Maryland Court Finds Mini-Miranda Not Necessary on Certain Consumer-Initiated Calls

The District of Maryland recently provided clarification on when a debt collector needs to reveal her identity and the purpose of the communication with consumers, known industry-wide as the mini-Miranda. In Price-Richardson v. DCN Holdings, LLC, d/b/a AccountsReceivable.com, 2018 WL 902167 (D. Md. Feb. 15, 2018), the court clarified that providing the mini-Miranda is not necessary when the consumer initiates a call with the debt collector pursuant to a letter that already discloses the debt collector’s identity and the purpose of the debt collector’s communication with the consumer.

Read the decision here. 

Factual and Procedural Background