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My 19 yr old was involved in a traffic incident in December…

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Hi. My 19 yr...

Hi. My 19 yr old was involved in a traffic incident in December 2016. He tried working with he insurance company, but did not receive response. He received a bill from a collections company for approx $40 thousand. He was told as he tried to make payment arrangements that he could be sent to jail for not making the payments they want of $500/month. Is he in danger of going to jail? Does he have any recourse? thanks.

Lawyer's Assistant: Was this discussed with a manager, HR, or an attorney?

He said he called the number on the collections letter. Just talked to who answered.

Lawyer's Assistant: What state are you in?

NC

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

We're just trying to figure out his options. He wants to make some kind of payment, but something he can handle. He figured he was put at fault because he was driving his friend's truck. I was curious if bankruptcy would be a help.

Submitted: 8 months ago.Category: Legal
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Answered in 1 minute by:
8/6/2017
Lawyer: Loren, Attorney replied 8 months ago
Loren
Loren, Attorney
Category: Legal
Satisfied Customers: 37,382
Experience: 30 years experience representing clients.
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I am Loren, a licensed attorney for over 30 yrs. Thank you for your patience as I review the question. I will post my response shortly.

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Lawyer: Loren, Attorney replied 8 months ago

This is a civil, not a criminal matter. The US does not have debtor's prison and your son can not be jailed for failing to pay a collection matter stemming from a car accident. It is illegal for a debt collector to suggest otherwise.

Merely driving someone else's truck does not make him liable for the damages, in and of itself.

Unless they have a judgment against him, they can not force payment or attach any assets to force payment.

If he is liable and they get a judgment against him then bankruptcy could be a viable option to discharge the debt completely.

Please remember to leave a favorable rating (click 5 stars in the rating section on this page). It is the only way that I am credited by JustAnswer for answering your question.

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Lawyer: Loren, Attorney replied 8 months ago

Did you have further questions? Have I answered your question?

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Lawyer: Loren, Attorney replied 8 months ago

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The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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