Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692(c), and the Rosenthal Fair Debt Collection Practices Act, California Civil Code § 1788.17, you are hereby notified to cease and desist all further communication with me in regard to the above-referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also reserve the right to file suit against you for any future violations of this law. Please be advised that if you contact me, you may incur civil liability under U.S.C. Section 1692k and California Civil Code Section 1788.30, which provide for actual damages and civil penalties up to $1,000 for noncompliance. [If senior citizen: Please also be advised that I am a senior citizen, and failure to abide by these laws may result in further damages pursuant to California Civil Code § 3345.]
[If client is collection proof, add this paragraph] Furthermore, my only source of income is [e.g. Social Security, SSI, Unemployment Benefits, Retirement, Pension, Veterans Benefits] and is exempt from collection. I have no income or assets that are lawfully collectable for an enforceable judgment or debt. In the event that this debt is sold, include this letter in my file to ensure that the buyer has notice of exempt status.