topic Re: Suspend my license???? in General Credit Topics

Suspend my license????

Anonymous — Fri, 06 Jul 2007 17:23:12 GMT

I was involved in an accident a while back, and had no insurance. Bad Me!

The vehicle has not been repaired yet, as I see it every day.

Today a collection company calls me, and tries to get me to make payment arragments over the phone, which I decline to do.

Her response.

Don't you have a drivers license?

Well, yes I do.

If you are not willing to make payment arrangements, we will put in a notice to suspend your drivers lacense.

Well, after I get something in writing, we will see.

Also, she had my address wrong, but I did not correct it. Should I have given her a corrected address?

Is this BS, can they suspend my drivers license???

Message Edited by jaguls66 on 07-06-2007 10:23 AM

Re: Suspend my license????

chartley3 — Fri, 06 Jul 2007 17:25:38 GMT

It depends. If this is regarding your accident and an insurance company is trying to collect then yes they can goto court and file a motion to suspend your license. In Ohio if you are caught without insurance its 90 days no driving privledges at all, they take your plates and place wheel locks on your car. They also require you to carry high risk insurance for 3 years. I would highly suggest you check out your state laws for uninsured vehicles.

Re: Suspend my license????

SmartCookie — Fri, 06 Jul 2007 17:41:03 GMT

hey jaguls66

How far back and what state? Who are they collecting for and is it the first you've heard of it? How much $$?

Nope don't correct the address.

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 17:55:13 GMT

@SmartCookie wrote:
hey jaguls66

How far back and what state? Who are they collecting for and is it the first you've heard of it? How much $$?

Nope don't correct the address.

6-8 months ago Alabama State Farm First I have heard. The guy I had the accident with said he was making the repairs, and I was waiting for him to tell me how much the costs were going to be. Anyone know where I might find a law regarding this? and on "Service" serving me papers? Can they tack them on the address they have for me, and that counts??

Message Edited by jaguls66 on 07-06-2007 10:55 AM

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 17:55:09 GMT

jaguls66 wrote:
I was involved in an accident a while back, and had no insurance. Bad Me!
...
Is this BS, can they suspend my drivers license???

I'll ask what state are you in, but I fail to see how a CA could get your DL suspended. Only the state can do that.

Oh, and the CA making such a threat, perhaps constitutes a violation of the FDCPA. See §806 Harassment or abuse and §807 False or misleading representations.

http://www.ftc.gov/os/statutes/fdcpajump.shtm

The state you are in also matters insofar as whether you can record the conversation and not tell them.

http://www.rcfp.org/taping/states.html

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 17:57:13 GMT

http://www.rcfp.org/taping/states/alabama.html

Ala. Code § 13A-11-30, -31: Unlawful eavesdropping is defined as the overhearing or recording of the contents of a private communication without the consent of at least one person engaged in the communication.

Short answer, you can tape the call and you don't have to tell them you are taping. If they are going to make these threats, I'd get a recorder, hook it up, test it, and then get 'em on tape.

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 17:58:41 GMT

@Anonymous wrote:

@Anonymous wrote:
I was involved in an accident a while back, and had no insurance. Bad Me!
...
Is this BS, can they suspend my drivers license???

I'll ask what state are you in, but I fail to see how a CA could get your DL suspended. Only the state can do that.

Oh, and the CA making such a threat, perhaps constitutes a violation of the FDCPA. See §806 Harassment or abuse and §807 False or misleading representations.
http://www.ftc.gov/os/statutes/fdcpajump.shtm

The state you are in also matters insofar as whether you can record the conversation and not tell them.
http://www.rcfp.org/taping/states.html

Noah,

I am in alabama. Since this revolves around insurance, and it is mandatory in my state, could this be true?

Any idea where I could find info on the laws. Also Service info for my state?

Message Edited by jaguls66 on 07-06-2007 10:58 AM

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 18:01:29 GMT

jaguls66 wrote:

I am in alabama. Since this revolves around insurance, and it is mandatory in my state, could this be true?

Any idea where I could find info on the laws. Also Service info for my state?

Seems a stretch, at best. Are they claiming the collection is in connection with the accident?

I'd start searching your state AG's website. Look for either consumer or insurance info.

Also look for a state insurance commissioner's website.

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 18:14:16 GMT

yes, State Farm apparently paid their client. Now they are coming after me. But the car is not fixed yet. I was looking at it while in the phone with them.

Re: Suspend my license????

chartley3 — Fri, 06 Jul 2007 18:19:32 GMT

Whats happening is the CA will go back to State Farm and inform them that you refuse to make restitution of the insurance payout. What SF will do is file a writ with your BMV with the accident information and request that they suspend your license. I HIGHLY suggest you setup a payment arrangement with the CA and repay State Farm and buy yourself of state min coverage.

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 18:29:51 GMT

State minimums are being met now, just not then.

In order to set up payment arrangements, I guess I will have to call them back and give up my address, which they should have since I lived where I do now at the time of the accident.

DARN IT!!!

figures, trying to fix things, more things pop up to bite my backside.

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 18:30:52 GMT

I'd look for an naca.net lawyer in your area who deals with insurance issues. Chat with them on the phone. Often you can get a free phone consult and maybe even a free in office consult.

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 18:34:22 GMT

Will give it a try.

On the phone now!

Re: Suspend my license????

SmartCookie — Fri, 06 Jul 2007 18:41:37 GMT

G'luck jaguls66. I strongly recommend not dealing with the insurance company, other party, or CA at all. This is a situation for an attorney specializing in auto insurance to advise you on.

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 18:58:27 GMT

spoke with an attorneys office. He was on vacation, but got the same advice from the girl who answered the phone as i have seen here.

Give as little info as possible.

Do not give new address.

Agree to nothing.

asked for "Sandra Johnson", Never Heard of her = SUSPICIOUS

Said the CRA name so fast I couldn't understand her. = SUSPICIOUS

Will see Monday when the attorney gets here.

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 19:03:41 GMT

Since you don't have to tell 'em when you're recording, you might think about an inexpensive recorder. Couple of threats on tape, and it might constitute a FDCPA violation. Get 'em on tape, and they suddenly might be oh so willing to conclude this whole affair "amicably".

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 19:05:45 GMT

trying to find a cheap recorder that will work on my cell phone now, course it will have to wait til payday.

But oh well, with y'alls help soon I can charge on a AMEX CC!

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 19:10:20 GMT

Try Radio Shack, and pick the store geeks brain over it. See if you can get him to demo it there with your cell.

Re: Suspend my license????

Anonymous — Fri, 06 Jul 2007 19:13:54 GMT

@Anonymous wrote:
Try Radio Shack, and pick the store geeks brain over it. See if you can get him to demo it there with your cell.

Will head there thursday, next week.

Now how to get to Radio Shack without the little lady catching me?

Re: Suspend my license????

SmartCookie — Fri, 06 Jul 2007 19:14:27 GMT

jaguls66 wrote:
trying to find a cheap recorder that will work on my cell phone now, course it will have to wait til payday.

But oh well, with y'alls help soon I can charge on a AMEX CC!

LOL. Hey yeah those recorders can be a bit pricey and confusing but there are lots out there that are good and cheap if you go that route. DH might be able to get you some more referrals of attorneys in Alabama if you want more... just PM me and let me know your city. If you already have a few names or want to go with the office you spoke with, you're fine though and no need.