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Home Self-help Library Consumer Rights What Is Uncollectible?

What Is Uncollectible?PrintE-mailPDF

Uncollectible means that your property and income are such that creditors cannot take them to pay off the debts that you owe.

What Income is Uncollectible?

  • Worker’s Compensation Benefits
  • Unemployment Compensation Payments
  • Aid to Dependent Children (A.D.C.)
  • General Assistance (G.A.)
  • Disability Assistance administered by the Ohio Department of Human Services
  • Social Security Benefits
  • Supplemental Security Income (S.S.I.)
  • Veteran’s Benefits
  • Black Lung Benefits
  • Tax Refunds attributed to Earned Income Credit or Child Tax Credit

What is Uncollectible Property?

  • $20,200 in equity in your home
  • $3,225 in equity in your car
  • $525 per item in wearing apparel, household goods and furnishings, appliances ($10,775 aggregate)
  • $1,350 in jewelry
  • $2,025 in items you need for your job (tools, books, etc.)
  • $400 in cash and bank accounts
  • $1,075 in any other property

What Do You Do If a Creditor Contacts You?

If a creditor contacts you, you should write them a letter stating that you are uncollectible and they cannot take anything from you. Below is a sample letter:


[Name of Collection Agency]


[Your Name]

[Your Account # with that Creditor]

Dear Agency,

I am writing to request that you stop contacting me about my account number __________________ with [name of creditor] as required by the Fair Debt Collection Practices Act 15 U.S.C. section 1692(c).

All of the property that I own is exempt from collection. My only source(s) of income are __________, which are not subjected to garnishment. Also, my bank accounts cannot be attached because the only money that goes into them is the income listed above.

This letter is not meant in any way to be an acknowledgement that I owe this money. I will take care of this matter when I can. Your cooperation will be appreciated.

Very truly yours,

[Your Name]

[Your Address]

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