My son let his car insurance lapse while in the process of moving into SC from another state three years ago. He had a car accident. He has had insurance ever since. He is a student and I am helping him with his rent - he makes a small amount of money working weekends - but not enough to support himself. He owns nothing except a very old car. Today the DMV visited his apartment and suspended his driver's license and the license tag on his car. He was given a phone number for an out of state debt collection lawyer representing the insurance company of the car he hit. I called them and they want him to pay $12,000. He does has no hope of ever being able to pay this. The removal of his driving privileges 6 days prior to the end of the semester could kill his hopes of an education and a brighter future. Is this legal? I read online that he could possibly sign the document they want him to sign, pay one payment, get his license back, and then declare bankruptcy. Can that be done? Can they suspend his license again if he does that?