Wisconsin faces its first losing season in 23 years and the end of a bowl streak when the Badgers host arch-rival Minnesota on Friday in the annual Big Ten battle for Paul Bunyan's Axe. Minnesota (6-5, 4-4) lost to No. 4 Penn State 26-25. Wisconsin (5-6, 3-5 Big Ten) lost its fourth straight, 44-25, at Nebraska in a game that was not as close as the score. "Well 1890 is the first time we played this football team coming up and this is what it's all about," Minnesota coach P.J. Fleck said of the rivalry. "And you wouldn't want to have it any other way, being able to end the season with one of your biggest rivals. I know our guys will be ready to go, ready to play." Wisconsin has 22 consecutive winning seasons since going 5-7 under Barry Alvarez in 2001, the longest active streak among Power 4 teams. The Badgers also have played in a bowl game in each of the last 22 seasons, the longest active streak in the Big Ten and third-longest in FBS. Wisconsin coach Luke Fickell is more concerned with the rivalry game than the winning season and bowl streaks. "I'm not downplaying it, I'm not saying it's not important, I'm not saying it's another thing that's on our plate," Fickell said Monday. "But when it gets down to this last week, it's about one thing, it's about the rivalry. It's about preparing to play in the most important game of the year." The Gophers have dropped their last two games after winning four in a row. Minnesota averages 26.6 points per game, while allowing 18.5, 15th-best in the country. Max Brosmer has completed 67 percent of his passes for 221 per game with 15 touchdowns and five interceptions. Daniel Jackson is the top target with 69 catches for 802 yards and three scores, and Darius Taylor is the top rusher with 730 yards at 4.8 per carry with nine touchdowns. One week after leading Oregon after three quarters, the Wisconsin defense was shredded for 473 yards and five touchdowns by Nebraska. Braedyn Locke, who took over at quarterback when Tyler Van Dyke suffered an early season-ending knee injury, has thrown at least one interception in eight consecutive games. Locke has completed 56.4 percent of his passes for 180.6 yards per game, with 12 touchdowns and 10 picks. Tawee Walker is the leading rusher with 828 yards at 4.7 per carry with 10 touchdowns. He has failed to reach 60 yards in three of the last four games. Former Wisconsin and NFL standout JJ Watt posted on social media his assessment - and frustration - with the Badgers after the Nebraska game. "Losing happens, it's part of the game. Hearing announcers talk about how much tougher and more physical Nebraska & Iowa are while getting blown out ... that's the issue," Watt wrote on X. "We are Wisconsin. Physicality, running game, great O-Line and great defense. That is our identity." Wisconsin defeated the Gophers 28-14 last after Minnesota had won the previous two meetings. The Badgers have won 7 of the last 10 and lead the storied series 63-62-8. --Field Level MediaMANILA, Philippines – A magnitude 5.8 earthquake struck Bangui town in Ilocos Norte on Monday morning, December 30, the Philippine Institute of Volcanology and Seismology (Phivolcs) said in a bulletin. The earthquake, which was tectonic in origin, struck at a depth of 10 kilometers at around 10:56 am Phivolcs said no damage is expected following the tremor but there will be aftershocks. Some social media users commented on the Phivolcs X earthquake post that they felt the tremor strongly in parts of Ilocos Norte including Laoag. – Rappler.com
DALLAS — According to a Dallas Police Department report obtained and reviewed by WFAA, tens of thousands of dollars worth of items were stolen from Dak Prescott's fiancé Thursday. The report says Sarah Ramos arrived at a Pilates class Thursday morning, and that she "quickly rushed inside due to the rain." "Due to the haste," the report continues, she "forgot to lock her [vehicle] door." When she returned and entered her vehicle after the class, the report says, several pieces of property had been taken. At this time, the report says, she "was notified that her credit cards were being used at [another] location." The report detailed several pieces of property stolen that amounts to close to $40,000 in estimated worth, including designer handbags and wallets from Chanel, YSL, Gucci, Louis Vuitton and Prada, as well as computer software and cash. The incident occurred the day after Christmas. The theft follows a string of burglaries targeting high-profile athletes like Travis Kelce, Patrick Mahomes, Joe Burrow and Luka Dončić . Security expert Doug Deaton said thieves targeting these athletes are professional thieves. "They will often follow [athlete's] family members from stores, from the supermarket, from the mall, follow [the athletes] from the games, follow [them] to and from your work," he explained. "The biggest thing that I would advise [athletes and their families] to do is to assume they are being observed by professionals because they are." Dallas Police Department sources confirmed to WFAA Sunday that Dončić's home was broken into Friday through his back master bedroom, that they rummaged through the bedroom and bathroom, then got away with a necklace worth $4,000 dollars, three earrings worth $14,000 and four rings worth $,5,000. The Dallas Police Department is investigating both cases.
Three US citizens released from prison in China
The Albanese government dropped six separate documents explaining what is happening on climate change and clean energy on Thursday in an annual event some call "climate Christmas". Here is some of what we learned. Emissions are falling – but not fast enough The latest Australian emissions data tells a slightly complicated story, mainly due to the Covid-19 shutdown years. Have emissions increased under Labor, as the Coalition and Greens claim? Or is that just in comparison with those during lockdowns? Emissions fell slightly last financial year – about 3m tonnes, or a 0.7% drop – and are now estimated to be 28.2% below 2005 levels. This followed a small post-pandemic rise the year before. A progress report by the Climate Change Authority gives the backdrop to this: pollution declined rapidly when Covid hit, largely because we stopped driving and flying as much, and has plateaued over the three years since. Its conclusion is that emissions are falling but not fast enough. Labor has passed its proposed social media ban for under-16s. Here's what we know – and what we don't Read more Climate pollution needs to be reduced on average by 15m tonnes a year between now and 2030 to reach the government's legislated target (a 43% cut below 2005 levels). Projections suggest this is possible under existing policies – if everything goes according to plan. The biggest driver of this should be the capacity investment scheme, a program to underwrite 32GW in new large-scale renewable energy and batteries before the end of the decade. That is roughly equivalent to building half the current capacity of the grid again. But it is worth remembering what scientists say: that Australia should be making a deeper cut by 2030 and setting a much more ambitious target for 2035 in the months ahead, to live up to... Adam Morton , Petra Stock
MUNICH, Germany : Bayern Munich coach Vincent Kompany said he had yet to fully understand how the new Champions League format worked after his team earned a hard-fought 1-0 victory over Paris St Germain on Tuesday to improve their chances of reaching the knockout stage. Bayern needed a first-half goal from defender Kim Min-jae to battle past 10-man PSG and claim a third win in five matches. "I don't look at the table because, honestly. I don't yet understand it," Kompany told a press conference. "It will look good if we win a few more matches." The Bavarians climbed to 11th with nine points from five games, a point off the top eight places that bring automatic qualification for the last 16. PSG are 26th on four, outside the playoff spots with three matches remaining in the first phase. In the new 36-team league format this season, teams face eight teams instead of meeting three opponents twice. They play half of those games at home and half away. The top eight sides advance directly to the last 16, while those finishing ninth to 24th enter a two-legged playoff for a chance to secure a spot in the next stage. "What's important is to reach our goal. If we win our remaining games we have a chance to make the top eight," Belgian Kompany, in his first season in charge at Bayern, said. "I'm obviously happy. Our pressing in the first half was very good. The discipline was there. We could have scored perhaps one or two more goals, but the result is good." "We are on the right track but working to become even better," he added.
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Farmers blocked roads at many places across the state on Monday as part of their Punjab bandh call, hamstringing the commuter traffic. A call for a shutdown was given last week by Samyukta Kisan Morcha (Non-political) and Kisan Mazdoor Morcha over the Centre not accepting the demands of protesting farmers. The bandh will be observed from 7 am to 4 pm. Farmers observed a sit-in at Dhareri Jattan Toll Plaza which affected vehicular movement on the Patiala-Chandigarh National Highway. At Amritsar's Golden Gate, farmers started to assemble near the city's entry point while in Bathinda's Rampura Phul, they blocked roads. On Sunday, farmer leader Sarwan Singh Pandher said that though there will be a complete bandh, emergency services will be allowed to operate. "The bandh will be observed from 7 am to 4 pm. However, emergency services will remain operational. Anyone travelling to the airport to catch a flight or anyone going to attend a job interview, or anyone needs to attend a wedding... All these things have been kept out of our bandh call," he said. On Monday, the Railways canceled 150 trains due to a statewide bandh in Punjab organized by the Kisan Mazdoor Morcha (KMM) and the Sanyukta Kisan Morcha (Non-Political), scheduled for December 30. This bandh is expected to cause significant disruptions to rail services, impacting a total of 221 trains, including premium services like Vande Bharat and Shatabdi Express, as reported by The Indian Express. Meanwhile, 70-year-old farmer leader Jagjit Singh Dallewal's hunger strike entered its 35th day on Monday. Dallewal has so far refused medical treatment. Hundreds of farmers have been protesting at the Punjab-Haryana border demanding a legal guarantee of a minimum support price (MSP) for crops. Dallewal had earlier said he would not break his fast until the government agreed to the farmers' demands. The apex court has given the Punjab government time till December 31 to persuade Dallewal to shift to a hospital, granting the state the liberty to seek logistical support from the Centre, if necessary. Farmers, under the banner of SKM (Non-Political) and Kisan Mazdoor Morcha, have been camping at the Shambhu and Khanauri border points between Punjab and Haryana since February 13, after their march to Delhi was stopped by security forces. A "jatha" (group) of 101 farmers attempted to march to Delhi on foot three times between December 6 and 14 but were stopped by security personnel from Haryana. Besides the MSP, farmers are also demanding a debt waiver, pension, no hike in electricity tariffs, withdrawal of police cases, and "justice" for the victims of the 2021 Lakhimpur Kheri violence. With PTI inputsIan Schieffelin came within two assists of a triple-double and Clemson handed Penn State its first loss with a 75-67 decision for the championship of the Sunshine Slam tournament Tuesday in Daytona Beach, Fla. Schieffelin finished with 18 points, 13 rebounds and eight assists for the Tigers (6-1), leading four players in double figures. Chase Hunter added 17 points, while Chauncey Wiggins scored 14 and reserve Del Jones chipped in 10 points. Clemson sank 9 of 19 3-pointers, converted 16 of 20 free throws and was able to limit the impact of the Nittany Lions' full-court pressure. The Tigers committed just 13 turnovers, helping them hold Penn State (6-1) to less than 85 points for the first time this year. Ace Baldwin starred in defeat with game highs of 20 points and 11 assists, while center Yanic Konan Niederhauser added 14 points. Nick Kern came off the bench to score 11 but Penn State was outscored 15-2 on the fast break and made just 4 of 18 attempts from 3-point range. Schieffelin came up big down the stretch, assisting on a 3-pointer by Jaeden Zackery with 6:04 left that made it 65-61. Then he made two foul shots and tossed in a jump hook from the lane to up the margin to 71-66 with 1:03 left. The big storyline going into this game was which team would be able to control the pace. Penn State came in averaging 96 ppg, while Clemson demonstrated its ability to enforce a slower tempo in March, advancing to a regional final in the NCAA Tournament. In the first 10 minutes of the game, the Tigers made the Nittany Lions play at a crawl, opening up a 17-10 advantage when Schieffelin converted a short hook in the lane. But Penn State answered with an 18-4 run over nearly six minutes, establishing a 28-21 lead when Kern shook free for a layup. Clemson rallied with nine straight points but the Nittany Lions had the last say as Baldwin converted a layup with 24 seconds left, cutting the Tigers' edge to 38-36 at halftime. --Field Level MediaWASHINGTON — The House passed a $895 billion measure Wednesday that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. People are also reading... Nebraska transportation director: Expressway system won't be done until 2042 At the courthouse, Dec. 7, 2024 Camper total loss after fire north of Beatrice Spreading kindness one butterfly at a time 27-year-old Beatrice man sentenced for May assault Stabler scores 22 in Lady O's season opening win BPS receives a "good" classification Holiday lights travel through downtown Beatrice for annual parade Orangemen open season with win over Nebraska City P.E.O. sponsors Holiday Tour of Homes Missouri man sentenced for attempted sexual assault At the courthouse, Nov. 30, 2024 Community Players open holiday play Amie Just: This recruiting class marks the beginning of a new era — one without walk-ons Lonnie Meyer Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators wanted to increase defense spending about $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. U.S. Troops Face Mounting Threats from Predatory Debt Collectors U.S. Troops Face Mounting Threats from Predatory Debt Collectors Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Most Menacing Loan Messengers Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Loan Harassment Hotspots Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Billionaire Bets on Bad Credit Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Lenders Try to Shutter CFPB Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Holidays, Interest Rates Not to Blame Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members From Q1 2021 to Q4 2022 Up 4% From Q4 2022 to Q1 2023 Up 6% From Q4 2023 to Q1 2024 Up 24% The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates From 3.08% in Q4 2021 to 3.82% in Q1 2022 From 6.66% in Q4 2022 to 6.37% in Q1 2023 From 7.30% in Q1 2023 to 6.75% in Q4 2024 Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. Methodology The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Veteran homelessness is on the rise despite government efforts—here's how it happens Veteran homelessness is on the rise despite government efforts—here's how it happens Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. Veterans struggle to find a path forward The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. Some veterans struggle to find homes in their budget High rents make it difficult to save up, even when applying for a VA loan—a mortgage backed by the Department of Veterans Affairs that typically has more favorable terms. While the VA does not require a downpayment, some lenders, who ultimately provide the loan, do. They're not entirely risk-free either, and veterans can still lose their homes if they are unable to keep up with their mortgages. In November 2023, the VA put a six-month pause on foreclosures when an NPR investigation found thousands of veterans were in danger of losing their homes after a COVID forbearance program ended. Biden officials pointed to high rents and the end of COVID-era housing restrictions like eviction moratoriums to explain the spike in Americans experiencing homelessness. In the last year, homelessness rose 12%—to more than 650,000 people—the highest level since data began being collected in 2007. Overall, more than half of people experiencing homelessness in 2023 live in states with high living costs. Most were in California, followed by New York and Florida. Western states, including Montana and Utah, experienced massive population growth during the pandemic, becoming hubs for remote workers who drove home prices and rents even further. Vets with mental health issues most at risk for homelessness For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Stay up-to-date on the latest in local and national government and political topics with our newsletter.