Timlick v. National Enterprise Systems, Inc.

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Timlick filed a class action complaint, alleging that after defaulting on a loan, Timlick received a collection letter from a third-party debt collector (NES) that did not comply with section 1812.701(b) of the Consumer Collection Notice law because certain statutorily-required language was not in a type-size that was at least the same as used to inform Timlick of the debt, or 12-point type. NES moved for summary judgment on the basis that it cured the alleged violation within the 15-day period prescribed by section 1788.30(d) and sent a letter to Timlick’s attorney, enclosing a revised collection letter. Timlick did not dispute NES’s facts but argued section 1788.30(d) should not apply. The trial court granted NES summary judgment. The court of appeal reversed. A debt collector that violates the minimum type-size requirement for consumer collection letters can utilize the procedure for curing violations under the Rosenthal Fair Debt Collection Practices Act, but 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. View "Timlick v. National Enterprise Systems, Inc." on Justia Law