MVA insurance lapse default. according to mva i did not have insurance of 2 vehicles that were registered by me from 6/01 to 3/03. i no longer have these vehicles and do not recall what insurance company i had back then. i currently owe a crazy amount of money that i am unable to pay. i just found out about this 2 weeks ago when they sent me a letter to my house. i do not know what to do or what is even possible to try and get this situation fixed. is there a lawyer that can help remove this default or lower the amount owed.