My Texas drivers license was suspended for having an uninsured accident. Can filing bankruptcy help me?

Yes, if you qualify for filing bankruptcy and you were not DWI when you had the accident.

If you have an at-fault car crash in Texas and you don't have the state-required liability insurance to cover the damages, and a court judgment is rendered against you and not paid, you can have your Texas Driver's License suspended.

In most cases, to get your license back at that point, you must provide one of the following: (1) a notarized release (SR-11) showing the judgment has been satisfied or paid in full; (2) a court-approved installment agreement showing that you are on a payment plan; (3) a judgment creditor's consent to you having your license reinstated (SR-84); and you must have a Financial Responsibility Certificate (SR-22) if within two years from the date the judgment was rendered, and pay a reinstatement fee. Texas DPS web page.

Or you may be eligible for an occupational license  for limited use if you have had your Texas driver's license suspended or revoked. Another way is if it has been more than 10 years since the judgment, and the judgment has not been renewed, you can pay a fee and get your license reinstated (the judgment has become time-barred).

But if you are being sued for an auto accident, you didn't have insurance and you want to avoid having your Texas driver's license suspended, or if you have an auto accident judgment against you and you can't pay it, and need your license back, you may want to consider filing a Texas bankruptcy.

If you file bankruptcy, either chapter 7 or chapter 13, and you otherwise qualify, the uninsured claim for damages against you can be discharged or canceled in bankruptcy without paying it, and you can get your Texas Driver's license back by having proof of insurance (SR-22) and paying a reinstatement fee.

The exception to this if the judgment is not dischargeable in bankruptcy, such as if you were Driving While Intoxicated or DWI when you had the accident.

Your Texas driving privileges are very valuable. And don't drive without a license, it is an even bigger mistake.

If you want to see if our law office can help, call our office at 713-772-8037 and make an appointment to visit with us about the possibility of filing a bankruptcy, either to stop your Texas driving license from being suspended, or to get it back if it is already suspended.

J Thomas Black
Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization