HERNANDEZ,ATLANTIC,FINANCE,DOCKET,CAL APP,VIRGINIA HERNANDEZ,PLAINTIFF,FINANCE COMPANY,LOS ANGELES,DEFENDANTS,COURT OF APPEALS OF CALIFORNIA,DISTRICT,DIVISION FOUR,APRIL 24,ATTORNEY,THE CASE,BOLD,COUNSEL,KENYON,RICHARD,PAUL,JOSEPH GARCIA,ROGER DICKINSON,KATHLEEN,DOYLE,LAURA,AMICI CURIAE,BEHALF,WIESE,ALVIN,OPINION,WOODS J,APPEAL,WE ARE,DECIDE,WHETHER,USED CAR,ARRANGING,PURCHASE,AUTOMOBILES,AUTOMOBILE,SALES,FINANCE ACT,CODE,THE SALE,ISSUE,THE METHOD,AUTOMOTIVE,ENGAGED,HERE,PROVISIONS,THE ACT,SUIT,THE GENERAL,PUBLIC,AUTO,PLAINTIFFS,COMPLAINT,DEFENDANT,MOTOR VEHICLES,CONTACTS,DETERMINE,TERMS,CREDIT,CUSTOMERS,ASSISTS,LOANS,LENDS,MONEY,WRITING,PERSONAL LOAN,RATHER,CONDITIONAL,SALES CONTRACT,TAKES,SECURITY,FURNITURE,PERSONAL,ADDITION,THE AUTOMOBILE,THE COMPLAINT,LEVERING ACT,ILLEGAL,UNFAIR BUSINESS PRACTICE,SECTION,CIVIL CODE,CLASS,TOOLTIP,HREF,VIOLATED,MAXIMUM,INTEREST RATE,AGENCY,REQUIREMENT,ELEMENTS,TRANSACTION,DOCUMENT,SECURITY INTEREST,RETAINED,THE P,STYLE,TEXT ALIGN,RIGHT,FONT SIZE,FONT WEIGHT,AUTHORIZATION,ASSERT,DEFENSES,THE SELLER,ALLOWANCE,REDEMPTION,PERIOD,REPOSSESSION,COURT TRIAL,JUDGMENT,CODE OF CIVIL PROCEDURE,THE COURT,UNFAIR,SCHEME,DESIGN,CONSUMERS,RIGHTS,PERSONAL PROPERTY,BROKERS,LAW,INJUNCTION,EFFECTIVE,JANUARY 1,COMPREHENSIVE,PROTECTION,MOTOR VEHICLE,CONSUMER,SOON,ENACTMENT,CALIFORNIA SUPREME COURT,THE OBVIOUS,PURPOSE,STATUTE,PROTECT,CHARGES,FULL DISCLOSURE,COST,CITATION,CONTRACT,CONFORM,UNENFORCEABLE,BUYER,PAYMENTS,RECOVER,HTTP,LEGAL,API PHP,ACTION,SUPREME COURT OF CALIFORNIA,BANK,ITALICS,ORIGINAL P,INTER ALIA,ECONOMIC,HAZARDS,THE ASSEMBLY,INTERIM COMMITTEE,FINANCE AND INSURANCE,COURTS,PREVALENT,TRI CITY,CREDIT BUREAU,BRIMMER,DIVISION ONE,FOSTER,MASTERS,PONTIAC,DIVISION THREE,LINCOLN MERCURY,LINDSEY,SHALL,DISCLOSE,DETAILS,COMPLETE,COSTS,THE MOTOR,VEHICLE,EIGHTEEN,DISCLOSURE,MUST,DAYS,WRITTEN,NOTICE,INTENT,DISPOSE,RECOVERY,DEFICIENCY JUDGMENT,LENDER,ONLY IF,REQUIREMENTS,THE CONTRACT,ACCELERATION,TOTAL BALANCE,SUBJECT TO,EQUITIES,NOTWITHSTANDING,AGREEMENT,TO THE CONTRARY,LIMITS,TAKEN,LIEN,REAL,BELOW,CONTEND,TRANSACTIONS,DO NOT,VIRTUE,NOTHING,CHAPTER,AFFECT,LOAN,FINANCIAL,ORGANIZATION,CONNECTION,THAT THAT,PRIVATE,SELLER,POSITION,BE TO,ACCEPT,CONSTRUCTION OF,EXEMPTION,STANDING,INSTITUTE,PROCEEDINGS,DEMURRERS,SUMMARY JUDGMENT,FILED,CHALLENGE,SUBJECT,LAWSUIT,PLEADINGS,EVIDENCE,PRESENTED,TRIAL,NEITHER,ATTEMPT,BUSINESS,THE ACTION,NOT RESOLVED,THE CONCLUSION,EXECUTED,FINDINGS,FACT,CONCLUSION,NUMBER 5,FINDS,REACH,THE QUESTION,THE BUSINESS,STANDING TO SUE,NO DECISION,REACHED,THE TRIAL,COURT,APPEARS,CONTENTION,WE DO,THRESHOLD,MATTER,WERE TO,DAMAGED,NEED TO,ADDRESS,CAUSE,WASTEFUL,JUDICIAL,RESOURCES,RESOLUTION,REACHING,VIOLATION,ORDERING,IDLE,RENDERING,OPINIONS,FUNCTIONS,JURISDICTION OF,YOUNGER,SUPERIOR COURT,MACK,GOVERN,UNFAIR COMPETITION,FRAUDULENT,PROSECUTED,THE ATTORNEY,GENERAL,DISTRICT ATTORNEY,CITY ATTORNEY,NAME,THE PEOPLE OF THE STATE OF,CALIFORNIA,BOARD,OFFICER,PERSON,CORPORATION,ASSOCIATION,ACTING,ITSELF,ARGUE,NUMBER,PERSONS,SEEK,PREVENT,TRADITIONAL,CONCEPTS,READ INTO,POINT,CASES,SUING,ATTORNEY GENERAL,ENJOINED,RESEARCH,FAILED,READ,THE INSTITUTION OF,LEGISLATURE,ACTING IN,PRIVATE ATTORNEY GENERAL,CONFUSED,DAMAGE,THE REPRESENTATIVE,PEOPLE,PACIFIC,PAGE,THE SUPREME COURT,EXPLAINED,BY THE PEOPLE,RELIEF,CIVIL,THE PUBLIC,BENEFIT,PARTIES,VIOLATIONS,FOOTNOTE,THEORIES,FRAUD,BREACH OF CONTRACT,RELIANCE,ACTUAL DAMAGES,ON THE OTHER HAND,THE VIOLATION OF,NECESSARY,JUSTIFY,MERCHANTS,COLLECTION,ASSN,PREDECESSOR,BUS,PROF,IDENTICAL,LANGUAGE,CLEAR,COMPETITORS,FINAL CLAUSE,MEMBER,GENERALLY,CONCERNED,EVIL,COMPETITIVE,ADVANTAGE,CERTAINLY,CIRCUMSCRIBED,THE CLASS,THE LANGUAGE,DICTUM,AS IT,INSTRUCTIVE,THE SCOPE,LEGISLATIVE HISTORY OF,MANNER,INTERPRETED,INTENTION,CIRCUMSCRIBE,ONES,INSTANT,SUMMARY,THE FACTS,TESTIFIED,OCTOBER 1975,MOTHER,LOOKING,INTEREST,IN A CAR,SALESMAN,MARIO,TEST DRIVE,APPLICATION,VIRGINIA,THAT TIME,MOTHERS,INCOME,OF 10,MONTH,MOTEL,MANAGEMENT,APARTMENT,WELFARE BENEFITS,THE WITNESS,WANTED,LOOK,BE IN,TOUCH,THE NEXT,MORNING,HAD GONE,ASKED,TO COME,SIGN,PAPERS,SURE,THE CAR,TALK TO HER,CALL,HOUR,PICK UP,GOING TO,CLOSE,THE PLACE,HAD TO,TRANSPORTATION,PICK,AUTO DEALERSHIP,SIGNED,GO TO,EMPLOYEES,DOCUMENTS,PINEDA,THE VEHICLE,SUBSEQUENTLY,THE INTENDED,TESTIMONY,THE RECORD,FACTS,ANSWERS,REQUESTS FOR ADMISSIONS,THE TESTIMONY,DAGOBERTO,THE DECLARATION,ROOF,PRESIDENT OF,BROKER,EAST LOS ANGELES,DEFINED,DOING BUSINESS AS,USED CAR DEALER,TIMES,CONTACT,AUTO DEALER,CHECK,PAYABLE,FULL,PRICE,LESS,DOWN PAYMENT,GOVERNED,EXCEED,AMOUNT,TANGIBLE PERSONAL PROPERTY,THE EVENT,DEFAULT,PERCENT,SOLD,PERSONAL LOANS,COMPANIES,THE DECISION,SELL,LENDING,INSTITUTION,SEND,CREDIT WORTHINESS,VERY SMALL,QUALIFY,AT ALL,PROPERTY,SUBMITS,APPLICATIONS,HAND,DRIVEN,DISCUSSION,IN EXCESS,BY LAW,NATURE,PREVIOUSLY,OUT IN,SUBDIVISION,COVERAGE,ENACTED,COVER,CREDIT UNION,SOPHISTICATED,NAIVE,THE VICTIM,EVILS,DISCUSSED,INTERIM,FINANCE COMMITTEE,REPORT,SUPRA,INVOLVED,LONG TERM,PAYMENT,TRUE THAT,BROAD,ENOUGH,ABSTRACT,SCRUTINY,INTERPRETATION,VIRTUALLY,IMPOTENT,READ