Stop Debt Collection Calls and Exempt Income letter

Use this form letter to tell debt collectors to stop calling you. Learn more on our Stop Debt Collectors from Contacting You page.

Use the text below or the PDF file at the bottom of the page.


Date: [write the date]

To: [write name of debt collection company]

Regarding account number: [write the account number from the debt collector]                                                     


To Whom it May Concern:

Please stop contacting me regarding the above account. The Fair Debt Collection Practices Act, 15 U.S.C. §1692 et. seq., requires that you stop contacting me as soon as you receive this letter.

Under the Fair Debt Collection Practices Act, once I have asked you to stop contacting me, you may only communicate with me to:

  1. advise me that your further efforts are being terminated or
  2. notify me that you intend to invoke a specific remedy.

Until advised otherwise, you should consider this debt to be disputed.

Under federal and state law, a court cannot order a person to pay a debt with income from Social Security, VA, or pension benefits, and other public benefits. See 42 U.S.C. §407; 38 U.S.C. §5301; 33 V.S.A. §124; 29 U.S.C. §1056(d).

Thank you for your cooperation.


[your signature]

Name: [write your name]

Date: [write the date]

Address: [write your address]


[put a check below if this applies to you] 

[  ] My sole source of income is exempt from garnishment for this type of debt. I also wish to inform you that I do not own any attachable property. I have no non- exempt assets.


Follow this link for more information about what property and income is exempt.

Our PDF file does not fully comply with all applicable guidelines for accessible digital documents. For the most accessible experience, use the text above.

Updated: Jan 07, 2020