Letter to creditors advising them that you are judgment proof and your only source of income is Social Security disability

Creditor Name
City, ST Zip

      RE:  Your name
             Your account number

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,


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