MARCH 13, 2017

Prescott Lovern. Sr. says that Maryland’s new Insurance Debt Reduction Program (IDRP) is scamming Maryland (MD) residents.

It all starts with alleged insurance lapse fines assessed without a hearing [full due process required]. The U.S. Supreme Court ruled years ago that states cannot take away your driver’s license or registration without “full” due process. That is exactly what MVA does. They offer you a hearing “after the fact.” The illegal fines grow monthly.

What MVA didn’t tell you in their deceptive IDRP is that MD has a law that prevents any creditor from reviving the statute of limitations that have expired [3 years, no lawsuit, no judgment]: “Notwithstanding any other provision of law, on the expiration of the statute of limitations applicable to the consumer debt collection action, any subsequent payment toward, written or oral affirmation of, or any other activity on the debt may not revive or extend the limitations period.” MD Courts and Judicial Proceedings §5–1202. This is why they are now trying to get you to pay 80% when you owe nothing if it has been more than 3 years.

Taking away your right to drive for alleged fines resulting from alleged insurance lapses without a hearing violates, but not limited to, the 14th Amendment to the U.S. Constitution; and, it’s Mr. Lovern’s opinion, it violates 18 U.S.C., Sec. 242 [federal felony].

MVA goes further by telling you under the IDRP that if you sign up and violate one aspect of the program you will owe the full original amount. LIE! If the statute of limitations ran out on your alleged debt they can’t legally collect a dime. What they are doing is offering to let you drive legally again when in fact they illegally suspended your driving privileges to begin with.

Their IDRP also violates the The Fair Debt Collection Practices Act (FDCPA) and state laws. The entire insurance lapse practice at MVA is nothing but a scam, and the Department of Budget and Management’s Central Collection Unit (CCU) is nothing but a criminal enterprise.

Stay tuned.

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