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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 news of the Detroit Tigers Opening Day being postponed was a disappointment for many, but one 3-year-old was especially upset. Harper, who watches Tigers games with her mother, Ashley Aichler, was in tears over the fact that she wouldn't get to see the team "play ball" on Thursday.Watch the full video above, taken by Harper's grandmother Dianna Canupp.  377

The Polk County (Fla.) Sheriff's Office has arrested a substitute teacher at Westwood Middle School after he reportedly grabbed a 12-year-old boy around the neck and pushed him against a wall. Robert Knight, 39, an employee of Kelly Educational Staffing, has been charged with negligent child abuse without bodily harm. The incident occurred on April 12 at Westwood Middle School in Winter Haven. Deputies responded to a call in reference to a child abuse investigation. A student told deputies he was choked by the P.E. coach, Robert Knight, on Wednesday, April 11. The student told deputies that he and Knight were "smack talking" when Knight took his shirt off and challenged the student to a fight, according to the arrest affidavit. The student said he didn't want to fight a "thirty year old man." Knight then wrapped his hand around the student's neck and pushed him against the wall while other students grabbed Knight's arm and attempted to separate him from the student, according to the affidavit. While he was being interviewed, Knight told deputies "I guess I finally let it get to me," referencing the smack talking with the student. He told deputies he "lost his cool" and doesn't know if he blacked out during the incident but that all he remembers were the kids pulling him off of the student. Knight is not employed by the Polk County School Board, but is employed by Kelly Educational Staffing as a substitute teacher. He was filling in for the male P.E. coach on Wednesday, April 11. Knight was taken into custody and transported to the Polk County Jail without incident."We expect much better conduct from a substitute school teacher. We compliment the school district staff who worked hand-in-hand with us to hold Mr. Knight accountable for his conduct" said Polk County Sheriff Grady Judd. 1855

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 only Louisville police officer who was charged with a crime relating to the raid that resulted in the death of Breonna Taylor has been accused of sexual assault.According to WAVE-TV in Louisville, a woman has filed a lawsuit against former Louisville Metro Police Department Officer Brett Hankison, accusing him of assaulting her after he gave her a ride home from a bar where he was working security.According to the lawsuit, the plaintiff, Margo Borders, met Hankison through mutual friends in 2017. In 2018, Border met friends at Tin Roof, a bar west of downtown Louisville where Hankison was working a side job as a security guard.Borders said she had been drinking that evening, and when she went to call an Uber, Hankison insisted that he drive her home. When he dropped her off at her apartment, he allegedly invited himself in. Borders alleges that when she went to sleep, Hankison "willfully, intentionally, painfully and violently sexually assaulted" her.When Borders regained consciousness, she yelled at Hankison and asked him to leave. Borders alleges that Hankison later messaged her and allegedly tried to convince her that they had "engaged in consensual relations."The lawsuit also includes claims from nine other women who say Hankison either approached them with unwanted sexual advances or assaulted them.CNN reports that Hankison's police file includes 50 internal reports, including two reports of alleged sexual misconduct. He was exonerated in both incidents.Hankison was fired from the LMPD earlier this year. He faces three charges of wanton endangerment for his actions in the raid that led to the death of Breonna Taylor, as he's accused of firing his weapon and endangering the lives of Taylor's neighbors.No officers involved in the raid faced homicide charges in Taylor's death, and Kentucky Attorney General Daniel Cameron has said the officer's actions were justified because they were fired upon by Taylor's boyfriend. However, grand jurors who weighed charges for the officers have said publicly that Cameron did not afford them the opportunity to charge officers with a homicide. 2127

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