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Or are the attorneys that advertise on television just too lazy to do their job and don't actually want to fight the system? They just tell you to do it by the book and file a Chapter 13 on the outrageous amounts of bills you can never possibly pay back before you DIE?

When you get pulled over (with absolutely NO probable cause) and if you do not prove insurance to the BMV, they yank your license, 90 days. 2nd offense is a year or more. Third or more offenses is five years and over five hundred dollars in fines along with the fact that you cannot obtain a...