Posted on Jun 18, 2010

In this economy, it is bad enough if you do not have a job.  What is worse is if you can get one, but can't drive to it because your license was suspended for failure to pay surcharges!  However, if you find yourself in that situation in New Jersey, there is some good news: The Motor Vehicle Commission (MVC) has  announced the creation of the MVC Surcharge Payment Incentive Program, which will run June 15 through July 30 2010.  It is designed to help those MVC customers who have had judgments entered against them by the state  pay their balance.  The goal, as stated by Acting Chief Administrator Raymond P. Martinez, "is to give these particular customers a chance to either wipe the slate clean or arrange more affordable payments that will allow the restoration of their driving privileges."

The seven-week incentive program will offer many people who have outstanding surcharge balances a chance to clear all their debt or make payment arrangements that will help get them driving again. Eligible drivers include those who have been placed in judgment for failing to make surcharge payments or those in judgment who arranged a payment plan but are finding it difficult to make payments.

According to the MVC, approximately 273,000 drivers are eligible for the incentive program, and the average surcharge debt owed is $2,400. Examples of the incentives to be offered are extended, 48-month payment plans, and interest waivers for drivers paying off principal and costs. Most eligible drivers will be directly notified by mail of this opportunity to address their surcharge issues. Drivers need to contact the specific collection firm noted on the personalized letter they received to discuss available options.

If you are in this situation and want more information about the MVC Surcharge Incentive Program, you can contact the specific collection firm noted on your Surcharge Payment Incentive Program letter or visit  Please note, however, that drivers with outstanding surcharges related to Driving Under the Influence (DUI) convictions are not eligible for the incentive program.

Many people end up filing a chapter 13 bankruptcy to get out of a surcharge problem and have their license restored.  Here is an opportunity for many New Jersey drivers to do that without taking that drastic step.  New Jersey is making the offer; you should take them up on it.  It could be the best decision you make this summer!

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

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