Money, Funds, Income that is exempt from Collection Agencies. . . . .

I am quite new to blogging and don't have a fancy blog. I am fed up with these collection agencies and so called lawyers trying to imtimidate us. So here is some info I discovered about what kind of money is exempt from collection agencies aka BS Lawyers. Some states might have a claim exemption form. But you may have to compose a letter and send it to the Collection Agent Lawyer and the bank that garnishes your account if your income is exempt. One more thing if you mail anything send it certified so you can check and make sure they recieved your letter; you can also fax documents and your fax should print out a record of documents that were faxed etc. Well here they are:

1. Social Security benefits and Supplemental Security Income (SSI) (42

U.S.C. § 407).

2. Veteran's benefits (38 U.S.C. § 5301)

3. Federal civil service retirement benefits (5 U.S.C. § 8346).

4. Annuities to survivors of federal judges (28 U.S.C. § 376(n)).

5. Longshoremen and Harborworkers Compensation Act (33 U.S.C. § 916).

6. Black lung benefits (30 U.S.C. §§ 931 (b)(2)(F) and 932(a)).

Exemptions listed under 1 through 6 above may not be applicable in child

support and alimony cases (42 U.S.C. § 659).

7. Seaman, master or fisherman's wages, except for child or spousal

support and maintenance (46 U.S.C.A § 11109).

8. Unemployment compensation benefits (§ 60.2-600, Code of Virginia).

This exemption may not be applicable in child support cases (§ 60.2-608,

Code of Virginia).

9. Portions or amounts of wages subject to garnishment (§ 34-29, Code of

Virginia).

10. Public assistance payments (§ 63.1-88, Code of Virginia)

11. a. Homestead - $5,000 worth of cash, personal articles or real

property (§§ 34-4, Code of Virginia)

[Attach list of items claimed].

b. Property of disabled veterans -additional $2,000 worth of cash,

personal articles or real property (§ 34-4.1, Code

of Virginia) [Attach list of items claimed].

Exemptions listed under 11 may not be claimed in certain cases such as

payment of child or spousal support, or the purchase of the

article which is being taken or levied on (§ 34-5, Code of Virginia).

12. Certain specific articles - see description on reverse side (§§

34-26 and 34-27, Code of Virginia) [Attach list of

articles claimed].

13. Workers' Compensation (§ 65.2-531, Code of Virginia).

14. Growing crops (§ 8.01-489, Code of Virginia).

15. Benefits from group life insurance policies (§ 38.2-3339, Code of

Virginia).

16. Proceeds from industrial sick benefits insurance (§ 38.2-3549, Code

of Virginia).

17. Assignments of certain salary and wages (§ 55-165, Code of Virginia).

18. Pre-need funeral contracts (§ 54.1-2823, Code of Virginia).

19. Benefits for victims of crime (§ 19.2-368.12, Code of Virginia).

20. Certain retirement benefits (§ 34-34, Code of Virginia)

21. Other (describe exemption): $

I request a court hearing to decide the validity of my claim. Notice of

the hearing should be given to me at:

I would like to add I am not a lawyer and nor do I play one on TV. I thought that was funny. I found this info on the interenet and figured it was useful in fighting these debt collectors. This document pertains to Virginia, but this is also Federal Law and so should be similar for each state. This is a link to where I found the information:

Claim Exemption Info