FAIR,DEBT BUYING,PUBLIC,LEADERSHIP INSTITUTE,JOIN,PROGRESSIVE,AGENDA,MESSAGING,GUIDE,ABORTION RIGHTS,MODEL,BILLS,MEETINGS,CONFERENCES,CONTACT,SUMMARY,CLEAR,MINIMUM,DOCUMENTATION,REQUIREMENTS,AFFIRMATIVE,DEBT BUYER,DEBTOR,LAWSUIT,COLLECT,JUDGMENT,BILL,DRAFTING,NOTE,NEARLY,VERBATIM,VERSION,THE MODEL,WRITTEN BY,BERKELEY LAW,POLICY ADVOCACY,CLINIC,ORIGINAL,DOWNLOADED,HERE,TURN,ENACTED,THE STATE OF CALIFORNIA,AVAILABLE,SECTION,SHORT TITLE,SHALL,SECTION 2,FINDINGS,PURPOSE,LEGISLATURE,FINDS,PURCHASE,DEBT,CREDITORS,FILE,HIGH,VOLUME,LAWSUITS,SUBJECT TO,REGULATIONS,OVERSIGHT,DEBT BUYERS,GENERALLY,PROVE,IDENTITY,AMOUNT,VALIDITY,THE ORIGINAL,COLLECTION,WRONG,CONSUMER,CONSUMERS,UNAWARE,LEGAL RECOURSE,WAGES,ALREADY,CASES,LAW,CURB,WORST,INDUSTRY,COURT,PROCEEDINGS,SECTION 3,DEFINITIONS,MEANS,BOOKS,ASSET,LOSS,EXPENSE,CREDITOR,PERSON,ENTITY,CONSUMER CREDIT,OBLIGATION,ALLEGED,NATURAL PERSON,MONEY,TRANSACTION,THE MONEY,PROPERTY INSURANCE,SUBJECT,PERSONAL,FAMILY,HOUSEHOLD,WHETHER,REDUCED,ENGAGED,THE BUSINESS,PURCHASING,DELINQUENT,COLLECTS,ITSELF,HIRES,THIRD PARTY,ATTORNEY AT LAW,LITIGATION,GOOD FAITH,HONEST,REASONABLE,ASSESSMENT,LEGALLY,RELEVANT,FACTS,LIMITED,ACTUALLY,POSSESSION,INQUIRY,INFORMATION,BELIEVED,MATTER,ISSUE,STATUTE OF LIMITATIONS,PERIOD,BY LAW,PARTY,CAUSE OF ACTION,JUDICIAL,EXPIRATION,THE COLLECTION,PAYMENT,ACCOUNT,BANKRUPTCY PROCEEDING,WRITTEN,METHOD,C,ATTEMPT,UNLESS,DOCUMENTS,EVIDENCING,SOLE,AUTHORITY,ASSERT,THE RIGHTS OF ALL,OWNERS,ENTIRE,CHAIN,SUFFICIENT,BUYER,NAME,LAST KNOWN ADDRESS,DATE OF BIRTH,LAST,DIGITS OF,SOCIAL SECURITY NUMBER,CHANGES,INTEREST RATE,FEES,CHARGES,INCEPTION,PROVISION,ITEMIZED,BALANCE,DATE,RUN,CONTRACT,DOCUMENT,DEBTORS,AGREEMENT,THE CLAIM,SIGNED,AFFIDAVIT,ACTIVE,REVOLVING CREDIT,RECENT,MONTHLY,STATEMENTS,RECORDING,CASH ADVANCE,SATISFY,REQUIREMENT,COMMUNICATION,WRITING,IDENTIFIED,SUBSECTION,CHARGE,BEGIN,THE PHONE,CALL,STATEMENT,CALLING,PAYMENTS,BELIEVE,DAYS,SEND YOU,HAVE TO,SHOW,THE RIGHT,YOU CAN,TELL ME,IF YOU,THINK,PAID,REASON WHY,YOU MIGHT THINK,DO NOT,CALENDAR DAYS,INITIAL,COMMUNICATION WITH,KNOWS,REASON,KNOW THAT,CANNOT,EFFECTIVELY,COMMUNICATE,ENGLISH,DETERMINE,PRIMARY LANGUAGE,LANGUAGE,THE EVENT,CONFLICT,OR 3,FEDERAL LAW,IMPRACTICABLE,PREVAIL,VIOLATION,CONTACTS,ATTEMPTS,OUTSIDE,SUIT,ACTION,THE COMPLAINT,ALLEGE,PLAINTIFF,NATURE,UNDERLYING,TRANSACTIONS,DERIVED,SHORT,PLAIN,CHARGE OFF,EXPLANATION,FOR ALL,PRE CHARGE,POST,INTEREST,CALCULATED,EVIDENCED,DEFAULT,THE LAST,ADDRESS,NUMBER,BE IN,PRIOR,THE SALE,THE NAMES,PERSONS,OWNED,TRANSFER,COMMUNICATIONS,DISCLOSURE,IN PUBLIC,FINANCIAL,MEDICAL,CONFIDENTIALITY,PROTECTED,STATE,CASE,THE DEFENDANT,APPEARS,TRIAL,SCHEDULED,APPEAR,THE COURT,FIND,GOOD CAUSE,CONTINUANCE,THE ACTION,WITHOUT PREJUDICE,NOTWITHSTANDING,INSTANCE,COSTS,TRANSPORTATION,FILES,INITIATES,ARBITRATION,LEGAL PROCEEDINGS,SUBMITTED,MUST,TESTIMONY,THE SOURCE,AUTHENTICITY,INCLUSION,TEXT,CUSTODIAN OF RECORDS,REPRESENTATIVE,COMPANY,THE WAY,KEPT,ORDINARY COURSE OF BUSINESS,PENALTY,PERJURY,THE LAWS,RECORD,ORDINARY,MANNER,SERVICE OF PROCESS,DETAILING,THE GOOD,FAITH,STEPS,TAKEN,SERVE,FORTH,THE SUMMONS,COMPLAINT,THE CURRENT,GOOD FAITH EFFORT,CURRENT,SEEKS,ENTER,DEFAULT JUDGMENT,LEVY,EARNINGS,WITHHOLDING,LIEN,OFFICER,FOLLOWING ON,THE JUDGMENT,INVALID,WRIT OF EXECUTION,NOTICE,LISTING,INSERT,STATUTE,THE LIST,EXEMPTION,CLAIM,FINANCIAL STATEMENT,FOR ANY,DESIGNATED,EMPLOYER,EMPLOYEE,WHOSE,ARE TO,ORDER,EMPLOYERS,RETURN,FINANCIAL INSTITUTION,CUSTOMER,ASSETS,THE ORDER,THE FINANCIAL,OFFICE,COUNTY,REAL ESTATE,OFFICES,INFORMS,SIMPLE,TERMS,THE PROCEDURE,COLLECTED,SHOULD,MANNER OF,COMPUTING,ABLE,KEEP,PROVES,NECESSARY,SUPPORT,WISHES,COURT HEARING,SERVICE,IN PERSON,SERVICE 7,THE STANDARDS,THE CASE,INDIVIDUALS,WITH RESPECT TO,EQUAL TO,SUM OF,ACTUAL DAMAGES,SUSTAINED,STATUTORY DAMAGES,FOR EACH,LESS THAN,FIVE HUNDRED,DOLLARS,GREATER THAN,TEN THOUSAND,CLASS,PATTERN,PRACTICE,DAMAGES,THE CLASS,THE ATTORNEY,GENERAL,THE AUTHORITY,INVESTIGATE,COMPLAINTS,REVIEWS,COMPLIANCE,ENFORCE,LIABILITY,DETERMINING,CONSIDER,FACTORS,THE FREQUENCY,PERSISTENCE,RESOURCES,WAIVER,PROVISIONS,CONTRARY,PUBLIC POLICY,VOID,UNENFORCEABLE,TO EACH,FEDERAL LAWS,SEVERABILITY,SEVERABLE,PHRASE,CLAUSE,SENTENCE,REGULATION,THE REMAINDER,SECTION 5,EFFECTIVE DATE,XXXX,SHARE,RELATED,MATERIALS,PROGRESS,RIGHTS,REPORT,CONNECTICUT AVENUE NW,SUITE,WASHINGTON DC,FACEBOOK,