City, ST Zip
Dear Sir or Madame:
Your company has written and/or called me regarding a debt you allege I owe your company. This letter is in regard to this claimed debt.
1. to the extent that the Fair Debt Collection Practices Act applies to this debt, I hereby assert my rights and I request that you discontinue contact. I will henceforth log all calls and save all correspondence and I will pursue damages against you should there be any violation of the FDCPA. Thank you for your immediate attention to this matter.
2. please also be advised that I am judgment proof and I hereby request that you code my account as "uncollectible." I am not working at the present time and I do not expect to rejoin the work force. I have recently applied for Social Security disability and I am awaiting a decision by a Social Security judge. If the event that I prevail, any benefits awarded to me are protected from seizure, levy or garnishment by a civil creditor. I own no real estate and I have no assets. I recognize that your company has certain legal rights in attempting to collect debts but I want you to recognize that even if you obtain a judgment against me, I have no source of funds to satisfy said judgment.
Thank you for your prompt attention to these matters.
Very truly yours,