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The next few weeks mark the beginning of serious financial uncertainty for millions of people, because a slew of debt, from income tax payments to several months of rent, are going to be due at the same time. “It is going to be a perfect storm of financial difficulty for many, many people,” said Andrea Bopp Stark, an attorney at the National Consumer Law Center (NCLC).The center recommends three steps for anyone that finds themselves in a financially difficult situation regarding debt.Step one: create a list of priority bills and debt to pay off. “People are going to be barraged with debt collectors calling and trying to get them to pay on a medical debt or a credit card debt, but those debts are less important,” said Stark. “Pay debts that if you didn’t pay them it would cause immediate harm to your family.”Those are things like your rent and a car payment, especially if you need your car to go to work.“If you have a judgment against you, a court judgment against you for a debt, it is important to try and make a payment plan to pay that because creditor could issue a garnishment against your wages,” Stark added. Step two: contact your lender to make a payment plan on those priority debts.“We are seeing data come in that there are people who are delinquent and don’t have a forbearance agreement when they could very easily be in a forbearance agreement,” Stark added. “I know wait times on the phone are horrible right now, but you have to be persistent and get through and find out what help is available.”Data collected by the U.S. Census shows that delinquency rates are higher in communities of color.“It is mostly Black and Latinx borrowers who are not getting these forbearance agreements,” said Stark. “Whether they don’t know about it or nobody is reaching out to them to let them know this is available, we don’t know why but that is a population that is going to be disparately impacted and has already been disparately impacted by this whole crisis.”Step three: find a way to stick to your prioritized debt list. “It may sound obvious but if you have it on paper and you have created a budget, stick that to the refrigerator or wherever, then you know these are the priority spending items,” said Stark. “If your son or daughter say, ‘Oh, I want this or that,' ‘no, look at the fridge these are our priority spending items, sorry.’” Because every situation may not be solved in three steps, the NCLC has now made its in-depth guide to Surviving Debt available for free. It has template letters to send to debt collectors and hundreds of pages of help to get you through this tough time. 2626
The investigation regarding the photo taken by firefighters at 611 South Green Street is complete. The investigation reveals that firefighters did enter the location to initiate fire suppression operations. However, due to concerns about structural integrity, the firefighters were ordered out to assume a defensive posture. During this transition from offensive operations to defensive operations, a suggestion was made to take a photo, with the retiring battalion chief, in front of the building.Detroit Firefighters risk their lives everyday entering burning buildings and performing dangerous technical rescues. Saving lives and saving property is our mission, and the men and women of DFD execute this mission without hesitation. I hold them in high esteem; we should all hold them in high esteem for their sacrifices. This momentary lapse in judgment brought great embarrassment to our department and our great city. For this poor judgment, all involved will be held accountable. Because this is a personnel matter, I cannot discuss details of the discipline. However, supervisors and above will receive a greater degree of disciplinary accountability. I am satisfied that everyone involved has shown the appropriate level of regret for this inappropriate behavior.The Detroit Fire Department will continue to provide excellent, rapid service to the citizens of Detroit. 1384

The man accused of shooting his estranged wife and her friend at an apartment complex in Ortonville, Michigan is behind bars this morning thanks to the quick-thinking action of a resident and law enforcement. 222
The grave site of the five men who died, allegedly at the hands of Alferd Packer, are buried near Deadman Gulch, a couple miles south of Lake City. 156
The novel coronavirus pandemic is impacting normal routine, and that includes elections.By now, both presidential campaigns would traditionally be crisscrossing the country, holding rallies for thousands in various swing state cities. But that's not the case.TRUMP'S STRATEGY VS BIDEN'S STRATEGYPresident Donald Trump has stopped rallies following his appearance in Tulsa, Oklahoma, where crowds did not meet expectations. However, the president is using the power of the office to still travel to swing states and hold official White House events. In the last three weeks, President Trump has held official White House events in Texas, North Carolina, Georgia, Florida and Ohio. Meanwhile, the Democratic nominee, Joe Biden, has suspended virtually all swing-state travel. Biden has made several speeches in Pennsylvania, but that is a quick drive from his home in Delaware. Instead, Biden has campaigned virtually, holding online streaming events, while granting interviews to several local television stations in swing states. IS BIDEN'S STRATEGY WORKING? President Trump has attacked Biden's strategy, saying the former vice president "won't get out of his basement." The Biden campaign believes it is has energized supporters. "We are campaigning in a way that we can keep our supporters, our staff safe, but we are still getting the vice president’s message out," TJ Ducklo, press secretary for the Biden campaign, said. When asked if Biden supporters may get tired of virtual events by the November election, Ducklo said, "We are seeing an incredible amount of support throughout the country."WHAT OUR REPORTERS ARE SAYINGTo get insight into whether the Biden strategy is working, we asked Scripps' political reporters in Detroit and Cleveland to ask their sources."I don’t know if the virtual events are mobilizing voters beyond those that are already mobilized," said John Kosich, political reporter with WEWS in Cleveland."I think the novelty of politics as a whole has worn off," weighed in Brian Abel, a political reporter with WXYZ in Detroit. "People are ready to cast their votes." 2104
来源:资阳报