It's rather problematic for you to ask this type of question on this site. Please contact a California attorney, who will be able to best advise you about the specific state's statutory requirements. All attorneys on this forum mean well, and we are offering a valuable service to the public through Avvo. Nonetheless, reach out to the bar association in your locality and ask for a referral, in the event no one else from your locality responds to your question here.
It appears that you are already in bankruptcy and I'm assuming you do have an attorney in a usually complicated Chapter 13. If you are not represented in bankruptcy, you really should be. Your attorney has your full picture and by asking a limited question to a forum such as this, you're begging for problems.
As an attorney in Upstate NY, I have experience in these specific matters. The record should have popped up much sooner, now that driving records are nationalized. Need to get your driving record and deal with the court involved, then take proof of the resolution to the DMV.
You can many times avoid bankruptcy by negotiating a discounted principal and enter into reasonable payment plans. Contact me for a free telephone consult. I have successfully negotiated a vastly reduced debt plan. Konst Law in New York State: KonstLaw@gmail.com.
You may wish to read the recent Salamon case, whereby the court opened the door to claims from independent contractors:
Perhaps you should google "diversity jurisdiction" to understand what the attorneys are trying to tell you. It is a legal requirement to obtain jurisdiction in federal court, where you can sue them all together. Otherwise, you need to sue them individually in state courts.
This isn't the type of case where an attorney is going to take the case on contingency. You'll need to pay an attorney a retainer fee up front and pay by the hour.
Pro se is very difficult to do in a complex case.