Question about debt collections. Do I tell them I have no assets?
I just got my first letter from a debt collector for medical debt. In addition, they called yesterday but I didn't make it to the phone in time and no message was left. (I Googled the phone number and found out it was them.) I am sending them a cease & desist letter using this template
because I don't want the phone calls.
An attorney friend (whom I no longer see due to our busy lives) advised me about 6 months ago that since I have no assets, and bankruptcy is intended to protect your assets, that there is not really a point to filing bankruptcy, and furthermore I couldn't afford to file bankruptcy anyways.
My question is, should I include with the C&D letter, a statement that I am unemployed, have no savings, insurance, property, or any assets, or should I simply send the C&D and not make any other statements?