Skip to main content

Search

Blank Monthly Debts Outstanding Chart (PDF & DOCX)

Click the above PDF or DOCX icons to download this blank form for listing a family’s debts that are still due in the current month.  For credit card debts, include either the minimum payment due or another amount if that is what you regularly pay each month.

Note: Some browsers will download DOCX files directly to your downloads folder.

Sample Monthly Expenses Chart (PDF)

Click the above PDF icon to download this sample listing of monthly expenses.  Your expenses may include other categories or you may wish to use different categories than the ones listed here.  Estimate as best you can all your actual expenses during the prior month.

 

Blank Monthly Expenses Chart (PDF & DOCX)

Click the above PDF or DOCX icons to download this blank form for listing monthly expenses.  Your expenses may include other categories or you may wish to use different categories than the ones listed here.  Estimate as best you can all your actual expenses during the prior month.

Note: Some browsers will download DOCX files directly to your downloads folder.

 

Sample Monthly Income Chart (PDF)

Click the above PDF icon to download this sample listing of monthly income.  Your income may include other sources than those listed here, such as workers’ compensation, unemployment compensation, food stamps, other public benefits, or pensions. For wages, use take-home pay. If self-employed, include all income and also list under expenses any income taxes and self-employment taxes you pay in a given month.

 

Blank Monthly Income Chart (PDF & DOCX)

Click the above PDF or DOCX icons to download this blank form for listing listing last month’s income. Your income may include other sources than those listed here, such as workers’ compensation, unemployment compensation, food stamps, other public benefits, or pensions. For wages, use take-home pay. If self-employed, include all income and also list under expenses any income taxes and self-employment taxes you pay in a given month.

Sample Stop Contact or "Cease" Letter

One strategy to stop collection harassment is to send the collector a “stop contact” letter, also called a “cease” letter.  After that, the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take.  Other practice tools include other letters a consumer can send to a debt collector, including those indicating all the consumer’s assets and income are exempt from seizure by the collector, a letter disputing the debt, and a letter seeking verification of the debt.

 

Adams v. Schneider, 2020 WL 5411378 (E.D. Wash. Sept. 9, 2020).

Smith v. TW Asset Group L.L.C., 2019 WL 1934551 (S.D. Ohio May 1, 2019).

Adams v. First Fed. Credit Control, Inc., 1992 WL 131121 (N.D. Ohio May 21, 1992).

Fausto v. Credigy Serv. Corp., 598 F. Supp. 2d 1049 (N.D. Cal. 2009).

Huffman v. BC Servs., Inc., 2017 WL 2537106 (D. Colo. June 9, 2017).

Lipscomb v. The Raddatz Law Firm, P.L.L.C., 109 F. Supp. 3d 251 (D.D.C. 2015).

Lesman v. Specialized Loan Servicing, L.L.C., 2015 WL 13773978 (N.D. Ga. Jan. 16, 2015).

French v. RMB, Inc., 2011 WL 13318792 (N.D. Ga. May 26, 2011).

Anderson v. Frederick J. Hanna & Assocs., P.C., 361 F. Supp. 2d 1379 (N.D. Ga. 2005).

Shaw v. Bank of Am., N.A., 2015 WL 224666 (D. Mass. Jan. 15, 2015).

Maleh v. United Collection Bureau, Inc., 287 F. Supp. 3d 265 (E.D.N.Y. 2018).

Lazar v. FCI Lender Servs., Inc., 2017 WL 5067572 (E.D.N.Y. Sept. 28, 2017).

Munroe v. Nationstar Mortg., L.L.C., 207 F. Supp. 3d 232 (E.D.N.Y. 2016).

Bodur v. Palisades Collection, L.L.C., 829 F. Supp. 2d 246 (S.D.N.Y. 2011).

Goldstein v. Hutton, Ingram, Yuzek, Gainen, Carroll & Bertolotti, 39 F. Supp. 2d 394 (S.D.N.Y. 1999).

Currier v. PDL Recovery Group, L.L.C., 2017 WL 712887 (E.D. Mich. Feb. 23, 2017).

Valek v. Stellar Recovery, Inc., 2014 WL 1028916 (W.D. Mich. Mar. 17, 2014).

Duarte v. Client Services, Inc., 2019 WL 4572941 (N.D. Ill. Sept. 20, 2019).

Villalobos v. Meyer Njus Tanick, P.A., 2019 WL 3562663 (N.D. Ill. Aug. 5, 2019).