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The Lincoln Project today released the following statement in response to allegations made by Jerry Falwell, Jr. this morning: pic.twitter.com/8VImsL8D1B— The Lincoln Project (@ProjectLincoln) October 29, 2020 217

The news conference has concluded. Sheriff Ayub has confirmed the body recovered at Lake Piru today was Naya Rivera. Our hearts go out to her family, friends and fans during this difficult time. An autopsy will be performed to determine the cause of her death.— Ventura Co. Sheriff (@VENTURASHERIFF) July 13, 2020 321

The list of people who are unaccounted for after the Camp Fire in Northern California has 1,011 entries, Butte County Sheriff and Coroner Kory Honea said Friday evening.The sheriff said the list is imperfect and will fluctuate in number because it is raw data that needs to be refined.The death toll from the fire is now 71 after eight sets of remains were found Friday, Honea said. Three other deaths occurred in the Woolsey Fire in Southern California, making the statewide death toll from wildfires 74.With more personnel able to take reports from phone calls and emails and add names from 911 calls on the day the fire broke out, the number of names on the missing list swelled for the second consecutive day.The Camp Fire -- the deadliest and most destructive wildfire in state history -- has destroyed about 9,700 homes and scorched 146,000 acres (an increase of 5,000 acres Friday).Hundreds of deputies, National Guard troops, anthropologists and coroners are sifting through leveled homes and mangled cars for remains."They are going to be searching vehicles that have been burned. They'll be searching residences that have been burned. Checking around the residences ... our mission is to find the victims from this fire, recover them and get them identified and notify the families to give them some answers," Butte County Sheriff's Investigations Sgt. Steve Collins said Thursday.President Donald Trump is expected to visit the region Saturday. Gov. Jerry Brown and Gov.-elect Gavin Newsom plan to accompany him.Smoke from the large wildfire has prompted several universities to cancel or postpone sporting events. That includes the University of California, Berkeley men's basketball game Thursday night, which was called off, and its football game, which was rescheduled for December 1. 1827

The Pac-12 has set Sept. 26 as the start of its 10-game conference-only football schedule. The Pac-12 announced three weeks ago it would eliminate nonconference games for its 12 member schools.. The new plan adds an additional cross-divisional game to each team’s slate and moves the conference championship game back two weeks to Dec. 18 or 19. That game was set to be played for the first time at the new NFL stadium in Las Vegas. It will now be hosted by the highest-seeded team.“From the onset of the COVID-19 crisis, we have been committed to prioritizing the health and safety of our student-athletes and all those connected to our athletic programs,” said Pac-12 Commissioner Larry Scott. “The schedule and plans approved today and path to return to competition are subject to public health orders and will be taken in accordance with the health and well-being guidelines developed by our Pac-12 Medical Advisory Committee. The schedule and return to play plans provide for maximum flexibility and the best opportunity to play all fall sports in an environment that prioritizes safety. At the same time, we will continue to evaluate the best available science, data and advice of public health officials as we make decisions and any required adjustments going forward.” 1284

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

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