Parking Tickets and Chapter 13 Bankruptcy

Thousands in Parking Ticket Fines? Driver's License Suspension? Car Booted? Car Impounded? Wage Garnishment?

Your solution to unpaid parking ticket problems

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Chicago Bankruptcy Guy by Arthur Corbin, Chicago Bankruptcy Lawyer

Chapter 13 Solution to Your
Chicago Parking Ticket Problems
  1. Get Your Driver's License Reinstated
  2. Stop Wage Garnishment
  3. Get Off the Car Boot List
  4. Get Your Impounded Car Back
  5. Wipe-Out as Much as 90% of Your Fines

I help people with excessive parking ticket balances, driver's license suspensions, car boots, and impounded vehicles.

CONTACT ME OR ASK A QUICK QUESTION ABOUT YOUR TICKETS

Do You Owe Thousands in Tickets to the City of Chicago?

  • Parking Tickets
  • Red Light Camera Tickets
  • Speed Camera Tickets

CHICAGO'S SYSTEM IS DESIGNED TO GENERATE REVENUE

As I'm sure you already know, the system is designed to generate revenue.

The reckless spending habits of Chicago's officials have the city on the brink of a financial crisis.

With the city hungry for money, cops are on the prowl giving out tickets. The city also hired private contractors to issue parking tickets, operate red light cameras and, most recently, speed cameras.

TOP RESOURCE ALERT

    Check this INTERACTIVE MAP for:
  • Red-Light Camera Locations
  • Speed Camera Locations
    Find your neighborhood. Map your commute. Don't get caught by surprise again and avoid expensive fines.

CHICAGO PARKING TICKETS, RED LIGHT CAMERA TICKETS, AND SPEED CAMERA TICKETS ADD UP FAST

These days, whenever you drive into the city you enter a labirynth of obstacles designed to trap you into violations that result in fines.

If you get a ticket and you're on a tight budget, it's easy to delay paying the ticket until you get some extra cash because you have more important bills to worry about.

Don't pay the parking ticket by the due date, and the fine doubles. With so many traps out there to get you, unless you are very cautious, you can't predict when you will get your next ticket. If that next ticket is not paid by the due date, the fine will also double.

The bottom line is that parking ticket balances can easily spiral out of control and balloon into the thousands.

The city went after a recent client for tickets all the way back from 1996 - that's nearly 20 years. The client didn't even know about these tickets.

ADDITIONAL FEES IF YOUR CAR IS BOOTED OR IMPOUNDED

If, within one year, you accrue (3) past-due parking, red light camera, or speed camera tickets, you become what the city refers to as "boot-eligible." You also become boot eligible with as little as (2) tickets, if those tickets are past-due for over one year.

Check out these Boot, Tow, and Pound Fees:
  • $60 Boot Fee
  • $150 Tow Fee (vehicle is towed after 24 hours)
  • $20 per day storage (first five days), $35 thereafter

These fees have to be paid back in full before your car is released.

DRIVER'S LICENSE SUSPENSION AND WAGE GARNISHMENT

Once the fines are maxed out, in addition to booting or impounding your car, the city resorts to other methods to collect unpaid balances.

The two most coercive methods are wage garnishments and driver's license suspensions.

The city can garnish up to 15% of your wages before taxes. And the city doesn't care that your paycheck isn't big enough as it is.

How are you going to take care of your unpaid tickets if you can't drive to work, or support yourself and your family because your wages are being garnished? Who's going to pay the rent and put food on the table?

They expect you to pay these exorbitant fines without giving you viable options to do so. Instead, to add insult to injury, they suspend your driver's license, boot your car, and even garnish your wages.

THOUSANDS IN TICKET FINES? YOUR NON-BANKRUPTCY REPAYMENT OPTIONS ARE LIMITED

If you owe thousands of dollars to the city in unpaid parking tickets, red light camera tickets, or speed camera tickets, you don't have many options.

You can use your savings (if you have enough saved up), ask a relative for a loan, or win the Powerball. But that's pretty much it.

Chicago does offer payment plans, but these plans are simply not designed for people with large balances.

If your vehicle has been booted or your driver's license has been suspended, the payment plans generally require (1) full payment of all outstanding boot, tow and storage fees, (2) a 50% down payment of all outstanding fines, and (3) the remaining balance must be repaid within 12 months.

For example, if you owe $10,000.00, the breakdown would look like this:
  • $5000.00 down payment
  • All boot and pound fees
  • About $420.00 per month to repay remaining balance

Don't pay for the reckless spending of Chicago's officials. Look into the chapter 13 option and take control.

How the Bankruptcy Laws Can Help You Solve Your Unpaid Chicago Ticket Problems

  • Parking Tickets
  • Red Light Camera Tickets
  • Speed Camera Tickets
  • TAKE CONTROL

    Bankruptcy may be your best option in resolving your unpaid tickets if your driver's license is suspended, your car is booted, your wages are garnished, or your parking ticket balance has grown into the thousands.

    Bankruptcy protections kick in automatically once your case is filed.

    This means that the city must IMMEDIATELY reinstate your driver's license, release your car from the pound, and stop wage garnishments.

    To add icing on the cake, using chapter 13 bankruptcy, you can force the city to accept a repayment plan that you propose. In a chapter 13 repayment plan your monthly payment amount will be an amount you can afford. After making your payments for a certain period of time (the minimum is 36 months), any unpaid parking fines will be eliminated. The unpaid balance is wiped out when you complete your plan.

    So don't get your wages garnished or risk driving with a suspended driver's license. That will only lead to more fees, more costs, more problems.

    An Illinois State Trooper I recently spoke with told me that he impounds the car of every person he stops driving with a suspended driver's license.

    You don't want more problems. You want solutions.

    ACCOMPLISH YOUR GOALS:

    1. Eliminate up to 90% of your parking ticket balance. This means if you owe $10,000, you payback $1000 and the remaining $9000 is wiped out.
    2. Driver's license reinstated
    3. Stop wage garnishment
    4. Get that boot off
    5. Get your car out of the pound

    THE TWO BANKRUPTCY TYPES

    7

    CHAPTER 7 BANKRUPTCY
    AND UNPAID PARKING TICKETS

    CAN I WIPE-OUT MY PARKING TICKETS, RED LIGHT CAMERA TICKETS, OR SPEED CAMERA TICKETS IN CHAPTER 7 BANKRUPTCY?

    Parking tickets receive special treatment in Chapter 7 bankruptcy. Due to this special treatment, parking tickets, red light camera tickets, or speed camera tickets can't be eliminated in chapter 7 like most of your other debts.

    But, if your unpaid ticket balance isn't too high, eliminating your other debts may free up enough money to set-up a payment plan with the City of Chicago.

    So, filing chapter 7 may help you deal with your parking tickets, if:

    1. You have other debts that are getting in the way of paying your parking tickets.
    2. The other debts are dischargeable under chapter 7.
    3. You can afford to pay back the ticket fines after your bankruptcy case is over by getting on a city payment plan.
    4. The amount in unpaid parking tickets is less than the total amount of payments you'd make in a chapter 13 reorganization.

    Contact me to set-up a free consultation if you think you can pay your parking tickets once your other debts are wiped-out,

    Contact me to find out if filing chapter 7 will help you accomplish your goals.

    13

    CHAPTER 13 BANKRUPTCY
    AND UNPAID PARKING TICKETS

    CHAPTER 13 BANKRUPTCY - MAY GIVE YOU THE BREATHING ROOM YOU NEED TO RESOLVE YOUR UNPAID CHICAGO TICKETS

    Unpaid parking tickets, red light camera violations, and speed camera violations CAN BE ELIMINATED (discharged) in a Chapter 13 reorganization.

    Some people are afraid of chapter 13 bankruptcy because chapter 13 is a repayment plan. Don't make the same mistake. In certain situations chapter 13 is superior to chapter 7. Dealing with parking tickets is one such situation.

    If you read the information about chapter 7 above, you know that parking tickets can't be eliminated in chapter 7 bankruptcy.

    Chapter 13 bankruptcy is the best option to accomplish your goals: immediately reinstate your driver's license, get your car out of the pound, or finally settle your unpaid ticket balance while paying back as little as possible.

    By reorganizing your finances under chapter 13, you will only need to pay back the portion of the unpaid ticket balance you can afford to pay back. The remaining balance is wiped out, eliminated, discharged. Or simply disappears. You can use whatever term you like.

    So, because parking tickets can't be wiped-out in chapter 7, chapter 13 will probably be your most cost-effective solution to get the city off your back.

    Here's a quick summary why:

    1. Pay back only the portion of your upaid parking ticket balance you can afford, the rest is wiped-out.
    2. The amount you pay back is based on how much you can afford.
    3. The city can't charge you additional costs and fees.
    4. You usually only have to make 36 payments.
    5. I take matters into my hands so you don't have to waste your time in the city's maze of red tape.

    As you can see, Chapter 13 makes for a pretty sweet deal. Unless you win the Power Ball, this is probably the best deal you're gonna get. If you think you have a better solution, by all means, please call me and let me know so I can share it with everybody else.

    Contact me to see if you qualify for chapter 13 relief and to find out how much you would need to pay back.

    P.S. I want you driving

    P.P.S. My consultations are free

    P.P.P.S. Low down payments for "parking ticket" cases