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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 National Rifle Association should move its annual convention from Dallas to somewhere else after last week's massacre at a Florida high school that left 17 students dead, a Dallas city official says.It's not appropriate for the group to meet in Dallas in May because there's so much gun violence in the United States, Dallas City Council Member Dwaine Caraway saidAssault rifles like the one used in the Florida school shooting should be outlawed, he said Monday at a news conference, and "the NRA needs to step up to the plate and they need to show leadership."CNN's calls to the NRA for comment were not immediately returned.Caraway, who is serving as mayor pro tem, meaning he fills in when the mayor is absent, said he's expressing a personal belief about the NRA and has not initiated any action in the city government to stop the convention.At a Monday news conference, Caraway said he had not spoken directly to any NRA officials."I am saying to the NRA, reconsider yourselves coming to Dallas," Caraway said. "There will be marches and demonstrations should they come to Dallas and we, Dallas, will be the ones that have to bear the cost and the responsibility and to protect the citizens."Caraway noted that gun violence has visited Dallas before, with the 1963 assassination of President John F. Kennedy and the 2016 slaying of five city police officers. Caraway said he owns five firearms himself but thinks assault rifles should only be available for the military and law enforcement."Who needs an AR-15 to go hunting?" he said. "Who needs an AR-15 to protect their house?"The NRA convention is scheduled to take place May 3-6 in the Kay Bailey Hutchison Convention Center in Dallas. This is the group's 147th annual meeting, according to the NRA website, which invites "over 80,000 patriots and 800+ exhibitors" to attend."Why the NRA now?" Caraway said. "Because it's their convention. It's because it's their responsibility. It's because they stand for the very things we are confronted with every day of our lives. Those kids in Florida, they will have to live with these nightmares the rest of their lives."In a Tuesday interview with CNN, Caraway said leaders should listen to those students."If those kids in Florida, for example, knew that something was being addressed then they wouldn't be staging protests," he said. "Those kids need to be at the table, and voicing their opinions. The NRA needs to open their ears and hear what is it we need to strengthen, what it is we need to limit, and then everyone comes out happier and safer."Dallas Mayor Mike Rawlings issued a statement saying he disagreed with the NRA's viewpoint and tactics, but "they have a legal contract that was signed in 2012 and I'm not advocating that we violate that agreement. Hopefully we will take the opportunity in Dallas to engage in meaningful dialogue about how we work together to end mass killings in America."President Trump spoke at the 2017 NRA convention, which was held in Atlanta. It's not known if he will attend the 2018 meeting.  3059

The President's eldest son Donald Trump Jr. downplayed Monday a 2016 meeting between top campaign aides to his father and a Russian lawyer, saying the highly scrutinized engagement "ended up being about essentially nothing that was relevant" to questions of collusion.The remarks, which came during a friendly interview on The Laura Ingraham Show, came after President Donald Trump wrote on Twitter the June 2016 meeting was intended to get damaging information on his Democratic opponent Hillary Clinton — contradicting a statement he dictated when the meeting came to light a year ago.In the interview Monday, Trump Jr. said the session lasted 20 minutes, and maintained the central focus was on adoptions — even as he conceded the Clinton dirt was how the Russian lawyers secured the meeting in the first place. 822

The nation's first fast-food hamburger chain wants you to carry their sliders safely during the pandemic.White Castle debuted their Crave Clutch, which carries 20 of their sliders. 188

The National Rifle Association's executive vice president and CEO Wayne LaPierre slammed Democrats for their reaction to the mass shooting in Parkland, Florida, and warned of government overreach extending far beyond the limiting of fire arms."What they want is more restrictions on the law-abiding," LaPierre said on stage at the Conservative Political Action Conference outside Washington. "They want to sweep right under the carpet the failure of school security."Despite the fact that Republicans control both chambers in Congress and the White House, LaPierre spent a signficant portion of his remarks warning of expanding socialist political ideas and he called out rising star Democratic lawmakers -- many of them potential 2020 candidates -- by name. He criticized independent Vermont Sen. Bernie Sanders, California Democratic Sens. Kamala Harris and Elizabeth Warren and other high-profile Democrats like New Jersey Democratic Sen. Cory Booker.  968