Bankruptcy Attorney Resolving License Suspensions in Houston, TX

Lawyer for Loss of License Due to Debt in Houston, TX

In Texas, people can lose their driver's licenses due to certain types of outstanding debt. In fact, nearly 70% of driver's license suspensions in the state are due to unpaid debt. If you were found at fault for a motor vehicle accident and have been unable to pay a settlement or judgment, you may have lost your driving privileges. Being without a license in a sprawling state like Texas can make it very difficult to meet your personal obligations, such as getting to work or doing the grocery shopping for your family.

If you have lost your driver's or professional license due to unpaid debt, The Fealy Law Firm, PC may be able to help you resolve the debt and get your license back. Experienced attorney Vicky Fealy can work with you to determine the best way to escape insurmountable debt through bankruptcy and reinstate your license. We understand how difficult it can be to function in your day-to-day life when you cannot drive. Having an adult who is unable to drive - or unable to work - can put undue hardship on the entire family. Our law firm is here to help.

Driver's License Suspensions and Unpaid Debt

In Texas, failing to make payment as ordered on a civil lawsuit settlement or judgment related to a car crash can quickly lead to a loss of license. Other issues, like credit card debt or student loan debt, generally do not result in a loss of license. Most people affected by the law were uninsured at the time of the accident, meaning they may be solely responsible for the entire cost of the accident.

The main reason drivers do not carry auto insurance is because they cannot afford it. A person who cannot afford auto insurance almost certainly cannot pay the full cost of a judgment, and they may be unable to even make minimum monthly payments. This reality leaves little hope for those who have lost their driver's license for this reason to get out of debt and recover their driving privileges on their own.

By filing Chapter 7 or Chapter 13 bankruptcy, you may be able to discharge the debt that is keeping you from driving. If you know that you will not be able to pay off the judgment yourself, claiming bankruptcy may be the only way to discharge the debt and start driving again.

The Financial Impact of a Lost Driver's License

Losing a driver's license can inflict financial hardship on your family. Some costs associated with not being able to drive might include:

• Rideshare services - Unless you happen to live and work close to a bus route, you will likely need to pay someone to drive you where you need to go. The costs of this form of transportation can greatly exceed the costs of having a vehicle.
• Delivery services - It is incredibly difficult to go buy a week's worth of groceries for your family via public transportation. You may need to hire a delivery service, which can greatly increase the price of groceries.
• Lost income - You may miss work on days you cannot find someone to drive you, which can eventually lead to losing your job if it happens too frequently. If you used your vehicle to earn income, such as by making food deliveries, you will likely lose that source of income entirely.

You may also want to consider the time it takes to travel by public transportation as opposed to the time it takes to drive yourself. A 15-minute drive may well be a one-hour bus ride plus a 15-minute walk.

Contact a Houston Debt Relief Attorney

The Fealy Law Firm, PC may be able to help you resolve your debt and start driving again. Experienced Harris County bankruptcy lawyer Vicky Fealy can help you file for the right type of bankruptcy to get you out of debt and back on the road. Contact us at 713-526-5220 for a free consultation.