I have a question. I was involved in a car accident I was cited for no insurance. Wilbert and associates reached out. I was at fault. I agreed to pay 500 a month and have been for 3 years now. I still owe 4300 so I can't make the payment this month. I see it's a scam but they threaten me with they will suspend my license. How long does that take? Has anyone gone through the same thing? What do you recommend?