first letter from debt collector

A CA does not have to prove they sent you a dunning letter, only that they have a documented system in place for sending out such correspondence.

As for your fantasy that you are judgement proof, there are very few instances where an individual is truly "judgement proof". Yours doesn't sound like one of them. The fact that you might inherit money or property makes you a good target. You basically sound like someone who is trying to get out of legitimate debts by fraudulant means. I don't mean to sound preachy, but that's exactly the reason why the trolls come out and lump all of us in the category that you seem to fit rather nicely in. Good Luck!

BRAVO NASCAR,i couldn't have put it better.

Excuse my ignorance but what exactly IS "judgement proof"?

No assets, no income and no hope for either in the future. Or someone with no assets on disability, SSDI, etc....

Okay so say that there is someone (like Nina) who WAS judgement proof starts working or gains assets (inherits money, buys a home, etc), wouldn't they then be forced to start paying?

Or can a judgement not even be put on someone who has nothing?

the property i will inherit: that was put in there to throw off someone who was trying to read my mails, as a joke. i meant to delete it , it is NOT true. i only wish i was inheriting that.

once i sent it, i realized i couldn't revise it.

my atty, one of the top 5 federal bankruptcy attys in nyc, told me that i AM judgment proof. i have no car, no assets, no job, house and i am self employed, make about $7k a year and live in a friend's house, for free. anything that i did ever own was lost in my family house in hurricane katrina. since i was not the homeowner, i did not get those belongings covered by insurance.

A judgement can be granted on anyone really. In Texas, they're good for 10 years and renewable for another 10. The whole time it's accruing interest at 8%. A small judgment can balloon to an astronomical number after 20 years. The hope for the judgement creditor is that at some point the "judgement proof" debtor wins the lotto, or an inheritance, or gets a job, etc..... then they can garnish or levy, etc, depending on state law.

Actually, if you are a family relative of a homeowner, any reputable insurance company will pay for damage or loss to personal property.

It is different if you are a boyfriend, friend, "common law" spouse(i.e. not legally married) etc.

Obviously if there is no flood insurance (in the case of many of the Katrina claims), or if the type of policy was peril specific (i.e. fire only), or if the claim was not covered for some reason (i.e. fraud, unpaid premiums) it is a totally different ballgame.

Some states have laws that might affect family personal property, but they are very rare and there are normally loopholes that companies can work through.

... from the oil spill settlement from murphy oil. i let my elderly mother have the rest of the money since it was her house. i did not have a separate rider for my belongings, which possibly totalled $20k and none of it could be salvaged.

As far as BK being a bargaining chip, I found that each creditor was very different in how they handle accounts. I tried to get mine to work with me and told them that I was trying to avoid BK. Some of them were very patient and encouraged me to try to definitely try to avoid BK. Some of them threatened to sue me and basically told me that if I had to file BK, then go ahead and do it.

can i ask them to stop sending letters by making them aware that i m using your services....

can i ask them to stop sending letters by making them aware that i m using your services....