roberts, and several other fitness brands — said it agreed to voluntarily file for Chapter 11 Bankruptcy protection.The company added that the filing was made to simply restructure debt and that it does not plan to go out of business. In a message to employees, the company said it does not expect any changes to day-to-day operations or compensation and benefits.CNN reports that the company laid off "much" of its 7,000-person workforce earlier this year to preserve cash.Bloomberg reported Friday that Town Sports International was on the verge of filing for bankruptcy after talks of an million capital injection from Kennedy Lewis Investment Management fell through.Fitness clubs and gyms have taken a huge hit amid the pandemic, as the CDC continues to recommend against congregating indoors when possible. Sales of home fitness equipment have soared, and Americans have taken up other healthy outdoor habits like biking while restrictions keep some gyms closed. 1272

The killing of the Saudi journalist Jamal Khashoggi in Saudi Arabia's Istanbul consulate was premeditated, the country's attorney general said Thursday.According to the statement posted by the Saudi state news agency, the latest evolution in the official version of events surrounding Khashoggi's death came after new information was received from Turkish investigators."The public prosecution received information from the Turkish side through the Joint Working Group between the Kingdom of Saudi Arabia and the Turkish Republic, indicating that the suspects in Khashoggi's case premeditated their crime," Attorney General Shaikh Suood bin Abdullah Al Mo'jab said."The public prosecution continues its investigations with the accused in accordance with the latest investigation results to reach the facts, God willing, and complete the course of justice."The development comes as CIA director Gina Haspel is set to brief US President Donald Trump on the investigation into Khashoggi's death.Haspel traveled to Turkey on Monday, apparently to assess information the Turks have collected on Khashoggi's killing inside the Saudi Consulate in Istanbul. The Washington Post reported Wednesday that Haspel listened to audio purportedly of his interrogation and murder while she was in Turkey. Trump also said the US has sent officials to Saudi Arabia to get more information on the killing, which has spiraled into a crisis.Turkish investigators continue to hunt for clues to the whereabouts of Khashoggi's body.  1521

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