The Mini Miranda Warning

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

Debtors Rights

Cease and Desist Letter

Sue Debt Collector

Your Right to Validation of Debts to Collection Agencies

Dealing With Debt Collections

Dealing With Debt Collectors

Get Debt Collectors Out of Your Life

Federal Trade Commission Opinion Letter on Validation

Federal Trade Commission Publications

Statute of Limitations

Fair Debt Collection Practices Act

You Can Collect Money Damages From Debt Collectors

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