I have lived at the poverty level since 2010 making $12-$15k a year as a substitute teacher. My tickets are speeding, running red light, and 2 fix-it tickets (not fixed of course) for no proof of insurance and incorrect license plate on newly purchased truck (should have been commercial tag because camper had been removed)- which can be fixed. I have recently incurred $200k in emerg. hospital bills. I have no car and no savings. I feel I need to file bankruptcy and go back to school to earn a livable wage. I also have a med. history of anxiety/depression. Will the court recognize these types of hardships? Cost of original traffic tickets combined=$1000. Could I negotiate to pay only this amt so that I may get my DL reinstated? Otherwise it could take 4 yrs to pay off inorder to receive DL.