Illegal collection agency - Wilbur and Associates, Bloomington, IL

PS--taking away someone's license to drive and ability make a living because of an unpaid debt accomplishes nothing---and is about as self-defeating as taking away someone's license to practice an occupation because of an unpaid student loan. Just IMHO.

*to*

They can't suspend your license.  What they can do is report you to the state who will then suspend it if that is the way the law is written.

I know. I still believe, however, that the law's logic in taking away one's ability to make a living altogether because they can't (or won't) pay a debt is flawed.

Quote:

Nothing from this Wilber bunch would be taken at face value, especially given that Wilber isn't around when those insurance claims are first filed and processed. They would be made to explain themselves to myself and to my own insurance carrier, and possibly insurance industry regulators, as to why they apparently need to bully their way into my wallet before I have any clarity as to my actual liability and before any claim decision has been "upgraded" to a court judgment.

Well said.

Well they can still make a living.  Unless you actually drive for a living, you can still get to work and home, it is just more difficult.  As to the penalty, I can see why they have it.  Insurance laws are in place because driving is a privilege and not a right.  They needed to do something because there were too many people driving without insurance and getting in accidents causing property damage, injuries, or death.  The victims would have no recourse.

Think of it this way.  You are driving down the street and someone runs a stop sign and totals your car.  You don't have collision coverage on it.  So now you are out a car until you can buy a new one.  They don't have insurance and don't have a job or anything of value enough that would make it worth while to sue them.  So now you have problems getting to work, the store, to pick up the kids, whatever.  Would you really want the state to allow that person to keep driving?

No, of course not. I am just saying that everyone's situation is unique---whuch the law does not make exceptions for.

*which* Can't spell today...

I'll just say one more thing on the subject: I have read horror stories about people having their professional licenses suspended by their respective states for defaulting on their student loans, which was a big problem during the "Great Recession", when many were either laid off or had their hours cut to the bare bone. How is the "law" supposed to get a debt paid, when they strip someone of their ability to work...at all?

YES THEY CAN. LOOK UP THE LAWS EDUCATE YOURSELF BEFORE YOU SPEAK.

Peoples license gets susp because they drive with no insurance look up the financial resp act that is breaking the law.

BUT THEY CAN. LOOK UP THE LAWS YOURSELF

Your credibility is next to zero with a response like that.

What is the "financial resp (sic) act" you talking about?  What state are we discussing? Do all states even have mandatory insurance laws?

And by the way, we are yet to establish whether or not the person who posted the comment I was replying to claimed to have the proper insurance or not.  I have also not made any disparaging remarks towards Wilbur.

In any case, I think there are a lot of folks posting in this thread who need to advice of a lawyer, not some strangers on the Internet.

That is what judges are for I guess.  But most cases won't ever get that far so its is one size fits all.