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Court of Claims Judge Christopher Murray has issued a preliminary injunction that stops the ban on open carry guns at polls in Michigan.The ban directive was issued by the Michigan secretary of state to prevent voter intimidation.An attorney for the state argued before the judge this afternoon that the ban was issued because of open carry protests inside and outside of the state capitol over the governor's COVID-19 lockdown orders and the criminal case against 14 men in an alleged plan to kidnap Gov. Gretchen Whitmer.She also told Judge Murray they have heard poll workers are afraid to work on election day.Gun rights advocates argued the secretary of state overstepped her authority as one elected official and this ban needs to be passed by the legislature.The Michigan attorney aeneral says she will take the case to the Court of Appeals in this statement:"We intend to immediately appeal the judge’s decision as this issue is of significant public interest and importance to our election process."This article was written by Jim Kiertzner for WXYZ. 1068

CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

CLEVELAND — A skin cancer survivor is baffled after she was ticketed for tinted windows, despite telling the officer the tint was for health reasons, and she said the city would not work with her on a solution.Parma Heights, Ohio resident Shannon Coughlin said she was running an errand in Brooklyn, Ohio on Sept. 14 when she was pulled over by a police officer.Body cam footage obtained by WEWS shows the exchange between Coughlin and the officer.“The reason I stopped you [is] your windows are too dark,” the officer can be heard saying in the video.Later in the video, Coughlin explained why she had to have the tint installed — she used to have skin cancer.She showed us pictures from her past surgery.“I told him I had the tint put on there because I was diagnosed a couple years ago with skin cancer, and the doctor had said that I should take any precautions that I could,” she said. “I’m just trying to avoid getting another scar on my neck.”The officer told her she would need to keep a note from her doctor in her car while driving. She didn’t know.“[I was] shocked,” she said. “Beyond shocked.”He also told her if she had documentation, she could bring it to court.Later that month, her doctor wrote her a note that said, in part, the “tint is considered medically necessary.” Skin cancer survivor Shannon Coughlin got a letter from her doctor after the ticket from Brooklyn Police was written. She knows now to carry this with her in case she gets stopped again.Between a fine and court costs, Coughlin faced a 0 ticket for tinted windows. She said she asked the mayor’s court clerk if she can schedule a meeting to speak with the mayor or another city official to discuss the ticket and her reason for needing the tint.Coughlin said the city told her the only time she could speak with an official was during her court session.WEWS checked with the mayor’s court clerk, who confirmed that the only time to discuss a ticket is when coming in during a court date.Coughlin said she had just gotten a new job, and she didn't think going to court to fight the 0 fine was worth the impact on her job. She waived her right to a court hearing and paid the ticket.“No one was listening or giving me any kind of chance,” she said. “I still had to pay the fine.”WEWS requested an on-camera interview with Brooklyn Mayor Katie Gallagher about Coughlin’s incident. She declined but did answer questions via email, which you can read in full at the end of this story.Her statement said, in part, “[Coughlin] did not reach out to my office about this matter at any point.”“The Brooklyn patrol officer wrote the ticket based on the information he had available to him at the time of the stop, which did not include any medical information,” Gallagher said. “Ms. Coughlin then paid the ticket instead of coming to court and presenting the note she received from her doctor after the ticket was written.”WEWS also reached out to Brooklyn Police Chief Scott Mielke, who said in Coughlin’s case, he would have fielded questions about the tinted window ticket.Gallagher also said the city’s administration sets the waiver schedule with help from the magistrate, police, Ohio law and, in part, what other communities do.WEWS looked at public court fees and fines for 10 other similar sized cities, including: Beachwood, Bedford Heights, Macedonia, Oberlin, Ravenna, Seven Hills, Sheffield Lake, Wlloughby Hills, University Heights and Vermillion.Not one specifically lists tinted windows in their waiver schedules. Brooklyn does.WEWS also compared the 0 fine to other violations in Brooklyn. For example, a driver can get into an accident with property damage and it costs just as much.Some traffic violations in the city that have smaller fines than tinted windows. This includes driving 15 miles per hour over the speed limit, child restraint issues, driving an unsafe vehicle and trick riding.Gallagher told us “…any traffic violation can be considered serious.”Coughlin believes she should’ve received a warning for her tinted windows. She also believes she should have had a chance to speak with city officials about her need for the tint.“I don’t think getting ticketed for having something medically necessary was at all deserved,” Coughlin said.You can read Gallagher’s responses to questions below:What part of the city's government comes up with the waiver schedule? I have been told the administration sets those fees but I haven't gotten confirmation on that just yet. The administration establishes the waiver schedule with consultation with from the magistrate and clerk of courts.How are they determined? Court costs are determined first, and then appropriate fines are added.Are there comparisons to other like-communities and then you adapt to fit your needs? Other communities' waiver schedules are considered in part, yes.Is there a rule or something in the Ohio Revised Code that helps guide you on where to set the waiver fees? The Revised Code establishes the maximum fines for misdemeanor and traffic offenses based on the level of offense, and we do not exceed those.Does the police department help with setting the fees? The department assists in gathering information for the administration's review of a proposed waiver schedule.We did notice the tinted window violation comes with a 0 total fee. That total includes in court costs and an fine. We also noticed other violations like driving left side of road, right of way to public safety vehicles, etc. have the same fee. Are those violations equal in severity to tinted windows in your mind? Depending on the circumstances of a particular incident (as suggested by the newly enacted H.B. 95 [legislature.ohio.gov] ), any traffic violation can be considered serious, and as with every mayor's and municipal court, waiver schedules take that into account. It is also why people who do not wish to waive their right to appear have the right to come to court to speak to a magistrate.Other violations in the waiver schedule show speeding up to 15 mph over the given limit, stop/yield signs, traffic lights/red light, one-way street, seatbelt passenger, driver and a child restraint are all less than the tinted windows violation. Do you view tinted windows as a higher violation than those moving and/or safety constraint violations?  My prior response addresses this question.There are also violations called "trick riding" and "unsafe vehicle" that are at 5 and 5, respectively. Do you also view these as violations not equal to the tinted windows violation? My prior response addresses this question. 6674

COCKEYSVILLE, Md — A unique program that partners retired thoroughbred racehorses with veterans to help combat PTSD is now adapting to help Maryland National Guardsmen who are responding to the COVID-19 pandemic."It's been rewarding every day. Just to see the smiles on the faces," employee Steve Mooney said.Mooney first got involved with Saratoga WarHorse 5 years ago, participating after he got back from a deployment in Afghanistan and suffered from PTSD and insomnia."It has help me cope with things a little different. Help me look at stress a little different," Mooney said.After going through the program in another state, Mooney helped start a branch at the Baltimore County Center for Agriculture in 2018."How many marriages did we save? How many people came off substance abuse?" Mooney said.He said the program changes lives with the connection veterans work to earn from horses."They're running around the pen trying to avoid you, and then as you interact with the horse, it comes to a point that the horse is gonna say, 'alright, I wanna be your friend now,'" Mooney said."You can see that moment when that horse and that vet decide to become friends, and there's a kind of like a handshake, and that's probably the coolest part of this whole program for me," volunteer Marc Junkerman said.An Army vet, Junkerman also decided to volunteer with the program after participating himself and feeling the change."I had to be mindful that whatever I was bringing into that ring had to positive. I had to put all the negativity down because otherwise, you're not going to get that connection with the horse. So, what's really cool is if you put that negativity down and then go in there and connect, you usually bring something better out," Junkerman said. "The flip side is, why would you then pick up something you put down? We will clean it up with the other stuff at the end of the day."Now, the program is adapting to help the thousands of Maryland National Guardsmen who dropped what they were doing to help the state through this pandemic."This is a completely different thing that none of us have dealt with in the past," Tech Sgt. Miriam Jarvis said.Jarvis was one of the first to try the pilot program on the eve of Veterans Day and said she would definitely tell her fellow service members about the unique opportunity."We can relax more when we are outside the base and take off the uniform, and we can just express what we are feeling, so this is a huge opportunity for people to come off base and do that," Jarvis said.This story was originally published by Abby Isaacs on WMAR in Baltimore. 2620

CLAYTON, Mo. (AP) — St. Louis County’s top prosecutor announced Thursday afternoon he reached the same conclusion recently that the Department of Justice did years ago, that there is not enough evidence to charge a former officer in the fatal shooting of Michael Brown in Ferguson, Missouri. Prosecuting Attorney Wesley Bell's announcement could reopen old wounds amid a renewed and intense national conversation about racial injustice and the police treatment of minorities. Bell said his office's investigation did not exonerate the former officer, Darren Wilson. 574

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