If your license has been suspended due to a civil judgment for a car accident and you were responsible for as an uninsured motorist, you may be able to discharge the debt by filing Chapter 7 Bankruptcy and get your license reinstated. Driving with a suspended driver’s license could lead to criminal charges and additional fees and costs. Under Texas law, if you have a judgment entered against you as a result of a vehicular accident and you did not have any insurance, your license can be suspended until you provide proof that you have paid or are paying the civil judgment. However, if you qualify for Chapter 7 Bankruptcy, then the judgment is a civil judgment and an unsecured debt that may be dischargeable along with your other general unsecured debt. This is true so long as it not a malicious injury and you were under the influence of any drugs or alcohol.
If the debt arose from a malicious injury or there is a finding that you were under the influence of alcohol or drugs, then the debt must be paid in full through a Chapter 13 Bankruptcy plan to reinstate your license while your bankruptcy is active. The reinstatement occurs as soon as the bankruptcy is filed, you have met all other criteria regarding the payment of all state license reinstatement fees, and a copy of an SR-22 (Financial Responsibility Certificate) has been provided.
If your license has been suspended under these circumstances, do not hesitate to contact our office to review your situation and determine if you qualify for reinstatement. Driving is a privilege, not a right, but all is not lost if you cannot pay the civil judgment against you for a vehicle accident that occurred while you were uninsured and you qualify for Chapter 7 or Chapter 13 Bankruptcy filing.
