Peggy Adams v. Midland Credit Management, Inc.

CourtDistrict Court, S.D. California
DecidedMarch 30, 2026
Docket3:25-cv-01205
StatusUnknown

This text of Peggy Adams v. Midland Credit Management, Inc. (Peggy Adams v. Midland Credit Management, Inc.) is published on Counsel Stack Legal Research, covering District Court, S.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Peggy Adams v. Midland Credit Management, Inc., (S.D. Cal. 2026).

Opinion

1 2 3 4 5 UNITED STATES DISTRICT COURT 6 SOUTHERN DISTRICT OF CALIFORNIA 7 PEGGY ADAMS, Case No.: 3:25-cv-01205-JAH-DEB

8 Plaintiff, ORDER ENTERING JUDGMENT 9 v. AGAINST DEFENDANT AND GRANTING IN PART AND DENYING 10 MIDLAND CREDIT MANAGEMENT, IN PART PLAINTIFF’S MOTION INC., 11 FOR ATTORNEY FEES AND COSTS Defendant. 12 [ECF Nos. 12, 16] 13 14 INTRODUCTION 15 Pending before the Court is Plaintiff Peggy Adams’ (“Plaintiff”) Motion for 16 Attorney Fees and Costs pursuant to the Fair Debt Collection Practices Act (“FDCPA”). 17 ECF No. 16 (“Motion” or “Mot.”). Defendant Midland Credit Management, Inc. 18 (“Defendant” or “Midland”) opposed the motion. ECF No. 18 (“Opposition” or “Opp’n”). 19 Plaintiff filed a reply. ECF No. 19 (“Reply”). After a thorough review of the record, and 20 for the reasons described below, Plaintiff’s Motion is GRANTED IN PART AND 21 DENIED IN PART. 22 BACKGROUND 23 On May 12, 2025, Plaintiff, a debtor, filed a lawsuit seeking to recover damages 24 against Defendant, a debt collector, for alleged violations of the FDCPA, 15 U.S.C. § 1692, 25 et seq. ECF No. 1. On August 5, 2025, Plaintiff accepted Defendant’s offer of judgment 26 pursuant to Federal Rule of Civil Procedure 68(a). ECF No. 12. The parties were unable 27 to resolve Plaintiff’s award of attorney costs and fees pursuant to § 1692k(a)(3). Mot. at 28 7. On August 26, 2025, Plaintiff filed this Motion. ECF No. 16. Plaintiff asks the Court 1 to award $17,476.32 ($16,650 in attorney fees and $826.32 in costs). Reply at 11. 2 Defendant asks the Court to reduce Plaintiff’s award to $6,435.00. Opp’n at 8, 17. 3 LEGAL STANDARD 4 Generally, litigants must pay for their own attorneys’ fees. Camacho v. Bridgeport 5 Fin., Inc., 523 F.3d 973, 978 (9th Cir. 2008) (citation omitted). An exception to the rule, 6 known as a “fee shifting statute,” allows prevailing parties to recover their attorneys’ fees 7 from the opposing side. Id. (internal quotation marks and citation omitted). The FDCPA 8 is a fee-shifting statute that makes violating debt collectors liable to prevailing debtors for 9 “the costs of the action, together with a reasonable attorney’s fee as determined by the 10 court.” Id. (citing 15 U.S.C. § 1692k(a)(3)). “The FDCPA’s statutory language makes an 11 award of fees mandatory. Id. (citation omitted). 12 To calculate awards for attorneys’ fees, courts must use the “lodestar” method, and 13 “the amount of that fee must be determined on the facts of each case.” Id. (citations 14 omitted). “The ‘lodestar’ is calculated by multiplying the number of hours the prevailing 15 party reasonably expended on the litigation by a reasonable hourly rate.” Id. (quoting 16 Ferland v. Conrad Credit Corp., 244 F.3d 1145, 1149 n.4 (9th Cir. 2001)). Generally, “the 17 lodestar figure is presumptively a reasonable fee award,” but courts may “adjust the 18 lodestar to account for other factors which are not subsumed within it.” Id. In rare cases, 19 courts may make upward or downward adjustments to the lodestar based on the Kerr 20 factors2. Id. at 982. In such cases, courts must calculate the lodestar first, then adequately 21 explain the reasons for departing from it. Id. (citations omitted). 22 For part one of the lodestar calculation, the attorney’s hourly rate, courts have “a 23 great deal of discretion in determining the reasonableness of the fee.” Id. (quoting Gates 24 25 1 In her Motion, Plaintiff requests $13,410 in attorney fees and $480 in costs. Mot. at 7. In her Reply, 26 Plaintiff requests an additional $3,240 in attorney fees and $346.32 in costs. Reply at 11.

27 2 Relevant factors include, in part: preclusion of other employment by the attorney due to accepting the case; time limitations imposed by the client or circumstances; and the undesirability of the case. Kerr v. 28 1 v. Deukmejian, 987 F.2d 1392, 1398 (9th Cir. 1992)). To determine the reasonable fee, 2 courts must identify the relevant community and consider “the prevailing hourly rate in 3 that community for similar services by lawyers of reasonably comparable skill, experience 4 and reputation . . . .” Id. at 979. “[T]he relevant community is the forum in which the 5 district court sits.” Id. (citing Barjon v. Dalton, 132 F.3d 496, 500 (9th Cir. 1997)). Rates 6 from outside the relevant community are only used if local attorneys are unable or 7 unwilling to properly handle the case. Id. Further, courts should not “rel[y] on cases 8 decided years before the attorneys actually rendered their services.” Id. at 981. (citing Bell 9 v. Clackamas Cnty., 341 F.3d 858, 869 (9th Cir. 2003)) (holding that it was an abuse of 10 discretion to apply market rates in effect more than two years before the work was 11 performed). Also, courts may consider awarded fees in cases of similar difficulty or 12 complexity and need not “rely[] solely on FDCPA cases in determining the prevailing 13 market rate.” Id. (citations omitted). 14 The prevailing party carries the burden to produce satisfactory evidence that the 15 requested rates are in line with those of reasonably comparable attorneys in the relevant 16 community. Id. at 980 (citing Blum v. Stenson, 465 U.S. 886, 895 n.11 (1984)). Affidavits 17 from the prevailing party’s attorneys and other attorneys in the community, as well as rate 18 determinations in other cases, “are satisfactory evidence of the prevailing market rate.” Id. 19 (citation omitted). “However, declarations filed by the fee applicant do not conclusively 20 establish the prevailing market rate.” Id. The opposing party carries the burden of rebuttal 21 to submit evidence challenging the accuracy and reasonableness of the facts asserted by 22 the prevailing party. Id. (citing Gates, 987 F.2d at 1397-98). 23 For part two of the lodestar calculation, “[d]etermining the number of hours 24 reasonably expended requires considering whether, in light of the circumstances, the time 25 could reasonably have been billed to a private client.” Vargas v. Howell, 949 F.3d 1188, 26 1194 (9th Cir. 2020) (internal quotation marks and citation omitted). In statutory fee cases, 27 courts “have uniformly held that time spent in establishing the entitlement to and amount 28 of the fee is compensable.” Camacho, 523 F.3d at 981. (internal quotation marks and 1 citation omitted). “[I]t would be inconsistent to dilute a fees award by refusing to 2 compensate attorneys for the time they reasonably spent in establishing their rightful claim 3 to the fee.” Id. (citations omitted). To that end, a prevailing party “may also seek the 4 additional fees and costs [] incurred in litigating [] fees and costs.” Afewerki v. Anaya Law 5 Group, 779 F. App’x 449, 452 (9th Cir. 2019). 6 DISCUSSION 7 I. Reasonable Fee 8 To calculate the lodestar, Plaintiff proposes a rate of $450/hr. Declaration of Ely 9 Grinvald (“Grinvald Decl.”), ECF No. 16-2, Ex. 2 at ¶ 6; Reply at 4. Defendant opposes 10 that proposed rate and asks the Court to reduce the rate to $325/hr. Opp’n at 17. 11 For her proposed fee, Plaintiff incorrectly applies market rates typical for attorneys 12 in Los Angeles to her case. Mot.

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Related

Blum v. Stenson
465 U.S. 886 (Supreme Court, 1984)
Fox v. Vice
131 S. Ct. 2205 (Supreme Court, 2011)
Camacho v. Bridgeport Financial, Inc.
523 F.3d 973 (Ninth Circuit, 2008)
Daniel Vargas v. Amber Howell
949 F.3d 1188 (Ninth Circuit, 2020)
Gates v. Deukmejian
987 F.2d 1392 (Ninth Circuit, 1992)

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Bluebook (online)
Peggy Adams v. Midland Credit Management, Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/peggy-adams-v-midland-credit-management-inc-casd-2026.