Description
If your only sources of income are state or federal government benefits, your income may be “exempt” or protected from collection. If you inform the collector that government benefits are your only source of income, the collector may voluntarily stop contacting you about the alleged debt. You can inform collectors over the phone if all of your income is exempt, and you can also send a letter like this one. Other practice tools include other letters a consumer can send to a debt collector, including those instructing the collector to cease communications, a letter disputing the debt, and a letter seeking verification of the debt.
