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03/29/2020

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03/28/2020

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02/28/2020

Bankruptcy Relief for Driver’s License Suspensions and Reinstatement ‼️

The Illinois Secretary of State can and does suspend individual driver’s licenses for various reasons. For many it is impractical to deal with the problem directly. A frequent method of regaining one’s driving privileges is filing a Chapter 7 or a Chapter 13. My driver’s license has been suspe...

02/28/2020

Bankruptcy Relief for Driver’s License Suspensions and Allows Reinstatement ‼️

The Illinois Secretary of State can and does suspend individual driver’s licenses for various reasons. For many it is impractical to deal with the problem directly. A frequent method of regaining one’s driving privileges is filing a Chapter 7 or a Chapter 13. My driver’s license has been suspe...

02/28/2020

Bankruptcy Relief for Driver’s Driver License Suspensions and allows Reinstatement ‼️

“In Illinois And Possible Solutions In Bankruptcy
February 20, 2014
The Illinois Secretary of State can and does suspend individual driver’s licenses for various reasons. For many it is impractical to deal with the problem directly. A frequent method of regaining one’s driving privileges is filing a Chapter 7 or a Chapter 13.
My driver’s license has been suspended. I want and need my driver’s license!
First: why is the Secretary of State suspending one’s driver’s license?
PARKING TICKETS
A driver’s license can be suspended for 10 or more parking tickets. When a person falls behind on parking tickets the city doubles the fine. We have had clients owe several thousands of dollars when the suspension is imposed.
TOLLWAY VIOLATIONS
A driver’s license can be suspended for failure to pay fines for 5 or more tolls. As with parking tickets the amount finally owed is a multiple of the original amounts due.
RED LIGHT OR SPEED ENFORCEMENT TICKETS FROM CAMERAS
A driver’s license can be suspended for failure to pay fines for 5 or more red light and/or automated speed enforcement tickets.
CHILD SUPPORT DEFAULTS
Under the Family Financial Responsibility Law a person’s driver’s license can be suspended.
ACCIDENT WITHOUT INSURANCE
If the Secretary of State office finds a person at fault for a car accident while driving without proper car insurance a driver’s license can be suspended for up to 2 years.
YOUR PROVEN BANKRUPTCY SOLUTION
PARKING TICKETS; TOLLWAY VIOLATIONS; RED LIGHT OR SPEED ENFORCEMENT TICKETS FROM CAMERAS
The amounts due for these debts are not discharged in Chapter 7 (Section 523(a)) of the Bankruptcy Code) but are in a Chapter 13 (1328(a)(2).
When an individual files a Chapter 13 and lists the above the Secretary of State will reinstate the driver’s license.
Further the amounts repaid can be small. Many of our clients repay about ten cents on the dollar and upon successfully completing the Chapter 13 with a discharge do not owe anything more.
CHILD SUPPORT DEFAULTS
Child support defaults are not discharged in a Chapter 7 or in a Chapter 13 unless paid in full.
As with Parking Tickets, etc. when an individual files a Chapter 13 and lists the above the Secretary of State will reinstate the driver’s license.
When the amount of the arrears is extremely large sometimes an agreement can be made where a portion of the arrears will be paid through the Chapter 13 and the remaining balance will still be owed after the Chapter 13 is completed.
ACCIDENTS WITHOUT INSURANCE
With one exception if a license is suspended for an accident without insurance it will be restored if the driver files either a Chapter 7 or a Chapter 13.
The exception to the above is if the accident resulting in personal injury was the result of drunk driving or otherwise being under the influence of drugs. (Interesting the exception does not apply to physical damage.)”

IF YOUR DRIVER’S LICENSE HAS BEEN SUSPENDED CALL US TO START DRIVING AGAIN.
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Robert J. Adams
About the Author
Robert J. Adams & Associates is a full-service law firm where attorneys with their extensive experience provide effective representation in Bankruptcy cases in Illinois. License Suspensions and Reinstatement

02/13/2020

NEW!!!
BANKRUPTCY 7
PARKING TICKET, RED LIGHT CAMERA RELIEF ‼️

Chicago Fresh Start Debt Relief Program

The Fresh Start Debt Relief Program provides relief from certain vehicle ticket debt to people who obtain Chapter 7 bankruptcy discharges. Anyone who has received a Chapter 7 discharge, or who is currently a debtor in a Chapter 7 bankruptcy case, may be eligible for relief under the Fresh Start program.

General Guidelines.

Fresh Start payment plans provide eligible bankruptcy debtors with the opportunity to pay just a portion of the amounts due for parking, standing, compliance, and camera tickets incurred in the 3-year period immediately preceding the debtor’s bankruptcy petition date and up to the date of enrollment in the plan. Under a Fresh Start payment plan, he or she will pay only the base fine amount for those tickets over a period of time. Upon completion of the plan, all penalties on those tickets (including late payment penalties,) and all fines and penalties on tickets preceding the three year look-back period, will be waived.

In order to have his or her debts waived, besides completing a Fresh Start payment plan, the debtor must also receive a discharge in a Chapter 7 bankruptcy case. The debtor can enroll in the program before receiving a discharge as long as he or she has a pending Chapter 7 case, but must complete the case and receive a discharge to obtain the Fresh Start debt waiver.

Note that if a debtor has no fines within the 3-year look-back period, all of their parking, standing, compliance, and camera tickets, as well as related penalties and costs, can be waived without making any payments to the City once he or she receives a Chapter 7 discharge.*

*City of Chicago website