People v. Super. Ct. (Credit One Bank)

CourtCalifornia Court of Appeal
DecidedJuly 3, 2025
DocketE084854
StatusPublished

This text of People v. Super. Ct. (Credit One Bank) (People v. Super. Ct. (Credit One Bank)) 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
People v. Super. Ct. (Credit One Bank), (Cal. Ct. App. 2025).

Opinion

Filed 7/3/25 CERTIFIED FOR PUBLICATION

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

FOURTH APPELLATE DISTRICT

DIVISION TWO

THE PEOPLE,

Petitioner, E084854

v. (Super.Ct.No. CVRI2101654)

THE SUPERIOR COURT OF OPINION RIVERSIDE COUNTY,

Respondent;

CREDIT ONE BANK, N.A.,

Real Party in Interest.

ORIGINAL PROCEEDINGS; petition for extraordinary writ. Harold W. Hopp,

Judge. Petition granted.

Michael A. Hestrin, Jeffrey F. Rosen, Summer Stephan, George Gascon, Nathan J.

Hochman, District Attorneys, Harold R. Anderson, Evan Goldsmith, Tamalca Harris,

Colleen E. Huschke, and Hoon Chun, Deputy District Attorneys for Petitioner.

Rob Bonta, Attorney General, and Adelina Acuña, Deputy Attorney General as

Amicus Curiae on behalf of Petitioner.

No appearance for Respondent.

1 Quinn Emanuel Urquhart & Sullivan, Steven G. Madison, and Mari F. Henderson

for Real Party in Interest.

The district attorneys of four counties brought a civil enforcement action on behalf

of the People of the State of California. They here challenge a trial court discovery ruling

by petition for writ of mandate. We publish our opinion to clarify the standard for

determining whether the defendant in a civil enforcement action may require the People

to designate and produce for deposition a person most qualified to testify on their behalf 1 (PMQ) per Code of Civil Procedure section 2025.230.

Real party in interest Credit One Bank, N.A. (Credit One) noticed the People’s

deposition on 25 topics, including two document requests. The People here challenge an

order denying in part their request for a protective order. The trial court found the People

must designate a PMQ but limited the topics and document requests.

The People dispute that they may be required to designate a PMQ, asking that we

find as a matter of first impression that the People are not a person or entity subject to

deposition under section 2025.010. They also argue the PMQ deposition Credit One

seeks is tantamount to a deposition of opposing counsel, and the trial court erred by

failing to consider and apply the limitations on such depositions articulated in Carehouse

Convalescent Hospital v. Superior Court (2006) 143 Cal.App.4th 1558 (Carehouse) and

similar authority.

1 Undesignated statutory references are to the Code of Civil Procedure.

2 We reject the first argument but agree with the second. That is, we reject the

notion that the People (through PMQs) may never be deposed, but Credit One must first

demonstrate “‘extremely’ good cause” for the deposition. (Carehouse, supra, 143

Cal.App.4th at p. 1562.) The trial court did not apply this standard. We therefore grant

the petition and order that the trial court reconsider the People’s motion for a protective

order.

FACTS

In March 2021, the district attorneys of Riverside, San Diego, Los Angeles, and

Santa Clara counties, on behalf of the People, sued Credit One for violating California’s

Rosenthal Fair Debt Collection Practices Act (Civ. Code, § 1788 et seq., Rosenthal Act)

and Unfair Competition Law (Bus. & Prof. Code, § 17200 et seq., UCL). The People

allege Credit One, either directly or through vendors, engaged in debt collection activities

“that involve unreasonably frequent and harassing phone call patterns and conduct.” The

lawsuit seeks injunctive relief, civil penalties, restitution to victims, costs of suit, and

other equitable relief.

Credit One propounded written discovery, and the People responded. In April

2023, the People served written objections and responses to 14 requests for production of

documents, 33 special interrogatories, and a set of form interrogatories. The People’s

production included thousands of pages of documents. In March 2024, the People served

objections and responses to 18 requests for admissions and another response to form

interrogatories.

3 In January 2024, Credit One noticed the deposition of the People’s PMQ. The

notice identified 25 topics for testimony and requested production of two categories of

documents. The first 15 topics sought testimony about allegations in the complaint and

the People’s investigation before filing the complaint. The next eight topics sought

testimony about the People’s communications with various third parties regarding Credit

One or the complaint’s allegations, including a catch-all that would cover

communications with any third parties “relevant to the allegations.” The 24th topic

sought names, addresses, phone numbers, and other identifying information for each

person with whom the People communicated regarding “any of the facts alleged” in the

complaint or “in the course of [the People’s] investigation of the facts alleged” in the

complaint. The last topic sought testimony on the documents the People will rely on at

trial. The two document requests encompass any documents the PMQ “reviewed or

relied upon to provide testimony” on the first 21 of the 25 topics, as well as any

documents in the People’s possession that “relate in any way” to those 21 topics.

In February 2024, the People served Credit One with objections to the deposition

notice and moved to quash. The court denied the motion without prejudice, instructing

the People to refile it as a motion for a protective order under section 2025.420. The

People did so in June 2024.

In a written order, the court granted in part and denied in part the People’s motion

for a protective order. The trial court found “it is proper in an action such as this for a

defendant to notice the deposition of ‘The People of the State of California,’ and that the

4 government agencies who are bringing the action are required by [section 2025.230] to

designate the individuals who are most qualified to testify on their collective behalf as to

the matters specified in the deposition notice ‘to the extent of any information known or

reasonably available’ to them.”

The court, however, modified the topics. It deleted the 24th topic, finding an oral

deposition was an “inefficient and unnecessarily burdensome method of gathering the

information responsive to the topic.” The court eliminated the 25th topic because it

sought information privileged as attorney work product: “defendant may certainly

discover what evidence the People possess, but may not discover what evidence the

People have decided to present.” The court also excluded any “internal discussions

within or between the four district attorney’s offices as to the merits of bringing the

action, whether the complaint should be filed, what witnesses to interview or to obtain

statements from, what documents or other evidence should be gathered, how the litigation

should be conducted, what legal theories to pursue, or what evidence the People have

decided to present at trial.” The court reframed the remaining topics, ordering that the

identity of witnesses with whom the People have communicated, the content of the

statements the witnesses made, and any documents the witnesses provided, “may be

discovered, as it relates to” 11 specified categories. The court also allowed discovery of

5 the identity of any other “witness with whom the People communicated” about Credit 2 One.

As to the document requests, the court ordered: “the People shall produce the

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