John Oliver talks about missing giant bunny and Usher Bucks – Deadline

Well, in its eighth season, it’s no surprise now that Oliver begins his show with a rant detailing his overwhelming frustration with the world. His quick language usually sums up the week’s public grievances in the first three minutes blindingly. Without a moment to think it over, it only seems prudent that the viewer despairs with him about the state of the world.

As you might expect, the unfortunate events of the week precipitated yet another silvery-tongue tirade. However, Oliver decided to drop the rant and find some peace and laughter for his beleaguered viewers.

After a week when bodycam footage was posted of two men of color shot dead by police – Daunte Wright, 20, in Minneapolis and Adam Toledo, 13, in Chicago, Oliver struggled to offer any conciliatory messages . The British host said there was not much to say after doing five full episodes about the police, segments he delved into the history of policing and the ubiquitous police brutality on communities of color in America. So in an effort to lighten the mood and not re-traumatize viewers who have probably watched the body camera footage before, Oliver decided to offer lightness instead of cynicism and covered a range of laughable topics. and lightweight such as a giant rabbit lost in Britain. Usher’s use of currency with his face on it at a Las Vegas strip club, Ralph Lauren’s constant production of a hideous Olympic uniform design, and an unfortunate head-on confrontation by a Canadian politician.

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“We wanted to give you a chance to laugh at the end of a really demoralizing week,” Oliver said.

These comedic antics seemed to bring a certain levity as Oliver went straight to his usual dose of Fox News bashing. This week was in the form of a montage of their channel’s late-night commercials. All of the commercials promoted unnamed products to help men deprived of libido and testosterone, commenting on who the viewers of Fox New might be.

Oliver then moved on to his main topic of the night: the world of personal bankruptcy and its endemic problems.

The COVID-19 pandemic has taken a heavy financial toll on many Americans. And once the financial aid linked to the pandemic ends, more citizens will need the help of the bankruptcy process.

Bankruptcy is a legal process for people so in debt that they can file documents, liquidate certain assets to pay off their creditors, and start life anew. With the exception of social stigma and a bad credit score, individuals can expect to be wiped out with insurmountable financial debt.

After unraveling the bureaucratic maze of bankruptcy, Oliver spends the rest of his segment detailing how it can make Americans’ lives worse, rather than better.

In short, Oliver takes a look at the two types of bankruptcy: Chapter 7, which is what the average American thinks about most often, and Chapter 13. Chapter 7 can allow borrowers to keep a few essential assets, while that the rest of the money is used. to pay off the debt.

Chapter 13, however, is best described as a reorganization of finances. This route may involve a repayment plan for 3-5 years, and if these payments are made in full and on time, those debts are discharged. However, Oliver notes that if a borrower misses even one payment, an entire deal can be turned down and the deal is done, bringing the borrower back to square one.

Oliver observes that the reasons a person can file for bankruptcy may differ, but they can include unforeseen medical bills, legal fees, divorce, and even a pandemic. The host takes issue with the idea that bankruptcy offers an easy solution and reveals that simply declaring bankruptcy can cost thousands of dollars, placing even more burdens on those in financial difficulty.

He also adds that banks are used to targeting black debtors with higher bankruptcy costs, as opposed to white debtors with similar financial profiles.

Current bankruptcy standards are derived from the Bankruptcy Abuse Prevention and Consumer Protection Act. In 2005, President George W. Bush enacted this law, which Oliver said not only made bankruptcy more Byzantine, but also added more than a dozen ways for debtors to make mistakes. techniques and dismiss these cases. As a result of this law, bankruptcy becomes more difficult to file, more expensive and often impossible to recover.

“We live in a world where medical debt is out of control, and mailboxes are filled with offers from banks telling them they are pre-approved for a credit card. Oh look, that [credit card] has Snoopy on it, ”Oliver joked.

So what can be done about the difficult state of bankruptcy? Oliver turns his attention to the Consumer Bankruptcy Reform Act 2020, which, if passed, would simplify and modernize the consumer bankruptcy system to allow those who file for bankruptcy to get back on their feet. The act is backed by Democrats in Congress, namely Sen. Elizabeth Warren and Jerrold Nadler. However, Oliver says the law is struggling to pass. President Biden, who is from a state where many credit card companies are headquartered, opposed the debt cancellation. Adding to that, the bill would also need the required amount of Republicans votes, making it unlikely that it will ever come to fruition.

Oliver ultimately insists that the state of bankruptcies become even more pressing as we enter a post-pandemic world, with an uncertain financial economy.

“We absolutely need to get our broken bankruptcy system back on track for people who are in desperate need of a lifeline. And while we wait for Congress, the least we can do is offer an alternative counseling resource that isn’t all that insulting, ”concludes Oliver.

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