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Brian N. Winn (State Bar No. 86779) E-FILED
Laura M. Hoalst (State Bar No. 101082) 10/19/2020 8:00 AM
Jacky P. Wang (State Bar No. 222464) Superior Court of California
Jason M. Burrows (State Bar No. 309882) County of Fresno
Cherrie Y. Tan (State Bar No. 324871) By: L Quitoriano, Deputy
Katrina Trinh (State Bar No. 327357)
Juan Villanueva (State Bar No. 328049)
Winn Law Group, A Professional Corporation
110 E Wilshire Ave Ste 212, Fullerton CA 92832
Telephone: (714) 446-6686, Fax No.: (714) 446-6680
File No: 19-17519-0-CDG-KYVP- (1910-00)
Attomeys for Plaintiff
SUPERIOR COURT OF CALIFORNIA
10
M1 FRESNO COUNTY, FRESNO DISTRICT
12
CAVALRY SPV I, LLC, as assignee of Case No. 20CECL04478
13 CITIBANK, N.A.,
14 Limited Civil Case
Plaintiff,
15 PLAINTIFF’S REQUEST FOR
VS. JUDICIAL NOTICE AND
16 SUPPLEMENTAL REFERENCE
17 BRANDON T PERINO, et al., MEMORANDUM OF COMPARISON
EXHIBITS FOR LEGISLATIVE
18 Defendant(s). HISTORY OF SB 233 and SB 890
19 Complaint Filed: 8/26/20
20
21 Plaintiff hereby requests the Court take judicial notice of the attached documents as
22
legislative history discussing Senate Bill 233, and Senate Bill 890 (its predecessor), to show
23
the purpose of the statute enaction and the deletion of specific language in
24
Civil Code section 1788.60:
25
26 “(B) For the purpose of this section, the only evidence sufficient to establish the amount
27 and nature of the debt shall be properly authenticated business records that satisfy the
28
Page 1
PLAINTIFF'S MEMORANDUM OF CASE IN SUPPORT OF REQUEST FOR JUDGMENT
1}! requirements of Sections 1271 and 1272 of the Evidence Code. The authenticated records
2
shall include the following items:”
3
Exhibit A: SB - 233 Debt buying with Bill’s History. (Pages 1-7, and page 8) - page 3.
4
Exhibit B: SB - 233 Comparison to Version 04/01/13 (pages 1-7) - page 11.
Exhibit C: SB - 890 Comparison to Version 05/17/1 1(pages 1-7) - page 19.
Exhibit D: SB - 890 Compared to Version 02/08/11 (page 1-6) - page 28.
Also attached are documents for analyses and history of the enactment of the statute
Exhibit E: Bill Analysis (table) - page 35.
10
Exhibit F: Senate Banking and Financial Institutions dated 04/15/13 (pages 1-8) - page 37.
li
12 Exhibit G: Senate Floor Analyses dated 05/17/13 (pages 1-8) - page 46.
13 Exhibit H: Senate Judiciary Committee dated 05/06/13 (pages 1-12) - page 55.
14
15 Plaintiff highlights page 23 herein for deletion of the hearsay requirement referenced.
16 hereby declare, under penalty of perjury under the laws of the state of California, that
17
the attached documents “Compare Versions” with dates designated, and analysis, are true
18
copies of documents pulled from the website identified as “California Legislative Information”,
19
20 its address is set forth on the bottom of the page.
21 Dated: October 15, 2020
WINN LAW GROUP, APC
23 i
[] Brian N. Winn
[ ] Laura M. Hoalst
25 [ ] JackyP. Wang
26 [ ] Jason M. Burrows
[ ] Cherrie Y. Tan
27 Katrina Trinh
[ ] Juan Villanueva
28 Attorney for Plaintiff
Page 2
PLAINTIFF'S MEMORANDUM OF CASE IN SUPPORT OF REQUEST FOR JUDGMENT
10
11
12
18
14
15
16
17
18
19
20
21
22
23
24
25
26
Exhibit A
27
SB - 233 Debt buying with Bill's History.
(Pages 1-7, and page 8).
28
P, 3
Plaintiff's Memorandum in Support of Judgment
iuuay s LAW As Amended
Page | of 6
€ SPREE.
f’ LEGISLATIVE INFORMATION
Home | Bill Information i California Law | Publications i OtmerResources | My Subserptions | my Favories |
SB-233 Debt buying, (2013-2014)
a
SECTION 1. The Legistature finds
and declares the followings
‘tigation.
a, i) The collection of debt pu chased
dequacy of documentation requ
by debt buyers has become a signi
ired to be maintained by the Ind,
ficant focus of public concern due to
lustry in
the
support of its collection activities
and
(8) State law does not currently pi rescrl
ibe the specifie nature of do cumentat
and produce in a legat action on ion that a debt buyer must main
the debt, tain
{¢) Documentation used to sup pore
the collection of 8 debt must be
being asked to pay the debt Is sufficient to prove that the individual
in fect the Individual associated wi th who is
the amount of indebtedness is accurate. the original contract or égreemen
t, end that
(d) It fs important to create document
atio 7 and process standards
interested parties can easily unde for the collection of consumer debt
rstand, that att
{e) This act is not intended to
affect the legal
és intended to impose enforcea enforceability,
ble standards upon the coll
or coltectability, ofa charged-off consumer debt, but
Purchased by a debt buyer follo ion and litigation of consumer debt
wing the consumer debt's cha that has been
ge off by a creditor,
(0) Setting specific documentatio
n and process standards will
and establish clearer criterta for Protect consumers, provide need
ae fel 2bt buyers and the collection ed clarity to courts,
Industry.
(9) This act shall be known, and may be cited
, @s the Fair Debt Buying Practices Act.
SEC. 2. Title 1. ‘6C.5 (commencing with Section 4788,50) is adde
read, d to Part 4 of Oivision 3 of the
Civil Code, to
TITLE 1.60.5. Fair Debt Buying Practices
1788.50. (a) As used in this titles
(1) "Debt buyer” means a P€rs
on or enti ity that is reguiacly eng
consumer debt for collection aged in the business of Purchasing
purposes, whether it collects the charged-off
an attorney-at-law for collection Cebt itself, hires a third party
Utigation, . "Debt buyer” does not for collection, or hires
~olf consumer debt incldental Mean 8 person or entity that acqui
to the pi urchase of a portfolio res a charged
not been charged off. predominantly consisting of cons
umer debt that has
(2) “Charged-off consumer debt
” means 8 consumer debt that
asset and treated as a loss or expense. has been removed from a creditor's
books as an
(b) The acquisition by & check servi icices company of the Fight
including an Automated Clearing ta collect on aPaper or electron
He fous: fe item, that has been returned ic check Jnstrument,
purchdse of delinquent cons u npald to a merchant does not
umer debt under this tite, constitute a
(¢) Tetms Gefined in Title 1.6C
(commenting with Section 1788
} shail apply to this titte,
(d) This title shall apply to debt buyers with respect to all
2074. consumer debt sold or resald on
or efter January 1,
1788.62, (8) A debt buyer shall not make any written
debt unless the debt buyer Possesse sta: tement to a debtor in an attem
s the following it int formation. pt to collect a consumer
(1) That the debt buyer Is the sole
Owner of the debt at issue or has
the debt. authority to assert the rights of
all owners of
~~
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foday's Law As Amended
Page 2 of 6
(2) The debt balance at cha me off and an explanatio
n of the amount, nature, and reaso
interest and feas, if any, imposed n for all post-charge-off
Paragraph shalt not be deemed to require
by the charge-off creditor or any
Subsequent purchasers of the debt,
}
a specific Hemization, but the explanatio This
charge-off balance, the total of any ‘Pos n shail ldentify separately the
t-charge-off interest, and the
total of any post-charge-off fees.
(3) The date of defauit or the date
of: the last payment.
(4) The name end an address Of the charge €-Off
creditor at the time of cher ge off, and
account number associated with the the charge-off creditor's
deb t The ie charge-off crecitor’s name ai nd
$0 8S to reasonably identify the address shall be in sufficient form
charge-off cre ditor.
(5) The name and last known adores: S
of the debtor as they appeered In the charg
the szle of the debt. If the debt e-off creditor’ ‘5 records prior to
was sold prior to January 1, 2014, the
Oebtor as they appeared in the of febt name and last kno Wwe address of the
owner's records on December 34, 2013,
shail be sufficient.
(6) The names and addresses of all
persons or entities that purchased the
debt buyer making the written debt efter charge off, including the
Statement, The names and addr
reasonably identify each such purchaser. esses shall be In sufficient form so
as to
(2) A debt buyer shall nor inake any
written stat tement ta a debtor in en
untess debt buyer has access to a Copy of @ contra attempt to collect a consumer debt
ct or other document evidencing the
the debt. If the claim is based on Gebt for which no signe debtor's egreement ta
ed contract or agreement exists, the debt
fiave access to @ copy of a document
Provided to the debtor while the accou buyer shalt
debt was incurred by the debtor. For a nt Was active, demonstrating that the
revolving credit account, the most recent
purchase transaction, lastpayme nt, mor nthly statement recording a
or balance transfer shall be deemed sufficient
to Satisfy this requirement.
(c) A debt buyer shell provide the infor
ma tion or documents identified In subai
without charge within 15 calendar days visions (a) end (b} to the debtor
of recelpt of a debtor's written request for
Or proof of the debt, If the debt buyer information regarding the debt
can not provide the information or docum
debt buyer shall cease all collection oft ents within 15 calendar days, the
@ Gebt until the debt buyer Provides
documents described in subdivisions (a) the debtor the Information or
ai ad (b), Except as provided otherwise
debtor shall be consistent with the validat fon in this title, the request by the
requirements contalned in Section 16529
States Code. A debt buyer shail Provide of Tit! fe 15 of the United
all debtors with whom it has contact an active
these requests can be sent, 4 debt buyer may posta # address to which
also provise an active email address to which
be sent and through which information and docum these requests can
ents can be dellvered, if the parties agree,
(@) (1) A debt buyer shail Include with
its first wi itten communication with the debt
type, @ separate prominent notice thar or inno smalter than 12-point
Provides:
“You may request records showing
the following: (1) that [insert name of
collection of the debt; (2) the debt balanc debt buyer) has the right to seek
e, inctudin 19 8 explanation of any Interest
(3) the date of defauit or the date of charges end additional feas;
the ‘ast peymt ent; (4) the name of the charg
number associated with the debt; (5) e-off creditor and the account
the name and last known address of
“off creditor's or debt buyer's recor the debtor as It appeared in the charge
ds Prior to the sale le of the debt, as
persons or entities that have purchased appropriate; and (6) the names of all
the debt. You may also request from us
document evidencing your agreement a copy of the contract or other
to the debt,
“A request for these records may be
addressed to; {inset debt buyer's active
if epplicable]. mailing address and email address,
(2) When collecting on 2 time-barred debt where the debt Is fot past
Section 605(a) of the federal Fair Credit the date for obsolescence provided
Reporting Act (15 U.S, C. Sec, 1681¢): for In
“The law limits how long you can be sued on
a debt. Because of the age of your debt, we
you 00 not pay the debt, finsert name of will not sue you for it. If
debt buyer) m: ay [Continue to] report it to the
@s unpald for as long as the credit reporting agencies
law permits this reporting.”
(3) When collecting on a time-barre
d debt where the debt is past the
Section 605(a) of the federal Fair Credit date for ob: solescence provided for in
R ‘eporting Act (15 U.S.C. Sec, 168I¢):
5
bitp:/Aeginfo. legislature.ca.gov/faces/billComnareCiient vhiml hill $4901 2901 anenAans din eineen
Juuay’s Law As Amended
Page 3 of 6
“The law limits how tong
you can b% e sued on a t. Because of the age of your
and we will not report it to debt, we wil! not sue you
any cr redit reporting agency for it,
,”
(eo If a language other tha
in English is principall ly used by the
debtor, the notice required debt buyer in the inltial oral contact
days,
by subdivision (@) shal lf be
provided to the debtor in with the
thet language within fivewor
king
(Qin the event of 2 con
ti ct between the requirem
impracticable to comply with ents of subdivision (d)
both, the requirements Of feder and federal iaw, So that it is
a, t faw shai! prevail,
1768.64, (a) Ail settlement agi
Tees between a debt buye
otherwise reduced ta writing, r and a debtor shalt be docume
6 Ly ver shall ensure that @ Copy nted in open court or
debtor. of the written agreement
Is Provided to the
(8) A debt buyer that receives Payment on
Statement, to the debtor. The 2 debt shal! provide, withi in 30
recel;‘pt or statement shall cleanly and calendar days, 3 recelpt or
monthly
paid, the name of the enti
ty pald, 4 the curt rent account
cons picu ously show th 1 amount and
number, the name Of the char date
number issued by the charge-o ge-off creditor, the account
ffcreditor, and the remaining
be provided electronically if balance owing Ge if any. The
the parties », gree, receipt or statement may
(6) A debt buyer that accepts 8 pay nt
provide, within 30 calendar days, @ ‘yme as payment
final stat
in full, oF 88 @ full and final comp
romise of the debt,
an interest in a resolved oebt ement that com plies with
, or any personal or finan subdivision (6). A debt buyer shallni shail
cial in: formatio n related to the resolved debt. jot self
1788.56. debt buyer shall n ot bring suit
or initiate an arbitration or other
ebt ff the applicable statute of lira legal proceeding to collect a con
ttetions on the debt buyer's claim sumer
has expired,
1788.58. In an action brought
bya debt buyer on a consumer
debt:
(a) The complaint shalt alleg
e alt of | the following:
(1) That the piainuft is a debt
buyer,
(2) The neture of the underlyi
‘ing debt and the consumer
Short end plain statement. fransaction or transactions from
which It Is derived, in a
(3) That the debt buyer is the
sole owner of the debt at issue
the debt, , Or has authority to assert the
rights of ai! owners of
(4) The debt balonce at chal ge off and an expl
anation of the @mount, natur
interest and fees, if any, imposed e, 8N0 reason for ail ost-Char
by the charge-off credit ge-off
paragraph shail not be dee "emed for or any subseg went purchasers of the
to require 8 specific itemiza: tlon, debt, This
charge-off balance, the total of any but the explanation shall Iden tify Separate
Posi-charge-off interest, and ly the
the totat of any Post-charge~
-off fees.
(5) The date of default or the
Gate of the last payment,
(6) The name and an éddress
of the ch 1arge-off creditor
account number associated with
the de
at the time of cha "ge Off, and the charge-off creditor's
50 45 to repsonably Identify the
The charge-off creditor's name ai nd addr
charge-off creditor, ess shall be in sufficient fom
(7) The name and last know
n address of the debtor as they
the sole of the debt. If the debt . appeared in the chai Wge-
they appesred In the debt owne
wes 5 ‘ld prior to January 1, 2014, the debtor's nameOffandcredlas
itor's records Prior to
r's re. cords on December 31, it known address as
2013, shall be sufficient,
(8) The names and addresse
s of aj i! persons or entities
plaintitt debt buyer, The names nd that eurthased the debt after charge off, inclu
e addresses shall be in stufficient ding the
purchaser, form so as to reasonably ‘dentify
each such
(9) That the debt buyer has comp
lied with Section 1788.52.
(b) A copy of the contract or ot
ther document described in Subd
the complaint. ivision (b) of Section 1 788.52,
shall be attached to
(c) The requirements of this title
Shall not be deemed to req julre the disclosure
financial, or medical information, in public records
the confidentiality of which is
Protected by any state or federal
of personal,
law,
—b-
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Page 5 of 6
SEC. 4. Section 700,010
of the Code of Civil Proced
ure is amended to read;
700.010, (a) At the tim
e of levy Pursuant to
this artide or promptly thereafte |
Copy of the following on
the judg; ment debtor; r, the levying officer shall serve
a i
(1) The writ of execution
.
(2) A notice of levy.
(3) If the judgment debtor 'S 8 natural
Council pursuant to subd person, a coy Py of the form
ivit ision (¢) of Section 6B. listin: 19 Exemptions prepared
Preview
Brian N. Winn (State Bar No. 86779) E-FILED Laura M. Hoalst (State Bar No. 101082) 10/19/2020 8:00 AM Jacky P. Wang (State Bar No. 222464) Superior Court of California Jason M. Burrows (State Bar No. 309882) County of Fresno Cherrie Y. Tan (State Bar No. 324871) By: L Quitoriano, Deputy Katrina Trinh (State Bar No. 327357) Juan Villanueva (State Bar No. 328049) Winn Law Group, A Professional Corporation 110 E Wilshire Ave Ste 212, Fullerton CA 92832 Telephone: (714) 446-6686, Fax No.: (714) 446-6680 File No: 19-17519-0-CDG-KYVP- (1910-00) Attomeys for Plaintiff SUPERIOR COURT OF CALIFORNIA 10 M1 FRESNO COUNTY, FRESNO DISTRICT 12 CAVALRY SPV I, LLC, as assignee of Case No. 20CECL04478 13 CITIBANK, N.A., 14 Limited Civil Case Plaintiff, 15 PLAINTIFF’S REQUEST FOR VS. JUDICIAL NOTICE AND 16 SUPPLEMENTAL REFERENCE 17 BRANDON T PERINO, et al., MEMORANDUM OF COMPARISON EXHIBITS FOR LEGISLATIVE 18 Defendant(s). HISTORY OF SB 233 and SB 890 19 Complaint Filed: 8/26/20 20 21 Plaintiff hereby requests the Court take judicial notice of the attached documents as 22 legislative history discussing Senate Bill 233, and Senate Bill 890 (its predecessor), to show 23 the purpose of the statute enaction and the deletion of specific language in 24 Civil Code section 1788.60: 25 26 “(B) For the purpose of this section, the only evidence sufficient to establish the amount 27 and nature of the debt shall be properly authenticated business records that satisfy the 28 Page 1 PLAINTIFF'S MEMORANDUM OF CASE IN SUPPORT OF REQUEST FOR JUDGMENT 1}! requirements of Sections 1271 and 1272 of the Evidence Code. The authenticated records 2 shall include the following items:” 3 Exhibit A: SB - 233 Debt buying with Bill’s History. (Pages 1-7, and page 8) - page 3. 4 Exhibit B: SB - 233 Comparison to Version 04/01/13 (pages 1-7) - page 11. Exhibit C: SB - 890 Comparison to Version 05/17/1 1(pages 1-7) - page 19. Exhibit D: SB - 890 Compared to Version 02/08/11 (page 1-6) - page 28. Also attached are documents for analyses and history of the enactment of the statute Exhibit E: Bill Analysis (table) - page 35. 10 Exhibit F: Senate Banking and Financial Institutions dated 04/15/13 (pages 1-8) - page 37. li 12 Exhibit G: Senate Floor Analyses dated 05/17/13 (pages 1-8) - page 46. 13 Exhibit H: Senate Judiciary Committee dated 05/06/13 (pages 1-12) - page 55. 14 15 Plaintiff highlights page 23 herein for deletion of the hearsay requirement referenced. 16 hereby declare, under penalty of perjury under the laws of the state of California, that 17 the attached documents “Compare Versions” with dates designated, and analysis, are true 18 copies of documents pulled from the website identified as “California Legislative Information”, 19 20 its address is set forth on the bottom of the page. 21 Dated: October 15, 2020 WINN LAW GROUP, APC 23 i [] Brian N. Winn [ ] Laura M. Hoalst 25 [ ] JackyP. Wang 26 [ ] Jason M. Burrows [ ] Cherrie Y. Tan 27 Katrina Trinh [ ] Juan Villanueva 28 Attorney for Plaintiff Page 2 PLAINTIFF'S MEMORANDUM OF CASE IN SUPPORT OF REQUEST FOR JUDGMENT 10 11 12 18 14 15 16 17 18 19 20 21 22 23 24 25 26 Exhibit A 27 SB - 233 Debt buying with Bill's History. (Pages 1-7, and page 8). 28 P, 3 Plaintiff's Memorandum in Support of Judgment iuuay s LAW As Amended Page | of 6 € SPREE. f’ LEGISLATIVE INFORMATION Home | Bill Information i California Law | Publications i OtmerResources | My Subserptions | my Favories | SB-233 Debt buying, (2013-2014) a SECTION 1. The Legistature finds and declares the followings ‘tigation. a, i) The collection of debt pu chased dequacy of documentation requ by debt buyers has become a signi ired to be maintained by the Ind, ficant focus of public concern due to lustry in the support of its collection activities and (8) State law does not currently pi rescrl ibe the specifie nature of do cumentat and produce in a legat action on ion that a debt buyer must main the debt, tain {¢) Documentation used to sup pore the collection of 8 debt must be being asked to pay the debt Is sufficient to prove that the individual in fect the Individual associated wi th who is the amount of indebtedness is accurate. the original contract or égreemen t, end that (d) It fs important to create document atio 7 and process standards interested parties can easily unde for the collection of consumer debt rstand, that att {e) This act is not intended to affect the legal és intended to impose enforcea enforceability, ble standards upon the coll or coltectability, ofa charged-off consumer debt, but Purchased by a debt buyer follo ion and litigation of consumer debt wing the consumer debt's cha that has been ge off by a creditor, (0) Setting specific documentatio n and process standards will and establish clearer criterta for Protect consumers, provide need ae fel 2bt buyers and the collection ed clarity to courts, Industry. (9) This act shall be known, and may be cited , @s the Fair Debt Buying Practices Act. SEC. 2. Title 1. ‘6C.5 (commencing with Section 4788,50) is adde read, d to Part 4 of Oivision 3 of the Civil Code, to TITLE 1.60.5. Fair Debt Buying Practices 1788.50. (a) As used in this titles (1) "Debt buyer” means a P€rs on or enti ity that is reguiacly eng consumer debt for collection aged in the business of Purchasing purposes, whether it collects the charged-off an attorney-at-law for collection Cebt itself, hires a third party Utigation, . "Debt buyer” does not for collection, or hires ~olf consumer debt incldental Mean 8 person or entity that acqui to the pi urchase of a portfolio res a charged not been charged off. predominantly consisting of cons umer debt that has (2) “Charged-off consumer debt ” means 8 consumer debt that asset and treated as a loss or expense. has been removed from a creditor's books as an (b) The acquisition by & check servi icices company of the Fight including an Automated Clearing ta collect on aPaper or electron He fous: fe item, that has been returned ic check Jnstrument, purchdse of delinquent cons u npald to a merchant does not umer debt under this tite, constitute a (¢) Tetms Gefined in Title 1.6C (commenting with Section 1788 } shail apply to this titte, (d) This title shall apply to debt buyers with respect to all 2074. consumer debt sold or resald on or efter January 1, 1788.62, (8) A debt buyer shall not make any written debt unless the debt buyer Possesse sta: tement to a debtor in an attem s the following it int formation. pt to collect a consumer (1) That the debt buyer Is the sole Owner of the debt at issue or has the debt. authority to assert the rights of all owners of ~~ http:/Aeginfo legislature. ca.gov/faces/billCompareClient.xhtml?hill d=2019901 anenaas sin eine foday's Law As Amended Page 2 of 6 (2) The debt balance at cha me off and an explanatio n of the amount, nature, and reaso interest and feas, if any, imposed n for all post-charge-off Paragraph shalt not be deemed to require by the charge-off creditor or any Subsequent purchasers of the debt, } a specific Hemization, but the explanatio This charge-off balance, the total of any ‘Pos n shail ldentify separately the t-charge-off interest, and the total of any post-charge-off fees. (3) The date of defauit or the date of: the last payment. (4) The name end an address Of the charge €-Off creditor at the time of cher ge off, and account number associated with the the charge-off creditor's deb t The ie charge-off crecitor’s name ai nd $0 8S to reasonably identify the address shall be in sufficient form charge-off cre ditor. (5) The name and last known adores: S of the debtor as they appeered In the charg the szle of the debt. If the debt e-off creditor’ ‘5 records prior to was sold prior to January 1, 2014, the Oebtor as they appeared in the of febt name and last kno Wwe address of the owner's records on December 34, 2013, shail be sufficient. (6) The names and addresses of all persons or entities that purchased the debt buyer making the written debt efter charge off, including the Statement, The names and addr reasonably identify each such purchaser. esses shall be In sufficient form so as to (2) A debt buyer shall nor inake any written stat tement ta a debtor in en untess debt buyer has access to a Copy of @ contra attempt to collect a consumer debt ct or other document evidencing the the debt. If the claim is based on Gebt for which no signe debtor's egreement ta ed contract or agreement exists, the debt fiave access to @ copy of a document Provided to the debtor while the accou buyer shalt debt was incurred by the debtor. For a nt Was active, demonstrating that the revolving credit account, the most recent purchase transaction, lastpayme nt, mor nthly statement recording a or balance transfer shall be deemed sufficient to Satisfy this requirement. (c) A debt buyer shell provide the infor ma tion or documents identified In subai without charge within 15 calendar days visions (a) end (b} to the debtor of recelpt of a debtor's written request for Or proof of the debt, If the debt buyer information regarding the debt can not provide the information or docum debt buyer shall cease all collection oft ents within 15 calendar days, the @ Gebt until the debt buyer Provides documents described in subdivisions (a) the debtor the Information or ai ad (b), Except as provided otherwise debtor shall be consistent with the validat fon in this title, the request by the requirements contalned in Section 16529 States Code. A debt buyer shail Provide of Tit! fe 15 of the United all debtors with whom it has contact an active these requests can be sent, 4 debt buyer may posta # address to which also provise an active email address to which be sent and through which information and docum these requests can ents can be dellvered, if the parties agree, (@) (1) A debt buyer shail Include with its first wi itten communication with the debt type, @ separate prominent notice thar or inno smalter than 12-point Provides: “You may request records showing the following: (1) that [insert name of collection of the debt; (2) the debt balanc debt buyer) has the right to seek e, inctudin 19 8 explanation of any Interest (3) the date of defauit or the date of charges end additional feas; the ‘ast peymt ent; (4) the name of the charg number associated with the debt; (5) e-off creditor and the account the name and last known address of “off creditor's or debt buyer's recor the debtor as It appeared in the charge ds Prior to the sale le of the debt, as persons or entities that have purchased appropriate; and (6) the names of all the debt. You may also request from us document evidencing your agreement a copy of the contract or other to the debt, “A request for these records may be addressed to; {inset debt buyer's active if epplicable]. mailing address and email address, (2) When collecting on 2 time-barred debt where the debt Is fot past Section 605(a) of the federal Fair Credit the date for obsolescence provided Reporting Act (15 U.S, C. Sec, 1681¢): for In “The law limits how long you can be sued on a debt. Because of the age of your debt, we you 00 not pay the debt, finsert name of will not sue you for it. If debt buyer) m: ay [Continue to] report it to the @s unpald for as long as the credit reporting agencies law permits this reporting.” (3) When collecting on a time-barre d debt where the debt is past the Section 605(a) of the federal Fair Credit date for ob: solescence provided for in R ‘eporting Act (15 U.S.C. Sec, 168I¢): 5 bitp:/Aeginfo. legislature.ca.gov/faces/billComnareCiient vhiml hill $4901 2901 anenAans din eineen Juuay’s Law As Amended Page 3 of 6 “The law limits how tong you can b% e sued on a t. Because of the age of your and we will not report it to debt, we wil! not sue you any cr redit reporting agency for it, ,” (eo If a language other tha in English is principall ly used by the debtor, the notice required debt buyer in the inltial oral contact days, by subdivision (@) shal lf be provided to the debtor in with the thet language within fivewor king (Qin the event of 2 con ti ct between the requirem impracticable to comply with ents of subdivision (d) both, the requirements Of feder and federal iaw, So that it is a, t faw shai! prevail, 1768.64, (a) Ail settlement agi Tees between a debt buye otherwise reduced ta writing, r and a debtor shalt be docume 6 Ly ver shall ensure that @ Copy nted in open court or debtor. of the written agreement Is Provided to the (8) A debt buyer that receives Payment on Statement, to the debtor. The 2 debt shal! provide, withi in 30 recel;‘pt or statement shall cleanly and calendar days, 3 recelpt or monthly paid, the name of the enti ty pald, 4 the curt rent account cons picu ously show th 1 amount and number, the name Of the char date number issued by the charge-o ge-off creditor, the account ffcreditor, and the remaining be provided electronically if balance owing Ge if any. The the parties », gree, receipt or statement may (6) A debt buyer that accepts 8 pay nt provide, within 30 calendar days, @ ‘yme as payment final stat in full, oF 88 @ full and final comp romise of the debt, an interest in a resolved oebt ement that com plies with , or any personal or finan subdivision (6). A debt buyer shallni shail cial in: formatio n related to the resolved debt. jot self 1788.56. debt buyer shall n ot bring suit or initiate an arbitration or other ebt ff the applicable statute of lira legal proceeding to collect a con ttetions on the debt buyer's claim sumer has expired, 1788.58. In an action brought bya debt buyer on a consumer debt: (a) The complaint shalt alleg e alt of | the following: (1) That the piainuft is a debt buyer, (2) The neture of the underlyi ‘ing debt and the consumer Short end plain statement. fransaction or transactions from which It Is derived, in a (3) That the debt buyer is the sole owner of the debt at issue the debt, , Or has authority to assert the rights of ai! owners of (4) The debt balonce at chal ge off and an expl anation of the @mount, natur interest and fees, if any, imposed e, 8N0 reason for ail ost-Char by the charge-off credit ge-off paragraph shail not be dee "emed for or any subseg went purchasers of the to require 8 specific itemiza: tlon, debt, This charge-off balance, the total of any but the explanation shall Iden tify Separate Posi-charge-off interest, and ly the the totat of any Post-charge~ -off fees. (5) The date of default or the Gate of the last payment, (6) The name and an éddress of the ch 1arge-off creditor account number associated with the de at the time of cha "ge Off, and the charge-off creditor's 50 45 to repsonably Identify the The charge-off creditor's name ai nd addr charge-off creditor, ess shall be in sufficient fom (7) The name and last know n address of the debtor as they the sole of the debt. If the debt . appeared in the chai Wge- they appesred In the debt owne wes 5 ‘ld prior to January 1, 2014, the debtor's nameOffandcredlas itor's records Prior to r's re. cords on December 31, it known address as 2013, shall be sufficient, (8) The names and addresse s of aj i! persons or entities plaintitt debt buyer, The names nd that eurthased the debt after charge off, inclu e addresses shall be in stufficient ding the purchaser, form so as to reasonably ‘dentify each such (9) That the debt buyer has comp lied with Section 1788.52. (b) A copy of the contract or ot ther document described in Subd the complaint. ivision (b) of Section 1 788.52, shall be attached to (c) The requirements of this title Shall not be deemed to req julre the disclosure financial, or medical information, in public records the confidentiality of which is Protected by any state or federal of personal, law, —b- hltn:/eginfo legislature.ca. gov/faces/hill Commarea Viame whens Ty Anennne - Tone ts abe ures seen podeunlr IITG/SB9R]/AOB BO: angelsdor opurBayyydyiq “£7 Ualevodsuen pue satem Wop “03 pautuy sou Ing “Burpy njDUy H Pi ‘sasuadxa Presse Agu Ynor Oy} eauersu SHH “conassip sy ur dew nos 2 ‘me] J3q70 Aue Bypy PISUHMON405 ‘arBiysedaid yo SISOD S.10N7ap Iuepuajap ayt pnfard jnoyyn 40 YUM a ya ‘BUI ENUIUO2 103 ssn Pook vONDe a1 Hy SS/tus1p Paledasd 20U 3} 10 Jeadde eo poy 70U Sao 0} syey tat wale 484N Juno? ay? pue ern 07 PaaI0sd 07 4008p jwepuayap 249 4 ap ynuted aya puE * ‘SHEP 101) palnpayos ay , R09 HAID BY 20 E UOISIAIG 40 & ¥ed30 fos: "B8LI uo (ely soy sseadde 48pUN payeinbas se ue uORIAS WIM Buouau 9009 AD OY) 10 t03) S39°T apy 2°BOLT Uorpas yy pauyap 52 92) sew nsugd Buayon uy Bs 82 2 UTS Lag Speer 0} “aunpacaug HAID $0 ap o ay2 oF Pappe s SI “Pigeaauojusun pue pyOA 5) pue “Aa yod a4qnd oy Arenuor 57 G wonIaS “p‘038 BAN Sia Jo Suapstaaud ay Jo Jaatem Aug “99 R8et SpnpeH Heys (-bas 19 “PAR S141 4apun ay6nosg OSE 299 00928 Ue Uy) S)De aweS Gupuawuuor) 29 2S S21) ny SeOHIIg UANDBYOD OY? 10) Asanozes T ORL) Dy 39: OG Hest jesapay aya 40 ((geer saqQIEI vopoatoD 1990 wiRs uONnDas YMA peyuasoy a #8 49PUN 2GN Odg UOKDe Be UL Asenoz ay (5) 452} 242 JO atep ay) Wey 1294 aue uy WEnesg aq HEYS OPH) SIYT AQ pajeais Agey Aue “vopejorn agua oy wore uy ty) Supuessyywgou Paun[2 ‘dasa Aue pyoae 07 Paidop e Aqeuoseay 40 a2uelapucdald eB Aq 0 pue Sous apy eu og & way paynsad pue seun: HUBIUY JOU SBUNDaIOsd Jo azuevazue ayy saays 424g i sem VaneOIA ay Jey) aouapina gap BY WT YONIAS sy sapUG Ay i WIEN HAND OW aney yeys 4adng igap y (a) ‘panaye Ajesienpe suosia PY} “adueyduiasuou 241 30 ainteu ayy tedng 49ap d $0 Ja aun 343 BUe “194Ng J9ap ay? 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Section 700,010 of the Code of Civil Proced ure is amended to read; 700.010, (a) At the tim e of levy Pursuant to this artide or promptly thereafte | Copy of the following on the judg; ment debtor; r, the levying officer shall serve a i (1) The writ of execution . (2) A notice of levy. (3) If the judgment debtor 'S 8 natural Council pursuant to subd person, a coy Py of the form ivit ision (¢) of Section 6B. listin: 19 Exemptions prepared