Driver’s License and Bankruptcy
For many people it's imperative to have a driver's license to get back and forth to work. If you can't work then generally you can't pay your debts. The loss of a driver's license can present a huge hardship if you've been in an accident and you have lost your license because you didn’t have insurance. A Chapter 7 bankruptcy or Chapter 13 debt consolidation may help if you are faced with this situation.
For instance, if you are in an automobile accident and you didn't have insurance on your vehicle, and it was your fault. The other car was damaged or the other person was hurt, and the other party’s insurance company filed the necessary forms with the State of Alabama to suspend your driver's license. How are you going to get to work if you don't have a car? If you can't drive back and forth to work you will likely to lose your job! A Chapter 7 bankruptcy or Chapter 13 debt consolidation would likely be able to help you. At the Sellers Law Firm our Montgomery bankruptcy lawyers help people get their driver's license back on a regular basis.
If your license is suspended, it generally creates a hardship for most people because they can't get back and forth to work. In most areas of Alabama there is no convenient public transportation to be able to take them to work especially if you live or work in a rural area. It becomes difficult to rely upon friends and family to take you back and forth to work when they are trying to do the same. Eventually many workers lose their job and then they don't have enough money to pay their debts much less pay for the accident that has caused them to lose their license.
First it must be understood that a neither Chapter 7 bankruptcy nor Chapter 13 debt consolidation will erase fines or criminal restitution that is owed to the State of Alabama. For instance if you've lost your license due to excessive traffic tickets then these debts cannot be eliminated through either a Chapter 7 bankruptcy or Chapter 13 debt consolidation.
However, by filing a Chapter 7 or Chapter 13 then you may be able to free up enough income to allow you to start paying the traffic fines. A regular payment to the court may allow them to release your license.
In you have had a car wreck and lost your license, you can look at two options. The first option is to consider a Chapter 7. This will eliminate that debt within 3 to 4 months and will also eliminate any other unsecured debt that you have. At the time of filing the Chapter 7 petition, you may take the petition to the Department of Public Safety. This will allow the suspension on your license to be removed. A Chapter 13 will also have the exact same effect upon the filing of the Chapter 13 petition. Once we file the petition and you receive a case number you may take it to the Department of Public Safety and show them that you are involved in a Chapter 13. Next, you will have to go to your local driver’s license office to get a new license. Getting your driver's license back through a Chapter 7 bankruptcy or Chapter 13 debt consolidation can be tricky. We recommend that you contact one of our Montgomery bankruptcy attorneys to discuss the situation and see what options you have. Remember, all consultations are free and we can generally see you within 24 hours of calling us.
At The Sellers Law Firm, we help people who are faced with a financial crisis. We have four offices in Central Alabama; we are located in Montgomery, Selma, Greenville, and Troy. Call us at 334-LAWYERS (529-9377) to meet with us and discuss your options. You may also reach us by using the “text us” link or Contact Form on our website. Remember that doing nothing, changes nothing so call us today!