Eliminate New Jersey DMV Surcharges with Bankruptcy

Bankruptcy Counsel in Barrington & Camden County

In New Jersey, as you accumulate points on your driver’s license, the New Jersey Motor Vehicle Commission (also known as the Department of Motor Vehicles, or DMV) will impose a surcharge. A DMV surcharge can be costly and the amount varies, depending on the driving offense.

If you cannot afford to pay the DMV surcharges levied by the New Jersey Motor Vehicle Commission, the DMV will then suspend your driver’s license. The state can even obtain a lien against you for unpaid surcharges — after suspending your license!

Countless good people have had their driver’s licenses suspended because they chose to pay their mortgage or other bills rather than their DMV surcharge. It’s not fair. It’s not right. But it’s the law.

Can You Eliminate NJ DMV Surcharges Through Bankruptcy?

Call the law firm of John Hargrave and Associates, in Barrington, NJ, at 856-547-6500 to discuss financial concerns in a free confidential consultation. You may also contact us online.

Filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy currently can wipe out the state’s DMV surcharges in most situations, even surcharges resulting from a DUI or DWI.

DMV Surcharges and Bankruptcy

When you file a Chapter 7 or Chapter 13 bankruptcy, the DMV will allow you to immediately reinstate your license if your suspension was because you could not pay a surcharge. When you receive your bankruptcy discharge, the DMV surcharges will also be discharged.

However, if your license was suspended for a reason other than non-payment of DMV surcharges, a bankruptcy filing will not allow you to immediately reinstate your license.

Restore Your Driver’s License

You can restore your license after filing for bankruptcy by:

  • Paying a $100 fee to the Motor Vehicle Commission (MVC)
  • Paying in person at a Regional Service Center
  • Paying in person at an MVC agency that offers walk-in service
  • Sending a check or money order payable to:
    New Jersey Motor Vehicle Commission
    P.O. Box 140
    Trenton, NJ 08650

Municipal Court Fines and Bankruptcy

You will not be able to discharge municipal court fines through bankruptcy. You can, however, negotiate a workable payment plan.

Bankruptcy Protection Stops Creditor Harassment

Bankruptcy will also put an end to creditor harassment, and it can prevent foreclosure, stop repossession and end wage garnishment. In a Chapter 7 bankruptcy you may be able to erase your credit card debt, unpaid medical bills and other unsecured personal loans.

Talk with a Debt-Relief Attorney about Bankruptcy and Wiping Out DMV Surcharges

Get answers and understanding at the law firm of John Hargrave and Associates, in Barrington, NJ. Find out how bankruptcy can help you get a fresh financial start. Call to schedule a free confidential consultation at 856-547-6500. You may also contact us online.

Our goal is to help our clients resolve tough financial situations and get back on the path to financial stability.

We are a debt-relief agency. We help people file for bankruptcy relief under the bankruptcy code.

Located in Barrington, New Jersey, John Hargrave & Associates has helped people toward a fresh financial future through bankruptcy for more than 30 years. We serve South Jersey, Burlington County, Camden County and Gloucester County along with Magnolia, Lawnside, Haddon Heights, Mt. Ephraim, Bellmawr, Glendora, Somerdale, Ashland, Brooklawn, Gloucester City & Hi-Nella. Contact us today to learn more about your options under the current bankruptcy laws. We’re here to help.