mini miranda
Valeria Mendez
Created on May 16, 2023
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Transcript
mini miranda
disclosure
when to disclose
jurisdiction
goal
who to provide
- Situation: A call is either received from a customer or made to a customer.
OBJECTIVE
- Goal: Advise the person about the purpose of the communication.
3
2
1
primary
who to provide
co buyer
authorized 3rd party
disclosure
This is an attempt to collect a debt. Any information obtained will be used for that purpose.
Este es un intento de cobrar una deuda. Cualquier informacion obtenida sera utilizada para ese proposito
When to disclose
3
2
1
jurisdiction
jurisdiction
+ info
+ info
+ info
disclosure requirements
Applicability
Federal FDCPA
If the initial communication with the customer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose; and in subsequent communications that the communication is from a debt collector.
A Debt collector is generally any person who uses any instrumentality of interstate commerce or the mails: 1) Whose principal business purpose is the collection of any debts, or 2) Who regularly collects or attempts to collect, directly or indirectly, debts owed or due another, or 3) A creditor who, in collecting its own debts, uses any name other than his own which would indicate that a third person is attempting to collect the debts