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SAN DIEGO (KGTV) -- The big concern for many health care workers during the coronavirus pandemic is their protective gear. “It's a scary time with not knowing exactly what's coming at us,” said Jay O’Brien, a local nurse and a representative for the Sharp nurses’ union.“A lot of nurses are very concerned that we don't have the proper equipment. The biggest concern is the lack of N95 masks,” O’Brien said. The masks block at least 95 percent of airborne particles, but there is now a shortage due to the pandemic.Nurses at UC San Diego said they had been wearing N95 masks when interacting with a suspected COVID-19 patient, but the Centers for Disease Control has loosened their guidelines. Now, they are used only during more complicated procedures, such as intubations.UCSD nurse Tiffani Zalinski wrote over the weekend on Facebook that the N95 respirators were "confiscated by the administration and were being distributed on a case-by-case basis." She was upset over the change, saying she works with patients "fresh out of surgery" and the N95 respirator were “the only thing that is going to protect" her. Zalinski adds she "will not willingly be exposed to this disease and inadvertently spread it to others if I have choices and means to protect myself and you."A UCSD spokesperson told Team 10 the new guidelines still represent the "appropriate standards of care."O'Brien said he understands the CDC change. “If we burn through all the N95s now, if things get really bad as this crisis continues, then we're going to run out and have nothing at all,” O’Brien said.“I have no reason to think it's going to get better very soon, hopefully the precautions that we're taking are going to slow things down so that we can safely take care of people,” he added. 1775

SAN DIEGO (KGTV) - The federal watchdog agency that aims to protect consumers from unfair, deceptive, or abusive practices is suing a San Diego-based company.On Tuesday, the Consumer Financial Protection Bureau (CFPB) sued Encore Capital Group and its subsidiaries, claiming they violated the terms of a 2015 legal agreement.The CFPB claims, “Since September 2015, Encore and its subsidiaries violated the consent order by suing consumers without possessing required documentation, using law firms and an internal legal department to engage in collection efforts without providing required disclosures, and failing to provide consumers with required loan documentation after consumers requested it.”The lawsuit says after the effective date of the consent order, “Encore filed more than 100 lawsuits to collect consumer debts after the applicable statutes of limitations had expired."The lawsuit also claims Encore failed to disclose that consumers might incur international-transaction fees.In response to the lawsuit, the company's Executive Vice President, General Counsel, and Chief Administrative Officer Greg Call said Encore is built on a foundation of treating their consumers fairly and respectfully."We are disappointed that the CFPB has chosen to file this lawsuit on outdated issues, but we will continue to engage with the CFPB and work to ensure that we maintain policies and practices that fully comply with all applicable legal requirements. We believe that there will be no material operational impact as a result of the suit," said Call. "We fully corrected the issues underlying the allegations in this lawsuit years ago and are unaware of any unresolved consumer impact."DEBT COLLECTION LAWSUITSPart of the complaint talked about debt-collection lawsuits.In July Team 10 discovered a 157% increase in the number of rule 3.740 collections lawsuits filed in San Diego County court from 2015 to 2019. That involves any debt collection company."If you look not just in the county of San Diego, throughout the state of California, and in fact the dockets throughout the nation, we have a massive epidemic right now," said attorney Abbas Kazerounian during a July interview.Kazerounian said if someone's been sued or contacted by a debt collection company, they need to know their rights."The amount of debt is irrelevant," he said. "It's the method of collection that's controlled by these statutes."RESOURCES:Coping with debthttps://www.consumer.ftc.gov/articles/0150-coping-debtHelp available for renters, homeowners struggling to pay for housing during pandemichttps://www.10news.com/rebound/coronavirus-money-help/help-available-for-renters-homeowners-struggling-to-pay-for-housing-during-pandemic 2724

SAN DIEGO (KGTV) - The Class of 2019 is graduating to a significantly tougher rental market than graduates from ten years ago. Rent hikes and slow income growth are making it more difficult for new grads to afford rental homes, according to a HotPads report. A typical college graduate in the U.S. spends 45.3 percent of his or her income on the median rent of ,740, up from 40.5 percent for the Class of 2009. The rent burden has grown by 22 percent as early-career median incomes have dropped 14.5 percent, HotPads analysts say. In San Diego, the median rent is more than the entire income for new graduates with degrees including biology and business management, at ,000 per year, and nearly the entire income for those with degrees in psychology, at roughly ,000 per year, HotPads reports. The top-earning degrees nationwide were primarily in engineering fields, with mining and mineral engineers earning a median ,854 after college. “As rent prices and student debts rise, affordability concerns for recent college graduates have garnered attention on the national stage,” said Joshua Clark, economist at HotPads. “Graduating from college still typically pays off in the long run, but slower wage growth for college graduates and rising costs have dampened the immediate financial benefits associated with a four-year degree. As renters consider their career interests and their short-term costs of living, where and how they live post-graduation can have more of an impact on their finances now than ever before." Although an education is a major financial investment, it pays off in San Diego’s tight rental market. Renters without a four-year degree would spend 129.7 percent of the median income on rent. Want to know how much you can afford? See the rent ratio chart here. 1801

SAN DIEGO (KGTV) - The magic of Dr. Seuss’s How The Grinch Stole Christmas returns to the Old Globe Theatre for the holidays.This is the 20th year of the family favorite in Balboa Park.The running time is 1 hour, 25 minutes with no intermission. Families with children under age three will be admitted to the 11 a.m. performances only.Get ticket information here. 371

SAN DIEGO (KGTV) - The La Boheme complex in the heart of North Park offers plenty of amenities. It even has a salon and Pilates studio at street level. "Pretty sure the rent's pretty up there," said Arthur Reynoso, walking by the building on Thursday. What most people don't know, however, is that 45 of the 224 condos in the building are affordable - to own. It's rare for one to come on the market, but a handful do each year. In fact, one is about to sell for 5,341, which is about 40 percent off the median condo price of 6,000 in North Park. RELATED: Making It In San Diego: How housing got so expensive"They get snapped up very quickly," said Sujata Raman, director of housing finance at the San Diego Housing Commission. The commission oversees about 250 for-sale affordable homes in San Diego - located in Carmel Valley, Black Mountain Ranch and North Park. Only four are for sale now, and Raman said all have been matched with buyers. However, they can list anytime. RELATED: Making it in San Diego: Key saving steps helped renter buy her first home"When a homeowner decides to sell we assist them by finding buyers because they ultimately have to be income approved and qualified by the housing commission," Raman said. A homeowner can sell the property to anyone he or she wishes - so long as they are qualified - but the commission still maintains an interest list and is accepting applicants. Currently, there are about 275 households qualified for that list. The homes are not listed on the MLS. Still, there are restrictions when owning one of these units. Owners must live in them, and cannot rent out any part to supplement income. The commission checks that annually. Qualified buyers usually have 60 to 110 percent of area median income. RELATED: Making It in San Diego: Best and worst places in San Diego County for home resaleBuyers must come up with a 3 percent down payment to qualify. The homes are deed-restricted for generally 45-50 years, meaning they have to be sold at an affordable price for that time span. However, once that time expires, that home becomes market rate and can be sold for any price. It doesn't reset once a property changes hands. 2194