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Released: September 16, 2010
Help Desk FAQ
What is the the “mini-Miranda” warning?At the beginning of a collection call, a debt collector must recite a phrase that has come to be called the “mini-Miranda” warning. It informs the consumer that the call is from a debt collector, that they are calling to collect a debt, and that any information revealed in the call will be used to collect that debt. The disclosure must also be included in written correspondence with consumers, such as a collection letter. This important provision is required by the Fair Debt Collections Practices Act to prevent debt collectors from calling under false pretenses and gaining information from consumers that can later be used against them.