Exempt Funds? - Rural Law Center of New York

When sending this letter, also notify the creditor that is suing you thatyou have only exempt income and that they should not attempt tofreeze your bank account. (See sample of this letter on this site, also.)Sending these letters will not stop a creditor from suing you or winninga money judgment against you, but it may help to minimize the risk ofyour bank account being frozen. You can send this letter at any time,but it is best to send it before you are sued.If you are being sued, make sure that you call Social Security (orVeteran’s Benefits, Public Assistance, etc.) and ask them to send yourchecks in paper form instead of having them directly deposited intoyour frozen account.Lastly, make sure you keep copies of everything.