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The NHL announced plans on Monday to resume play on August 1 with training camp slated to get underway next week.Currently, the NHL is in “Phase 2” of its reopening plan, which allows players to practice on a voluntary basis at team facilities. On July 13, full-team practices will be held at team practice facilities or arenas.On July 26, teams will travel to two hub cities in advance of a 24-team tournament slated to begin August 1. The CBC and Sportsnet both report that Toronto and Edmonton will serve as the two “hub cities” for resumption of play. The cities will likely be chosen as coronavirus cases are declining in Canada while increasing in the United States.Sixteen of the NHL’s 24 teams will participate in a qualifying round for this year’s Stanley Cup Playoffs. During the qualifying round, the top eight teams will play three games a piece for seeding purposes.Also on Monday, the league announced that 23 players tested positive for the coronavirus. The 23 players who tested positive are in addition to 12 players who previously tested positive in early June when the league began “Phase 1” of its reopening plan. All told, the league has had 35 players test positive.So far, the league has administered a total of 2,900 tests, with 396 having been tested so far.The league suspended play in mid-March in an effort to help stop the spread of the virus. The league left off as most teams played roughly 70 games of an 82-game schedule. 1462

The number of new COVID-19 cases continues to surge. According to Johns Hopkins University, the U.S. has recorded at least 3.1 million cases of COVID-19 since Nov. 1.As the U.S. enters its 17th straight day of recording at least 100,000 cases, states are preparing to lockdown - again - or have put into place new COVID-related restrictions.Below is a list of every state and what their current COVID-19 restrictions are.ALABAMAOn Nov. 5, Republican Gov. Kay Ivey extended the state's face mask order until Dec. 11 at 5 p.m.According to the Safer at Home order, anyone over the age of 6 must wear a mask indoors and outdoorsBetween Nov. 8 through Dec. 11, the state is currently under an amended Safer at Home Order, businesses like barbershops and gyms should have everyone social distance and wearing masks.ALASKAOn Nov. 16, local communities in Alaska began enacting travel restrictions, Republican Gov. Mike Dunleavy announced.On Nov. 12 Gov. Dunleavy issued a statewide emergency alert and called on Alaskans to work together to slow the spread over the next three weeks.“If we cannot reduce the spread of this virus, we reduce our future options for how to proceed. No matter what you believe about the virus, the facts are the facts," Gov. Dunleavy said in a news release. "Hospitalizations and sick healthcare workers are reaching untenable levels. We must act together now while we still have choices.”Alaska urges everyone to wear a mask, but it isn't mandatory.ARIZONARepublican Gov. Doug Ducey spoke in a video on Nov. 10 to urge mask-wearing, physical distancing, handwashing, and staying home when sick.There is currently no mask mandate in the state, but some cities have imposed a mask mandate, like Phoenix.According to KGUN, stay-at-home gatherings of fewer than 50 people are currently legal.ARKANSASOn Nov. 10, Gov. Asa Hutchinson issued new guidance for houses of worship stating that masks should be worn at all times except those exempted under the existing Arkansas Department of Health guidelines.The governor issued a statewide mask order in July.CALIFORNIABeginning Nov. 25, restaurants in Los Angeles County will be open for delivery, take-out, and drive-thru services only for three weeks.Gov. Gavin Newsom issued a 10 p.m. curfew that began Nov. 21 that'll last for a month in California counties that are in the strictest level of the state's pandemic restrictions.Between 10 p.m. to 5 a.m. non-essential work and gatherings must shut down in the 41 counties in California's purple tier.Since June, California has had a statewide mask order.COLORADOGov. Jared Polis on November 17 issued new stricter rules for gatherings, as 15 counties were listed as having "severe risk" of coronavirus spread. These 15 counties, making up most of the Denver metro area and other populated areas, will close all indoor dining, with outdoor seating and takeout still available. In addition gyms will be limited to 10 percent capacity and indoor events will be canceled in these counties. Earlier, on November 9, Polis extended the state's face mask mandate for 30 days.CONNECTICUTGov. Ned Lamont rolled back the state's reopening plans, which means restaurants, movie theaters, and indoor and outdoor events close at 10 p.m.In April, the state's mask mandate went into effect.DELAWAREGov. John Carney said that as Thanksgiving approaches, he people to re-consider gathering with anyone outside your immediate household as the state to prepare themselves to stay safe as COVID cases continue to rise.On Nov. 23, Gov. Carney limited indoor gatherings to 10 people and also limited restaurants' indoor dining capacity to no more than 30%.Also beginning Nov. 23, indoor gatherings at weddings, places of worship, performances, political meetings, and funerals were also limited to 30% capacity.Delaware has had a face mask mandate since April.FLORIDARepublican Gov. Ron DeSantis loosened restrictions on Oct. 22 about visiting nursing homes saying families should be together.Florida Agency on Healthcare Administration data shows, according to WFTS, that hospitalizations across Florida are up more than 30% in just the past three weeks.According to WPTV, Florida's total of 885,201 cases is 8.0 percent of the total infections in the U.S., which passed 11 million Sunday.There is no statewide mask mandate in effect.GEORGIARepublican Gov. Brian Kemp announced Friday that effective Monday at midnight the current set of restrictions are to remain in place.Gatherings larger than 50 people are banned and wearing a mask is voluntary."As COVID-19 case numbers and hospitalizations rise across the country, Dr. Toomey and I are asking Georgians to remain vigilant in our fight against COVID-19," said Governor Kemp in a press release.HAWAIIOn Nov. 16, Democratic Gov. David Ige issued an emergency order stating that "all persons in the State shall wear a face covering over their nose and mouth when in public" except children under the age of 5 and individuals with disabilities or a medical condition.Last month, Hawaii allowed travelers back to the islands without quarantining for two weeks if they could produce a negative coronavirus test. Hawaii has a statewide mask mandate.IDAHOLast month, Republican Gov. Brad Little signed a statewide public health order that limited indoor gatherings to 50 people and meetings outdoors to 25% capacity. Everyone at a long-term care facility must wear a mask.“Hospitals throughout the state are quickly filling up or are already full with COVID-19 patients and other patients, and way too many healthcare workers are out sick with COVID-19,” Governor Little said.There is no mandatory mask mandate in place.ILLINOISThe City of Chicago implemented another stay-at-home advisory, which went into effect on Monday.Last week, the Illinois Department of Public Health urged residents to take extra precautions for the next three weeks, including working from home, participating in essential activities only, and limiting travel and gatherings.A statewide mask mandate has was put into effect in April.INDIANARepublican Gov. Eric Holcomb announced last week that the state had put in new restrictions that went into effect on Sunday.According to WRTV, Holcomb placed restrictions on social gatherings, indoor and outdoor, with churches and religious groups exempted from the new limits.Indiana has had a statewide mask order since July.IOWARepublican Gov. Kim Reynolds issued a new order that people must wear masks indoors; gatherings are limited to 15 people indoors and 30 people outdoors. Reynolds also restricted bars and restaurants to be open between 6 a.m. and 10 p.m., while permitting takeout and drive-thru services outside of that window. KANSASBeginning Nov. 25, everyone must wear face coverings when inside public spaces, or in situations where physical distancing of 6 feet cannot be maintained, Democratic Gov. Laura Kelly stated.Kansas has had a statewide mask mandate since July.KENTUCKYOn Nov. 4, Democratic Gov. Andy Beshear extended the state's mask mandate order through Dec. 4, according to WLEX.On Nov. 18, Gov. Beshear announced that beginning Nov. 20 to Dec. 13, private/indoor social gatherings will be limited to your current household plus one other household and cannot exceed a total of eight people, WLEX reported.For events at venue spaces, only 25 people can be in a room. This will run from Nov. 20 to Dec. 13 as well.Gov. Beshear added that there will be no indoor services at bars and restaurants from Nov. 20 to Dec. 13.LOUISIANALast week, State District Judge William Morvant ruled that Democratic Gov. John Bel Edwards' COVID restrictions would remain."Today is a victory for public health in the state of Louisiana and for all of those people, from our health care heroes, including our doctors, nurses, and other medical professionals to our scientists and researchers, who are fighting every day to slow the spread of COVID and save lives here," Gov. Edwards said in a statement.Edwards said on Nov. 5 that the state would stay in Phase 3 and keep its current COVID-19 mitigation measures in place until Dec. 4.Louisiana has had a statewide mask mandate since July.MAINEBeginning Nov. 20, all outdoor and indoor amusement venues, movie theaters, performing arts venues, casinos, and businesses that provide seated food and drink service must close by 9 p.m, Democratic Gov. Janet Mills issued in an executive order.Gov. Mills announced that effective Nov. 16, anyone coming into the state from Massachusetts must quarantine for 14 days or test negative for COVID-19 within 72 hours of arriving into the state.On Nov. 5, Gov. Mills issued an executive order making it mandatory that everyone wear face coverings in public settings, regardless of their ability to maintain physical distance.Maine has had a statewide mask mandate in place since May.MARYLANDRepublican Gov. Larry Hogan said beginning Nov. 20, restaurants, bars, and other establishments must close by 10 p.m. and all retail businesses, religious institutions, and other venues must limit indoor capacity to 50%.On Nov. 11, Gov. Hogan reduced indoor operations' capacity at bars and restaurants from 75% back to 50%.The Maryland Department of Health is "strongly warning against" any indoor gatherings of more than 25 people.Maryland's mask mandate has been in place since July.MASSACHUSETTSRepublican Gov. Charlie Baker issued a partial stay-at-home order that went into effect Nov. 6, advising to stay home between the hours of 10 p.m. and 5 a.m.The order stated you could only leave home to go to work, school, or essential needs. Face coverings are required if you leave home.MICHIGANOn Sunday, Democratic Gov. Gretchen Whitmer announced a "Three-Week Pause" beginning Nov. 18, where in-person classes at high schools and colleges statewide, dining in restaurants, bars, and casinos, and movie theaters will all be temporarily closed.MINNESOTADemocratic Gov. Tim Walz issued an executive order stating bars and restaurants must stop serving at 10 p.m., but can still offer takeout and delivery. Attendance at weddings, funeral, and social gatherings was limited to 50 people as of Nov. 7 and maxed out at 25 people on Dec. 11.The state has had a statewide mask order since July.MISSISSIPPIOn Monday, Republican Gov. Tate Reeves announced on Facebook that he'd added seven counties to his list of counties under a mask mandate.Gov. Reeves said the new counties are Hinds, Madison, Pontotoc, Tate, Winston, Itawamba, and Montgomery. According to the Associated Press, the 15 already under a mandate are Benton, Carroll, Covington, DeSoto, Forrest, Harrison, Humphreys, Jackson, Lamar, Lauderdale, Leflore, Lee, Marshall, Rankin, and Yalobusha.Gov. Reeves said the mask mandate would stay in effect until Dec. 11.MISSOURIOn Nov. 12, Republican Gov. Mike Parson announced that individuals at K-12 schools who correctly wear a mask does not have to quarantine if exposed to a person who does test positive for COVID-19.“Schools that are consistently implementing COVID-19 mitigation strategies remain among the safest places for our students,” Governor Parson said in the press release. “We believe this change will lead to more schools encouraging proper mask usage, helping to further protect students and educators from the spread of the virus.”Missouri does not have a statewide mask mandate in effect.MONTANABeginning Nov. 20, Democratic Gov. Steve Bullock said all bars, restaurants, and casinos must close at 10 p.m. Public gatherings were also limited to 25 individuals where social distancing is not possible, and face coverings are required in all counties.Montana has had a statewide mask mandate since July.NEBRASKA Nebraska Governor Pete Ricketts announced Monday that the state has less than 25% hospital capacity, leading the state to make more significant restrictions.According to KMTV, Gov. Ricketts said the state is still declining to enact a mask mandate.NEVADABeginning Nov. 24, a three-week "statewide pause" will go into effect, which means masks are mandatory at all times when around people not in your household.On Nov. 10, Democratic Gov. Steve Sisolak asked residents to stay home as much as possible for the next two weeks.The state has had a mandatory mask mandate since June.NEW HAMPSHIREBeginning Nov. 20, anyone over the age of 5 must wear a mask indoors and outdoors at public spaces.Although the state does not have a statewide mask mandate, face masks are required at scheduled gatherings of more than 100 people unless everyone is seated and spaced 6 feet apart.NEW JERSEYDemocratic Gov. Phil Murphy announced Monday beginning Tuesday, the state would reduce indoor gatherings to 10 people, and on Nov. 23, state officials would limit outdoor gatherings to 150 people.Religious services and celebrations, political events, weddings, and funerals are still limited to 25% or up to 150 people.New Jersey has had a statewide mask mandate since July.NEW MEXICOOn Monday, New Mexico Gov. Michelle Lujan Grisham’s stay-at-home order went into effect and would run through Nov. 30. The order states that essential businesses, like grocery stores and pharmacies, are to be open.The state has been under a mandatory mask mandate since May.Violators could face a 0 fine if not wearing a mask while out in public.NEW YORKOn Friday, bars and restaurants with a liquor license in New York state are to close by 10 p.m., and officials will limit indoor gatherings at private homes to no more than 10 people. Gyms are to close by 10 p.m. as well.The state has been under a statewide mask mandate since April.NORTH CAROLINADemocratic Gov. Roy Cooper announced in an executive order that from Nov. 13 to Dec. 4, indoor gatherings are limited to 10 people. According to the NC Dept. of Health, everyone should wear masks at retail businesses, restaurants, and gyms.NORTH DAKOTANorth Dakota Republican Gov. Doug Burgum announced that face coverings are to be worn at indoor businesses and indoor public settings, and general outdoor locations where physical distancing isn’t possible. The executive order is effective from Nov. 14 through Dec. 13.OHIOBeginning Nov. 19, Gov. Mike DeWine issued a three-week curfew which is aimed at getting people to stay home from 10 p.m. to 5 a.m.On Monday, Gov. DeWine announced an executive order that goes into effect Nov. 17 that there's no dancing at wedding receptions. Guests must be seated at all times at funerals and weddings.Since July, the state has been under a statewide mask mandate.OKLAHOMARepublican Gov. Kevin Stitt announced that beginning Nov. 19, all restaurants must ensure tables stay 6 feet apart, and all bars and restaurants will close at 11 p.m., except for curbside and drive-thru windows. On Nov. 17, all state employees must start wearing a mask at work and state buildings.A few cities, including Oklahoma City and Tulsa, have adopted mask requirements, but the state is not under a mandatory mask mandate.OREGONGov. Kate Brown placed a mandatory mask mandate in July. From Nov. 18 to Dec. 2, Oregon will be in a statewide "Two-Week Freeze" by limiting social gatherings of no more than six people total, from no more than two households – indoor and outdoor. Also, limited faith-based organizations are limited to 25 people indoors and 50 people outdoors.PENNSYLVANIAIn Pennsylvania, all in-person businesses may operate at 75% occupancy, restaurants may open at 50% capacity for indoor dining, and serving alcohol must stop at 11 p.m. All entertainment like casinos and movie theaters are to host at 50% capacity.Pennsylvania's state mask mandate went into effect in July.RHODE ISLANDBeginning Nov. 19, Democrat Governor Gina Raimondo stated indoor gatherings must be limited to single families and no more than 75 people must attend outdoor events.Gov. Raimondo issued a stay-at-home advisory on Nov. 8. Indoor and outdoor social gathering has been limited to 10 people. All restaurants, bars, gyms, recreational facilities, and personal services must close at 10 p.m. during the week and close at 10:30 p.m. on the weekend.Masks have been mandatory since May 8.SOUTH CAROLINACharleston and Columbia have placed mask mandates, but Republican Gov. Henry McMaster has not put the state under a mandatory mask mandate.In October, Gov. McMaster ordered that restaurants could return to 100% capacity. SOUTH DAKOTARepublican South Dakota Gov. Kristi Noem has not placed the state under a mandatory mask order. Still, the South Dakota Department of Health recommends “everyone should wear a cloth face cover in public settings and when around who don't live in your household."TENNESSEERepublican Gov. Bill Lee does not plan to announce any new formal COVID restrictions, according to WTVF. The state is not under a mandatory mask mandate, but Nashville, Memphis, Knoxville, and Chattanooga have issued local mask mandates.TEXASOn Friday, the state surpassed 1 million COVID cases, and according to KXXV, Republican Gov. Greg Abbott has not imposed additional restrictions.The statewide mask order went into effect in July.UTAHOn Nov. 9, Republican Gov. Gary Herbert issued a statewide mask mandate. According to KSTU, in-person socializing with anyone outside their household is restricted, extra-curricular activities are prohibited, bars must stop serving alcohol at 10 p.m., and college students will soon be required to take a COVID-19 test weekly.VERMONTRepublican Gov. Phil Scott placed a mandatory mask order that went into effect Aug. 1 and goes through Dec. 15.Gov. Scott issued an executive order that went into effect Nov. 14, stating all public and private social gatherings, indoor and outdoor, shall be limited to participation with only single household members. Restaurants must close in-person dining by 10 p.m.VIRGINIA Democratic Gov. Ralph Northam issued a mask mandate in May. Gov. Northam placed new restrictions on Friday, stating that officials are limiting all public and private in-person gatherings to 25 individuals for outdoor and indoor settings. Restaurants also have to stop serving alcohol after 10 p.m. and must close by midnight.WASHINGTONDemocrat Gov. Jay Inslee issued Sunday a four-week statewide set of restrictions that will go into effect Nov. 16 through Dec. 14. Officials will prohibit indoor gatherings with people outside the household unless they quarantine for 14 days before the social group or quarantine for seven days before the meeting and receive a negative COVID-19 test result no more than 48-hours before the gathering. Outdoor gatherings are limited to no more than five people. Restaurants and bars will be closed for indoor service but able to do outdoor service or to-go service. Grocery stores are limited to 25% capacity. The state has been under a mandatory mask mandate since June.WEST VIRGINIARepublican Gov. Jim Justice issued a mask mandate on Nov. 14 that requires everyone over the age of 9 to wear a face mask, except when eating or drinking at a restaurant.WISCONSINDemocratic Gov. Tony Evers placed the state under a mandatory mask mandate in August, on November 18, he extended that order until January 2021.On Nov. 10, the governor advised residents to stay home, but no new restrictions were put in place.WYOMINGBeginning Nov. 24, Republican Gov. Mark Gordon said 25 or fewer persons can gather indoor and outdoor without distancing, gathering indoors with distancing are limited to 25% capacity with a maximum of 100 people, and outdoor gatherings are limited to 50% capacity with a maximum of 250 people. Gov. Gordon told residents to quit being "knuckleheads" and take the coronavirus more seriously. According to the Wyoming Dept. of Health, there are no travel restrictions in Wyoming for U.S. travelers.Currently, the state is not under a mandatory mask order. 19792

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

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 Bill Cosby's retrial found the TV icon guilty of all three counts of aggravated indecent assault on Thursday for drugging and sexually assaulting Andrea Constand at his home in a Philadelphia suburb in 2004.The 80-year-old comedian faces up to 10 years in prison on each count, but would likely serve them concurrently. A sentencing hearing has not yet been scheduled, and he remains out on bail.Cosby did not have an audible reaction to his conviction, but erupted shortly afterward. Minutes after the verdict, prosecutors asked the judge to revoke Cosby's bail because they say he is a flight risk and has a private plane.Cosby, who did not testify in the trial and has sat quietly throughout the proceedings, then stood up and yelled in a loud, booming voice: "He doesn't have a plane, you asshole."Judge Steven O'Neill ruled that Cosby should not leave his Pennsylvania home, and that he would need to be fitted with a GPS tracking device.What the case was aboutThe case against Cosby centered on testimony from Constand, a former employee with Temple University women's basketball team. She testified that Cosby, a powerful trustee at Temple, drugged her and sexually assaulted her when she visited his home to ask for career advice.Cosby's defense team argued that their interaction was consensual. Constand is a con artist, they argued, who wanted a piece of Cosby's fortune.After the trial concluded, Constand left through a side door in the courtroom, walking into a hallway with her arms around two women and a huge smile on her face.The case is the first celebrity sexual assault trial since the #MeToo movement began last fall, and as such, represents a test of how the cultural movement will translate into a courtroom arena.In closing arguments, defense attorney Kathleen Bliss positioned Cosby's legal team as standing up against "witch hunts, lynchings (and) McCarthyism."Attorney Gloria Allred, who represents many of the women who have accused Cosby of misconduct, said this was the happiest she had been with a verdict in 42 years."We are so happy that finally we can say, women are believed. And not only on #MeToo but in a court of law where they are under oath, where they testified truthfully, where they are attacked," Allred said. "After all is said and done, women were finally believed."Cosby's attorney, Tom Mesereau, said he plans to appeal "very strongly.""We are very disappointed by the verdict. We don't think Mr. Cosby's guilty of anything and the fight is not over," he said.The guilty verdict is a remarkable turn of events for the man once known as "America's Dad." Cosby was a groundbreaking actor and the first African-American performer to win an Emmy for his role on "I Spy." His portrayal of the sweater-loving Cliff Huxtable on "The Cosby Show" was one of the first mainstream TV shows to feature a black upper-middle class family.Previous trial ended in a hung juryAlthough dozens of women have accused Cosby of sexual misconduct, only Constand's allegations resulted in criminal charges."I feel like I'm dreaming," Lili Bernard, who has accused Cosby of assault, said afterward. "I feel like my faith in humanity is restored."The verdict came a year after Cosby's previous trial ended in a mistrial, as a different panel of jurors said they were deadlocked and could not unanimously agree on a verdict. This jury began deliberating Wednesday around 11 a.m., and worked for more than 14 hours over two days to reach the verdict.At the retrial, five other Cosby accusers testified as "prior bad acts" witnesses and said that Cosby had drugged and assaulted them decades ago. Prosecutors said these women's stories showed that Cosby had a pattern in his actions and did not make a one-time mistake in his interactions with Constand.The-CNN-Wire 3806