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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 hurricane that swept ashore in Louisiana less than 24 hours ago has weakened to a tropical depression and is bringing heavy rain to western Mississippi.The National Hurricane Center says maximum sustained winds of what was once Hurricane Delta were clocked at 35 mph at around 10 a.m. local time Saturday. At that time, the storm was centered about 65 miles north-northwest of Jackson, Mississippi, and was moving northeast at 16 mph.Tropical storm-force winds gusts will persist for a few more hours over portions of Mississippi and southeastern Arkansas during the day Saturday.Officials say heavy rainfall will lead to flash flooding and minor river flooding across Lower Mississippi and Tennessee Valleys Saturday and into the Southern Appalachians through Sunday.“Minor to major river flooding will continue across portions of Louisiana and Mississippi through much of the week,” NHC said.Hurricane Delta made landfall as a Category 2 storm in southwestern Louisiana. The center of the storm hit land at 6 p.m. Friday near Creole, with top winds of 100 mph.Around landfall, a National Weather Service water gauge at Freshwater Canal Locks, Louisiana, reported a storm surge inundation of more than 8 feet above ground level. The NHC says water levels will continue to subside along the Louisiana coast Saturday.Delta was the 10th named storm to hit the continental United States this year, breaking a century-old record. 1437

The massive new Museum of the Bible opens just blocks from the U.S. Capitol in Washington, D.C. later this week.Measuring 430,000 square feet, the privately-funded, 0 million project houses over 2,800 artifacts going back to biblical times. And then there's the building's size and scope, which rivals some of the neighboring Smithsonian museums on the National Mall, and the top-floor view of the Capitol Dome."Some people think we're coming here to have an influence on Congress. Who doesn't come here to have an influence on Congress," said Steve Green, the chairman of the museum's board.As President of Hobby Lobby, Green has already made an impact in Washington and around the country when the Supreme Court in 2014 sided by a 5-4 vote with his company over the Obama Administration, ruling the Affordable Care Act's contraception mandate to be a violation of the family-owned, for-profit business' religious freedom.But Green says any influence the Museum of the Bible may have on members of Congress who come to view the exhibits is only a happy byproduct of the real reason why the museum found its way to its Washington location. According to Green, the museum's leadership selected the city for the capital's foot traffic, not politics, and executive director Tony Zeiss says their settling on a building so close to the Capitol "was simply coincidence." The museum, which opens Friday after seven years of planning, focuses on the history, stories, and impact of the Bible, and includes interactive features like a space re-creating Jesus's first-century village.But the museum doesn't shy away from American politics, either, with exhibits detailing the Bible's importance from 17th century Puritan settlers to the 20th century civil rights movement, and how the Bible was used to justify both pro- and anti-slavery stances that drove America into Civil War."We want people to see how it was used for the good, the bad, and the ugly," says Norm Conrad, the museum's curator for Americana and Biblical Imprints.If there's any lesson on today's politics and culture visitors should take away, the museum's leaders aren't telling. Their goal in Washington, they say, is to inspire people to read the Bible.  2248

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 Oklahoma teacher walkout is ending after nine days, Oklahoma Education Association President Alicia Priest said Thursday.After getting 9 million in funding for the next school year, the OEA decided to end the walkout, Priest said in a news conference, though the funding falls short of what they'd hoped to achieve."We need to face reality," Priest told reporters. "Despite tens of thousands of people filling the Capitol and spilling out onto the grounds of this Capitol for nine days, we have seen no significant legislative movement since last Friday."Priest said the OEA had been in negotiations with lawmakers in both the Oklahoma House and Senate, but it became clear that "Senate Republicans won't budge an inch on any more revenue for public education."The OEA had been polling its members throughout the walkout, and Priest said that by Thursday, 70% of respondents indicated they were unsure of continuing the walkout.Priest claimed Oklahoma teachers had secured a "victory." Reporters at Thursday's news conference pressed her, pointing out that the union gained little, if any, additional funding than what they had before the beginning of the walkout.She pushed back, saying, "We also got funding afterwards."Before teachers walked out on April 2, Gov. Mary Fallin signed a bill giving teachers a ,100 raise. The OEA had called passage of the bill a "truly historic moment," but said it didn't go far enough. They wanted that figure to be ,000.Fallin also signed a bill that raised education funding over the next fiscal year by million. The teachers' union also wanted that number to be higher."This fight is not over just because the school bell rings once more and our members walk back into schools," Priest said in a statement. "We have created a movement and there's no stopping us now."Efforts to obtain more educational funding will continue away from the Capitol, Priest said. The OEA will be supporting its members and candidates who are running for office during the midterm elections against those who opposed funding Oklahoma's schools.Teachers had said additional spending was needed, pointing to deteriorating school facilities and rundown or outdated textbooks.The Oklahoma educators' walkout came on the heels of another walkout in West Virginia, where Gov. Jim Justice signed a bill giving teachers a 5% pay raise after nine days. 2405

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