Timlick
Timlick v. Nat'l Enter. Sys., Inc.
Opinion
Lead Opinion
Fujisaki, J.
*678 In this appeal from the dismissal of a putative consumer class action, we are presented with two main questions. First, can a debt collector that violates the minimum type-size requirement for consumer collection letters under Civil Code sections 1812.700 to 1812.702 1 utilize the procedure for curing violations under the Rosenthal Fair Debt Collection Practices Act (Rosenthal Act; § 1788 et seq.) to correct its violation? Second, after the trial court in this case found there was no triable issue of material fact that the defendant debt collector timely cured the type-size violation as to the named plaintiff, did the court err by dismissing the entire putative class action?
Our answer to each of the foregoing questions is yes. The Rosenthal Act's cure provision set forth in section 1788.30, subdivision (d) (hereafter section 1788.30(d)), is available to debt collectors to correct curable violations of the Consumer Collection Notice law. However, the trial court erred by dismissing the entire putative class action, as this allowed the debt collector to unilaterally "pick off" the named plaintiff and avoid class action litigation. Accordingly, we reverse the judgment and…