Sample Judgment Proof Letter - Collection Agency | MassLegalHelp.org

 [Your Address]

 [Date]

[Collection Agency’s Name and Address]

To Whom It May Concern:

I am writing to request that you stop communications with me in accordance with my rights under the Federal Fair Debt Collection Practices Act, 15 USCA Sec. 1692c(c) and Massachusetts regulation 209 CMR 18.14(3).

Please be aware that my income is protected from garnishment because it is from: 
[check all that apply]

•	Social Security (SSI, SSDI)
•	OASDI
•	Public Assistance (TAFDC, EAFDC) 
•	Unemployment Compensation
•	Workers Compensation
•	Veterans Benefits
•	Railroad Retirement Benefits 
•	Pensions (public and private)
•	Retirement Funds
•	I am employed and I make less than $750 per week.

I request that you cease all written and verbal communication with me.  

If you continue to contact me after receiving this letter, it is harassment in violation of the FDCPA. I have/may contact legal counsel if you violate my FDCPA rights. This letter is not an acknowledgment that I owe any money. Thank you for your cooperation.

Sincerely,

[Your Name]