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

One question I often get when people call my office about bankruptcy is whether it can help with fines and surcharges due to past traffic tickets. In fact, even if they do not bring it up, it is one of the standard things I ask about in an initial interview. This is because surcharges and fines need to be dealt with differently in a bankruptcy.

A Different Plan for Surcharges Than Fines

My advice to people in these situations, especially if their driver's license is suspended because of it, is to make a payment plan with the traffic court on the fines and file a bankruptcy on the surcharges.

This is because fines are not dischargeable because they are not debts, but surcharges can be discharged in bankruptcy.

Bankruptcy Can Make Money Available to Pay Fines

Bankruptcy can also discharge or restructure other debt (like credit cards) that might be interfering with your ability to pay the fines. Thus this is the best way to get things back on track and get your license restored if it has been suspended.

Is Bankruptcy Right for You?

Bankruptcy can be very helpful, but it is not for everybody. If you are wondering whether it might solve your problems, then download my free book, Am I In Too Deep? A Guide to Knowing When You Need to File Bankruptcy in New Jersey to find out if that is the case.

If you still have questions and you live in Southern New Jersey, please give me a call at 856-432-4113 or contact me through this site to schedule an appointment for a free consultation to see if bankruptcy can help you.

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