mr rik
miami,#2Consumer Comment
Tue, August 30, 2011
a new identity.
You can try for an international drivers license, or get one from another country and validate it here.
or move to a state that doesn't participate in this SCAM.
OR
you can find someone that looks alot like you, have them "lose" their license and get a duplicate. Now you can bribe them to carry the original.
Or you could try the counterfeit route.
Or maybe you can just wait it out.
Good Luck!
Robert
Irvine,#3Consumer Comment
Mon, August 29, 2011
To the above poster. The OP stated they were required to get an SR22 filing. That is a court ordered filing to show that the person has liability insurance, and generally only required of people considered to be "high risk". If it was a case where the mother had insurance that would cover the accident it would not have gone this far to the point where the OP still owes 2500 for damages.
It also appears that the OP's license was suspended and will not be re-instated until they pay off the damages from the accident. This seems like it is more than just a simple case of no insurance on the vehicle. It may be, but it also may be a case where the OP committed a major traffic violation or broke other laws that were determined to be a direct cause of the accident. Because they could try to petition the court to give them a restricted license to allow them to go back and forth to work only.
As for the comment about declaring Bankruptcy. If this is a court ordered restitution as a condition to get the license back, it is very unlikely that that debt would be discharged in Bankruptcy and they would still be required to pay it.
I would suggest that if the OP went out and got liability insurance but still has no license they look into cancelling that insurance and use that money to pay off the insurance company. Once that is paid off then get the insurance again. It may take a few months but may be a more productive way to take care of this.
tom
memphis,#4Consumer Comment
Mon, August 29, 2011
Are you sure that your mom did not have insurance on the car? Insurance in most states is on the car not the person. She probably gave you permission to drive it and therefore you are covered.
First off don't give them Bank information including your soc number. If they make threats then record the conversations. You can also file a complaint against the insurance company and the collection agency with the attorney general of your state.
You can also get a NACA lawyer. They usually will take it on a contingency basis. you could declare bankruptcy. Talk with an attorney about this.
I suspect your mom has insurance. try that route.