Well, I was involved in an accident in 2001. I failed to have auto insurance resulting in a judgment against my license. The total debt was $4,409. I had set up a promissary note to pay $175/mo.to Javitch,Block & Rathbone(attorneys@law) I decreased the debt to $2,883 in 2003 and then I lost my job. A 10% interest rate applies as well. The debt has since gone up! I live out in the country without a license. For the past 5 yrs. I have been unable to hold a job due to my lack of transportation and unable to pursue further edjucation for a career in CNC programming.