Each time a debt collector contacts you,
he/she must inform you that they are a debt collector and must read you a Mini
Miranda. This warning is reminiscent of the warning that the police give you
when you are about to be arrested but has nothing to do with criminal law. The
Mini Miranda must contain the following words or represent their meaning.
Hello, my name is (name of collector). I am/or this office is a debt collector
representing (creditor) Information obtained during this communication will be
used for the purpose of debt collection.
Example Mini Miranda
"This is an attempt to
collect a debt. Any
information will be used
for that purpose. If you
dispute the validity of
this debt you have 30
days to notify us of
such"
The Mini Miranda warning must also be included in all correspondence received
through the mail.
Related Articles or Links
Your Right to Validation of Debts to Collection Agencies
Get Debt Collectors Out of Your Life
Federal Trade Commission Opinion Letter on Validation
Federal Trade Commission Publications
Fair Debt Collection Practices Act
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