Monthly Archives: November 2014

A Lower Credit Score…Because of a DUI?

As I’ve mentioned ad nauseum in the past, legislators continue to fall over each other dreaming up newer and harsher penalties for drunk driving.   Result: the costs of getting a DUI have become astronomical — even for a first offense with a relatively low blood alcohol reading.  

Just for starters:  car impound fees, bail, attorneys’ fees, criminal fines and court costs, charges for alcohol education classes, installation and maintenance of interlock devices, costs for community service enrollment, and so on.  And then there are the hidden costs of a DUI conviction:  increased auto insurance premiums, lost days of work, possible loss of job, suspended or cancelled professional licensing, loss of security clearance, loss of child custody, inability to rent a car, etc., etc.  See, for example, What Does a DUI Cost?, where the Texas Department of Transportation estimates the total costs of a DWI arrest and conviction — for a first time offender with no accident involved — to range from $9,000 to $24,000.  And with hidden costs, it can go much higher.

But here’s a new one I hadn’t heard about before…


How a DUI Can Tank Your Credit

Oct. 27 – A conviction for driving under the influence can wreck more than your car: it can damage your credit.

While a DUI (or DWI — driving while intoxicated) won’t show up directly on your credit report or get factored into your score, the financial ramifications could hit your credit hard.

"A DUI can have a catastrophic effect on your finances," says Carole Walker, executive director of the Rocky Mountain Insurance Information Association. "So, take that into account before you get behind the wheel."

Even for a first drunken driving arrest with no wreck or injuries, costs can rack up quickly. For example, the total cost of a drunken driving conviction in Illinois averages about $16,500, according to the 2014 Illinois DUI Fact Book, published by the state.

"The steep cost and the fact that most DUI expenses can be paid with a credit card make it easy to get deep in debt if your finances are shaky," says Kevin Haney, a credit industry expert and publisher of SavvyonCredit.com…

In a best-case scenario, a person who gets arrested for driving while intoxicated might have the funds to cover costs, and the conviction might have no effect at all on their credit report or score, Haney says.  However, in other cases, a drunken driving conviction can lead to credit consequences that can range from minor to major, Haney says.

For example:  Charging big expenses could lead to a dip in score. Using your card to pay thousands of dollars in lawyer fees, alcohol education tuition and fines will increase your utilization ratio, which is the amount of available credit you’re using, Haney says. That can cause your credit score to drop, he says.

The amount owed on accounts makes up 30 percent of your FICO score, according to myFICO.com. The FICO score takes into account factors such as total amount owed, how many accounts have balances and whether you’re close to maxing out cards.

Unpaid fines could get sent to collections. If you’re unable to pay your fines, the county likely will send the debts to a collection agency. A collection on your credit report can have a major negative impact on your score, according to Haney. Collections stay on your credit report for seven years, and the FICO score weighs recent collections more heavily.

A judgment could hurt your credit. A judgment can show up on your credit as a public record and can hurt your score, Haney says. Judgments stay on your credit report for seven years, whether they’ve been paid or not.
A conviction can kill your income.

In the short term, a driving-under-the-influence arrest and conviction can affect your ability to get to work and keep your job, Walker says. And no job equals no income to pay fees, fines or credit card bills…


As some DUI defense attorneys are fond of saying, you may be better off facing a felony burglary charge than getting nailed for a misdemeanor DUI.
 

Can a California DUI Conviction Get You Deported?

A California DUI conviction can have severe consequences. For non-citizens, however, the consequences of a California DUI conviction can be particularly devastating because it can lead to deportation from this country.   

The Immigration and Nationality Act (INA), specifically section 237, sets for the crimes for which a person can be deported. Although a California DUI is not specifically included in this section as a deportable offense, other categories of deportable offenses are listed which a California DUI conviction can fall under. Those categories include aggravated felonies, crimes of moral turpitude, and offenses involving controlled substances.

Prior to 2004, a DUI was considered a crime of violence and therefore deportable under the category of aggravated felonies. However, the United States Supreme Court in the case of Leocal v. Ashcroft, 543 U.S. 1, held that DUIs are not, without other aggravating circumstances, deportable. Specifically, the Court held that a crime of violence is one that includes a “higher degree of intent than negligent or merely accidental conduct.” A DUI, on the other hand, is a general intent crime because it involves negligent conduct rather than a specific intent to cause harm.

If a DUI is not a crime of violence, then may it be a crime of moral turpitude?

Although vague, the phrase “moral turpitude” has been interpreted as shocking the public conscience or acts that are considered wrong by society’s standards. In determining whether a crime shocks the public conscious, the court will look to aggravating circumstances such as a “guilty intent.” As I stated before, a simple DUI, by itself, does not involve any specific intent to cause harm or even commit a crime and therefore cannot be a crime of moral turpitude.

If, however, the DUI is coupled with another offense that does require a “guilty intent,” the DUI conviction could be considered a deportable offense. For example, if someone is arrested for driving under the influence while their license is suspended, it may be considered a crime of moral turpitude if the person knew their license was suspended and drove drunk anyways.

Lastly, a California DUI conviction can be deportable if it involves a controlled substance. As I’m sure you’re aware having read previous posts on this blog, a California DUI does not necessarily involve alcohol. A DUI can involve both legal and illegal drugs. However, being under the influence of only drugs listed in the Controlled Substances Act can cause a DUI to become a deportable offense. The drugs listed in the Controlled Substances act can be found at http://www.deadiversion.usdoj.gov/schedules/orangebook/c_cs_alpha.pdf.