Unfair DMV Surcharges in the State of New Jersey and Bankruptcy

The department of motor vehicles in New Jersey does not seem to have much compassion for people who are in debt and who are unable to pay their DMV surcharges. These surcharges are levied against people who have accumulated six or more points on their driver’s license and against people who have a DUI.

The Surcharge System – Adding Insult to Injury

For example, for accumulating six points, you will be subjected to the surcharge system and have to pay $150 dollars each year for the next three years – even though you have already paid your ticket costs! The cost for a DUI is an eye-popping $1,000 per year for the next three years. Adding insult to injury, your insurance will probably skyrocket, too.

Unfairly Harms Low Income Earners and Those in Debt

This bad habit of assessing added fines called surcharges has been called a redundant, excessive fine that disproportionately impacts low-income people. This is because if someone of low income or who is in serious debt cannot pay the surcharge, the state of New Jersey takes serious, harsh action against the debtor.

NJ Takes Away Driver’s Privileges for Nonpayment

The state will then take away the person’s driver’s privileges; in many cases, this means taking away the means by which a person does get to his or her job. The state will also add interest to the debt and they will take action in the State Superior Court to garnish a person’s wages or secure a lien against a person’s property. It is literally like legal highway robbery!

New Jersey’s Amnesty Program for Surcharge Payments

The challenge for the state of New Jersey is that it collects a significant amount of revenue thanks to fines or surcharges imposed on moving violations in the state.

The fines can amount to thousands upon thousands of dollars if left unpaid. People sometimes were unaware of surcharges imposed, but the state of New Jersey didn’t forgive the surcharges. In fact, they added interests and penalties.

In 2010 the situation got so bad with outstanding fines owed and those suffering from suspended licenses as a result that the state established a motor vehicle amnesty surcharge program. This allowed that outstanding surcharges that had been imposed through the Motor Vehicle Violations Surcharge System could be satisfied without interest or collection costs.

This amnesty for those who owe surcharges could bring in $17 million into the New Jersey state coffers.

Websites That Call for Abolishment of the Surcharge System

There are even websites that are calling for class action lawsuits to end the surcharge system entirely.

Bankruptcy Can Eliminate Most Surcharges in New Jersey

Bankruptcy protection can resolve debt, including DMV surcharges. If you have questions or concerns about how to find debt relief, consider speaking with an experienced attorney at the law firm of John Hargrave and Associates, in Barrington, New Jersey.

Contact an Experienced Debt-Relief Attorney

Speak with an experienced debt-relief attorney at the law firm of John Hagrave and Associates. Call for a free initial consultation. 856-547-6500. You may also contact us online to schedule your appointment.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Our law firm focuses solely on helping people solve debt troubles and get back on the path to financial freedom.


  1. Daniel DeJesus says:

    Dear Sirs & Madams,

    I am caught in this web of the New Jersey Surcharge and its become literally impossible for me to pay off this debt or even agree to the amount thats asked of me a month to release my license to drive legally in the state of Va. where now I live and am Disabled (have ESRD End Stage Renal Disease) and a 6yr old child that I’m responsible for and need to get to school, Drs. appts., after school activities.., let alone that its my responsibilty to get myself to and from my dialysis treaments in order to stay alive. I’m reaching out for your help in this matter because I’ve tried countless times trying to deal with the agency itself with no success. Its not even the agency that i get since its been given to a credit agency that is only concerned with the amount it can recover despite the INDIVIDUALS circumstances.

    Please, if you can help me in this matter and possible speak on my behalf I would greatly appreciate it.

    Thank You for you time and consideration in this matter.

    Daniel DeJesus

  2. Having read this I believed it was really informative.
    I appreciate you taking the time and energy to put this short article together.
    I once again find myself spending a lot of time both reading and commenting.

    But so what, it was still worth it!

  3. William CArroll says:

    Being charged for insurance surcharges in the state of new jersey when i didnt know i owed them.. its been over 10 years since i payed new jersy of and

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