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Can I wipe out New Jersey motor vehicle surcharges in a bankruptcy?

Simply put, yes you can.  Many people here in the Gloucester County New Jersey area are struggling with the suspension of their driver's licenses because of an inability to pay surcharges levied by the New Jersey Motor Vehicle Commission.

This just creates a vicious financial cycle that can be difficult to get out of.  You cannot afford to pay the surcharges on your salary from your job, but then cannot drive to your job to earn the salary because your license has been suspended.  Fortunately, there is a solution.

Bankruptcy to the Rescue!

If you are in a situation where you are barely making enough in income to cover expenses, especially if a license suspension is interfering with you getting a job to increase household income, then a chapter 7 bankruptcy can help to break this deadlock.  It can get your surcharges wiped out so you can get your license, get a job, and get a better life!

Get your driver's license back by filing bankruptcy!  Call my office at 856-432-4113 or contact me through this site to find out more!

People making more in net pay than necessary to pay monthly expenses (i.e. people with disposable income) can also file a chapter 13 bankruptcy and propose a repayment plan that pays the surcharges over time (three to five years).  In the meantime, Motor Vehicle will restore your license after you pay a restoration fee.

In addition, the plan can deal with other debt payments (like credit cards) that may be interfering with your ability to pay the surcharges.  This is because you can make one affordable payment per month on all of your debt.  What's even better, you do not necessarily have to pay all of it back, just as much as you can afford as long as your plan meets the requirements of the bankruptcy code.

So What Do I Do?

If you live in southern New Jersey and are considering filing bankruptcy, call my office at 856-432-4113 or contact me through this site for a free consultation in my Woodbury office to discuss your case.  You need to get out of the Catch-22 and get on with your life!

If you are looking for more information about bankruptcy, then download my free book,Top Questions People Ask About Filing Bankruptcy in New Jersey.

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Steven J. Richardson
Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.