November 30, 2023

What is the 11 Word Phrase to Stop Debt Collectors?

Dealing with debt collectors can be a stressful and overwhelming experience. However, there is an 11 word phrase that can help you stop debt collectors in their tracks. This phrase is known as the "mini-Miranda" warning and it is required by law for debt collectors to provide it to consumers.

What is the Mini-Miranda Warning?

The mini-Miranda warning is a statement that debt collectors must provide when they first contact a consumer. The warning is named after the Miranda rights that police officers must read to suspects when they are arrested. The purpose of the mini-Miranda warning is to inform consumers of their rights and to prevent debt collectors from using abusive or harassing tactics.

The mini-Miranda warning must include the following information:

  • The debt collector is attempting to collect a debt
  • Any information obtained will be used for that purpose
  • The consumer has the right to dispute the debt within 30 days
  • The consumer can request that the debt collector stop contacting them

Why is the Mini-Miranda Warning Important?

The mini-Miranda warning is important because it protects consumers from being taken advantage of by debt collectors. Debt collectors are required by law to provide this warning in order to inform consumers of their rights and to prevent them from using abusive or harassing tactics.

If a debt collector fails to provide the mini-Miranda warning, they may be in violation of the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that regulates the behavior of debt collectors and provides consumers with certain protections.

How Can You Use the Mini-Miranda Warning?

If you are being contacted by a debt collector, it is important to know your rights and to use the mini-Miranda warning to your advantage. When you receive a call from a debt collector, listen carefully to the message and write down the name of the person who called, the name of the company they are calling from, and the amount of the debt they are trying to collect.

When you speak to the debt collector, ask them to provide the mini-Miranda warning. If they fail to do so, you can remind them of their legal obligation to provide this warning. You can also request that they stop contacting you if you do not want to continue the conversation.

If you believe that a debt collector has violated your rights under the FDCPA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or contact an attorney who specializes in debt collection practices.


Dealing with debt collectors can be a stressful and frustrating experience. However, knowing your rights and using the mini-Miranda warning can help you protect yourself from abusive or harassing tactics. If you are being contacted by a debt collector, remember to ask for the mini-Miranda warning and to take action if you believe that your rights have been violated.

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