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Oregon Bankruptcy Blog

Chapter 7 & Chapter 13 Bankruptcy Information

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Filing Chapter 13 bankruptcy can help Oregon drivers with a suspended license to get the driver license reinstated if the license is suspended due to non-payment of fines for non-criminal traffic tickets or infractions.  When you lose your license, it can be very difficult to get to work, pay your bills, and take care of your family.  Many people find themselves in a financial downward spiral when they cannot afford to pay driving fines and their licenses are suspended.  If you cannot drive to work, you may lose your job.  If you drive with a suspended license, your problems can be significantly compounded.  By filing Chapter 13 bankruptcy, you can typically get your license back very quickly, usually within a few weeks to a couple of months after filing.  

After a Chapter 13 case is filed to recover a driver license, your attorney should contact the courts where you have fines to obtain a release.  Once all of the courts send the release to the Department of Motor Vehicles, your license should be reinstated.   Due to the difficulty of this type of case, I cannot guarantee that your license will be released.  For instance, even though most Driving While Suspended charges are infractions, it is possible that if you have multiple infractions, it could be considered a traffic crime.  In order to determine whether your license can be reinstated through Chapter 13, it is important to find out exactly why your license is suspended. You can find this out by contacting the Oregon DMV to request a copy of your driving record.  

The cost of the chapter 13 is often lower than the cost of not having a driver license or the cost of paying all of the fines in full directly to the government.  Willamette Valley Bankruptcy typically requires that clients pay a $100 retainer plus the Chapter 13 court filing fee prior to filing the Chapter 13 case.  Chapter 13 cases are very complicated so it is wise to consult with an attorney.  Willamette Valley Bankruptcy offers free consultations in the Eugene, Oregon area.