Minser v. Collect Access, LLC

CourtCalifornia Court of Appeal
DecidedJune 21, 2023
DocketB318325
StatusPublished

This text of Minser v. Collect Access, LLC (Minser v. Collect Access, LLC) is published on Counsel Stack Legal Research, covering California Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Minser v. Collect Access, LLC, (Cal. Ct. App. 2023).

Opinion

Filed 5/24/23; Certified for Publication 6/21/23 (order attached)

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

SECOND APPELLATE DISTRICT

DIVISION ONE

DAVID C. MINSER, JR., B318325, B321996

Plaintiff and Respondent, (San Luis Obispo County Super. Ct. No. 16CVP0156) v.

COLLECT ACCESS, LLC,

Defendant and Appellant.

APPEALS from a judgment and an order of the Superior Court of San Luis Obispo County, Hernaldo J. Baltodano, Judge. Affirmed. Zee Law Group, Tappan Zee and Kimberly Barrientos for Defendant and Appellant. The Fullman Firm, Adam C. Fullman, Christopher J. Peters and Sam Dehbozorgi for Plaintiff and Respondent. _______________________ Under the Rosenthal Fair Debt Collection Practices Act (the Rosenthal Act or the Act; Civ. Code,1 § 1788 et seq.), a debt collector may not “collect or attempt to collect a consumer debt by means of judicial proceedings when the debt collector knows that service of process, where essential to jurisdiction over the debtor or his property, has not been legally effected.” (§ 1788.15, subd. (a).) The trial court found that defendant and appellant Collect Access, LLC (Collect Access) violated this law in its efforts to collect a default judgment against plaintiff and respondent David C. Minser, Jr. The court set aside the underlying judgment on equitable grounds, awarded Minser statutory damages and attorney fees, and ordered Collect Access to repay the amount it had collected from Minser as restitution. Collect Access appeals from both the trial court’s judgment (case No. B318325) and its order awarding attorney fees (case No. B321996). Collect Access alleges that it did not violate the Rosenthal Act because, among other reasons, it did not know that service of process had not been legally effected. In addition, Collect Access contends that the award of attorney fees must be denied in its entirety or reduced because Minser’s attorneys did not sufficiently document the work they performed. We disagree and affirm.

1Unless otherwise specified, subsequent statutory references are to the Civil Code.

2 FACTUAL BACKGROUND AND PROCEEDINGS BELOW On November 16, 2000, First Select, Inc.,2 filed the underlying suit against Minser, and in February 2001 obtained a default judgment for $3,434.86. First Select filed a proof of service in which a process server attested to “personally delivering” the complaint and various other documents to Minser on November 20, 2000, at an address on Curbaril Avenue in Atascadero. The appellate record contains no other documents from this initial phase of the litigation, but the parties stipulated to this basic sequence of events, and also agreed that at some later point, First Select assigned the judgment to PGMI, LLC. In May 2008, PGMI in turn assigned the judgment to Collect Access. Collect Access served Minser by mail with notice of the assignment, as well as a copy of Collect Access’s application to renew the judgment for 10 years. The proof of service forms indicate that Collect Access mailed both of these documents to an address on El Camino Real in Atascadero. In August 2015, the San Luis Obispo County Superior Court issued a writ of execution on the judgment, which by this point, with interest and fees, amounted to $10,480.71. One month later, Collect Access filed a notice of levy on Minser’s bank account. This was apparently the first attempt by any creditor to collect on the judgment, more than 14 years after it was entered. Minser responded on September 22, 2015, submitting a declaration in which he claimed that he had not been served with the original complaint, and that he had learned of the judgment’s existence less than two weeks earlier. One month later, Minser’s

2First Select is a defendant in this case but is not part of the appeals.

3 attorney sent Collect Access a letter reiterating Minser’s statements and including additional information. In a new declaration accompanying the letter from his attorney, Minser stated that his mother had suffered a stroke in early November 2000, and that he had been in San Diego taking care of her on the day the process server claimed to have served him with the complaint at his home on Curbaril Avenue. Minser’s mother submitted a declaration of her own confirming her son’s account, as well as a copy of records from a hospital in San Diego stating that she had been a patient there from November 3 to 12, 2000. Minser also provided utility bills for the summer of 2008 indicating that he resided at an address on Olmeda Avenue and not the one on El Camino Real where Collect Access sent the notices of assignment and of its application to renew the judgment; Minser further asserted he never lived or received mail at the El Camino Real address. Minser’s attorney warned that if Collect Access continued to use judicial proceedings to collect the debt, “Misner will file a [c]omplaint for violations of the Rosenthal Act.” Moe Essa, a Collect Access employee, declared that, upon receiving the declarations, he “personally reviewed the records and files pertaining to . . . Minser’s account.” According to Essa, “Collect Access relied on the [p]roof of [s]ervice filed by . . . First Select in [2000],”3 and on that basis believed Minser was aware of the lawsuit. In addition, Essa stated that Collect Access had

3 Essa lists the date of the First Select proof of service as 2008, but this appears to be a typo. There is no indication in the record that First Select had anything to do with the case after obtaining a default judgment in 2001.

4 used a credit report to determine Minser’s address in 2008 and served him by mail at that address with notice of the assignment and renewal of the judgment. The credit report attached to Essa’s declaration, however, indicated Minser lived on “El Camido” and not “El Camino.” Beyond his review of the file containing the initial proof of service and the 2008 credit report, Essa did not claim to have done any additional research on the veracity of Minser’s claims. Nor did Collect Access cease using judicial resources to collect on the judgment. In December 2015, the superior court issued an order to garnish Minser’s wages by $350 per pay period. According to Essa, Collect Access received its final payment on the judgment in November 2016. On June 17, 2016, Minser filed the instant suit against Collect Access, its attorneys, Zee Law Group, PC, and First Select, alleging causes of action for violating the Rosenthal Act, restitution and unjust enrichment, civil conspiracy, and unfair business practices. The suit also sought to set aside and vacate on equitable grounds the default judgment in the original lawsuit. The court entered default judgment on Minser’s complaint against all three defendants4 in July 2019, but Collect Access later obtained relief from the default judgment. After a bench trial, the court ruled in favor of Minser on all the causes of action except civil conspiracy. The court vacated

4 In the default judgment, the court found Collect Access and Zee Law Group jointly and severally liable for $41,424.41 in damages, attorney fees, and costs. Minser had named First Select as a defendant only for the purpose of vacating the original default judgment against him, and the court did not order First Select to pay any damages.

5 and set aside the original default judgment against Minser and awarded him $1,000 in statutory damages pursuant to section 1788.30, subdivision (b); statutory attorney fees pursuant to section 1788.30, subdivision (c); and $10,152.59 in restitution for the amount wrongfully collected from him. In a separate order, the court fixed the fees and costs awarded to Minser as $12,100.50 in attorney fees and $1,097.23 in costs. Collect Access filed timely appeals from the judgment and from the order awarding attorney fees. DISCUSSION A.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Crocker National Bank v. City & County of San Francisco
782 P.2d 278 (California Supreme Court, 1989)
Raining Data Corp. v. Barrenechea
175 Cal. App. 4th 1363 (California Court of Appeal, 2009)
Komarova v. National Credit Acceptance, Inc.
175 Cal. App. 4th 324 (California Court of Appeal, 2009)
Berryman v. Merit Property Management, Inc.
62 Cal. Rptr. 3d 177 (California Court of Appeal, 2007)
Christian Research Institute v. Alnor
165 Cal. App. 4th 1315 (California Court of Appeal, 2008)
First Fidelity Thrift & Loan Ass'n v. ALLIANCE BK.
60 Cal. App. 4th 1433 (California Court of Appeal, 1998)
Oei v. N. Star Capital Acquisitions, LLC
486 F. Supp. 2d 1089 (C.D. California, 2006)
Rusheen v. Cohen
128 P.3d 713 (California Supreme Court, 2006)
Jacob B. v. County of Shasta
154 P.3d 1003 (California Supreme Court, 2007)
Connerly v. State Personnel Board
129 P.3d 1 (California Supreme Court, 2006)
Grail Semiconductor, Inc. v. Mitsubishi Electric & Electronics USA, Inc.
225 Cal. App. 4th 786 (California Court of Appeal, 2014)
Alborzian v. JPMorgan Chase Bank, N.A.
235 Cal. App. 4th 29 (California Court of Appeal, 2015)
Beck v. Stratton
9 Cal. App. 5th 483 (California Court of Appeal, 2017)
Action Apartment Ass'n v. City of Santa Monica
163 P.3d 89 (California Supreme Court, 2007)
Copenbarger v. Morris Cerullo World Evangelism, Inc.
239 Cal. Rptr. 3d 838 (California Court of Appeals, 5th District, 2018)
People v. A.L. (In re A.L.)
250 Cal. Rptr. 3d 572 (California Court of Appeals, 5th District, 2019)
Ganas v. Wells Fargo Bank, N.A. (In re Ganas)
513 B.R. 394 (E.D. California, 2014)

Cite This Page — Counsel Stack

Bluebook (online)
Minser v. Collect Access, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/minser-v-collect-access-llc-calctapp-2023.