Can you imagine life without a driver’s license? Maybe yours has already been suspended?
Well, bankruptcy may be able to help you keep your driver’s license, or help you get your driver’s license back if it has already been suspended.
The most common situation is when someone does not have insurance and gets into an accident. When that person is not able to pay the judgment, the insurance company for the other driver will usually have the person’s license suspended with the Florida Department of Motor Vehicles.
It can be a vicious cycle, or a Catch-22, to be able to pay a judgment for a car accident when you can’t drive to work to make money to pay that judgment.
That is precisely when bankruptcy may be able to help. It is obviously much better to come see me before the lawsuit from the other driver’s insurance company even gets close to judgment. It is obviously better to file to keep your license rather than to file to get your license reinstated. One should not want to lose the license from the start.
Let me be clear. Not all situations in which a driver’s license has been suspended or revoked can a Florida bankruptcy filing help restore your license. If the accident resulted in personal injury, and there was alcohol involved, then the bankruptcy cannot clear the judgment in order to get your license back. The bankruptcy code has clear exceptions to discharge of debts, and this is a strict one
Your license can also be suspended for failure to pay child support. In this case, a chapter 13 may benefit you to be able to catch up on the back due child support and get your license reinstated.
If you have been in an accident, and did not have insurance, you may want to call me about how to possibly eliminate the judgment before you lose your license. If you have already lost your license, are you in an endless loop of not being able to pay the judgment to get your license back?
Call 407-749-0080 now for a free consultation to see how I may be able to help you get your Florida driver’s license back as soon as possible.