I Didn’t Fight Caner to Let FasTrack Push Me Off a Bridge

Question:

Dear Steve,

I was doing chemotherapy at the time. I’m a colon cancer survivor.

My daughter is a single parent of two small boys and had to move to Tracy, CA cheaper cost of living. I needed to babysit so she could work along with continuing my treatment.

Long story short, Anyway, all was fine until there was a fraud on my debit card bank issued a new card. I never seemed to have time to call them up, so I wrote a letter explaining giving updated card info somehow; it was never updated. I continued to chemo jam down the road to sit running behind most of the time I needed fast track lanes and did so to discover I now owed this amongst charge with the fast track I went 2019 to DMV get new registration forgot my DMV papers on the table at home bringing with me the 2200.00 dollars I thought I owed had to pay to be given current tags since no paperwork DMV rep looked up my case The DMV person would not except my 2200.00dollars cause said I now owed over 4000.00 WHAT!!*#*

Shocked I left feeling panic, not through chemo sessions either 4 days a week over 7 1/2 hour infusion sessions per week. Nevertheless, yes, I still, on many occasions, had to use the fast track, or my grandkids would be out on the street, mother would have lost her job. I rent a room myself, so I can’t help roof wise Now, I can never seem to raise enough funds to pay that bill. I panic, I stress, I worry I still drive up down from Oakland to Tracy it been 2 years now, tags are fake; I’m worried I will get pulled over, lose my only vehicle, and worse

I have nobody which to borrow my credit sucks I could not receive a loan to pay this off, plus I lost my job in June of the 2019 pandemic, and alive exhausted edd I am not sure what I can do to get myself out of this mess except jumping off a bridge, but that won’t help my daughter or grandkids and why did I fight cancer to turn around and jump off a bridge makes no sense I need to be able to drive and continue babysitting boys are now 6 and 7 5 and 3 prior can I file bankruptcy will this eliminate the fast track bill can I do volunteer work to erase debt is there any solution Please and Thank You advise me living with panic every time behind the wheel is an awful emotion to go thru daily please help.

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Doreen

Answer:

Dear Doreen,

In a majority of situations, past-due tolls can be eliminated in bankruptcy. I would suggest you find a good local bankruptcy attorney and have a free discussion about what bankruptcy would mean for you. Bankruptcy is the fastest way to get a fresh start for the least amount of money.

The reason you really need to consult with a local bankruptcy attorney licensed in your state is that there may be a difference between local custom and the letter of the law when it comes to how these tolls and charges are defined.

As one attorney said, “I’ve seen large FasTrak tolls and fines discharged in bankruptcy without objection. In general, government “fines” are not dischargeable, so it’s possible that the agency might object to the “fine” part of a bill being discharged. However, I’ve not heard of that happening although, of course, I’m not familiar with every bankruptcy case that’s included a large FasTrak bill.”

While the situation feels helpless, there is a solution.

Let’s get rid of your panic and fear by dealing with the underlying debt.

I agree with you, there is no good reason to fight the difficult cancer battle only to give up over tolls. We can get through this.

Sincerly,


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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