Here is another form letter if you are Judgement proof...to send to a collection agency...received from California Legal Aid.....it says......
Use this letter to inform a collection agency that you have no income or assets it can reach, that you are, in effect, "judgment proof"
if the account is being handled by a collection agency= not the person or company to whom you originally owed money--the agency is forbidden by law from calling you if you request that it not do so.. you may still get letters, but pay attention and if you see a new agency name or address, send another letter if you want to prevent new calls.
your name
your address
city,state zip
Date-------
xyz collections
address
address
re: your name
Acct no--------------
Dear Collection Manager:
This letter is to acvise you that I/we am/are considered "judment proof" due to my/our financial circumstances. Under the California Code of Civil Procedure, all my/our income and assets are protected against court judgments.
I/We am/are formally requesting that you make no further contact with me/us. Under the Federal Fair Debt Collection Act(15 U.S.C 1692c), you are required to stop contacting me/us once I/we make this request, except to inform me that you are terminating collection efforts or that you are taking certain steps, as specified in the statute.
Sincerely,
your name------- 2nd name if applicable-------------
Use this letter to inform a collection agency that you have no income or assets it can reach, that you are, in effect, "judgment proof"
if the account is being handled by a collection agency= not the person or company to whom you originally owed money--the agency is forbidden by law from calling you if you request that it not do so.. you may still get letters, but pay attention and if you see a new agency name or address, send another letter if you want to prevent new calls.
your name
your address
city,state zip
Date-------
xyz collections
address
address
re: your name
Acct no--------------
Dear Collection Manager:
This letter is to acvise you that I/we am/are considered "judment proof" due to my/our financial circumstances. Under the California Code of Civil Procedure, all my/our income and assets are protected against court judgments.
I/We am/are formally requesting that you make no further contact with me/us. Under the Federal Fair Debt Collection Act(15 U.S.C 1692c), you are required to stop contacting me/us once I/we make this request, except to inform me that you are terminating collection efforts or that you are taking certain steps, as specified in the statute.
Sincerely,
your name------- 2nd name if applicable-------------