The mini Miranda is the statement debt collectors are required to use when they’re contacting you about a debt. In their initial communication with you, whether that communication is made in writing or over the phone, the collector must state that they’re attempting to collect a debt and any information obtained will be used for that purpose. In every other communication, they must let you know that they’re a debt collector.
This warning is called the mini Miranda because it’s similar to the Miranda rights that law enforcement must use to warn suspects of their right to remain silent, the right to an attorney, and the right to a court-appointed attorney if the suspect can’t afford one.
This part of the Fair Debt Collection Practices Act is covered in Section 807 Part 11 and isn’t officially called the mini Miranda.
