Date: 10/11/2017

Washington Consumer Protection Deskbook
1st Edition, October 2017
Editors: Beth Terrell and Erika Nusser

WSAJ's Washington Consumer Protection Deskbook will provide attorneys with any level of experience a valuable tool to consult in all stages of litigation.

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The Civil Rights Deskbook will be sold to WSAJ Plaintiff Members Only - By Ordering this deskbook, you declare that the majority of your law practice is devoted to representing plaintiffs and you will not use the information provided at this CLE to advance the defense of a tort claim nor assist insurance defense in opposing the rights or interests of injured or disabled persons.

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Editors-in-Chief
Erika L. Nusser
Beth E. Terrell
 

Associate Editors
Blythe Chandler
Jennifer Rust Murray
Annika B.K. Perkins

 

Chapter Authors
Elizabeth A. Adams
Paul Arons
Adam Berger
Leslie Brueckner
Blythe Chandler
Brendan W. Donckers
Amy N.L. Hanson
Cynthia J. Heidelberg
Christina Henry
Daniel F. Johnson
Scott M. Kinkley
David Leen
Boyd Mack Mayo
Kirk D. Miller
Jennifer Rust Murray
Erika L. Nusser
Annika B.K. Perkins
Mary B. Reiten
Shannon Smith
Matthew J. Zuchetto
 

Table of Contents

CHAPTER ONE: THE ELEMENTS OF A CPA CLAIM

            I.          UNFAIR OR DECEPTIVE ACTS OR PRACTICES

            II.        TRADE OR COMMERCE

            III.       PUBLIC INTEREST IMPACT

            IV.       CAUSATION

            V.        INJURY

CHAPTER TWO: WHO MAY SUE AND BE SUED UNDER THE CPA

            I.          STANDING

            II.        INDIVIDUAL LIABILITY

            III.       AIDING AND ABETTING

            IV.       CONSUMER V. BUSINESS

            V.        EMPLOYEES AND EMPLOYERS

            VI.       EXTRATERRITORIAL APPLICATION OF THE CPA

CHAPTER THREE: PREDATORY LENDING

            I.          USURY

            II.        COLLECTION AGENCY ACT

            III.       DEBT ADJUSTING ACT

            IV.        PAY DAY LENDERS

            V.       CONSUMER LOAN ACT

            VI.     MORTGAGE BROKERS PRACTICES ACT

            VII.    DISTRESSED PROPERTY CONVEYANCES ACT

            VIII.   REK FORFEITURE STATUTE

CHAPTER FOUR: FORECLOSURE

            I.          NONJUDICIAL FORECLOSURE AND THE DEED OF TRUST ACT

            II.        FORECLOSURE FAIRNESS ACT

            III.       LOAN MODIFICATIONS AND OTHER LOSS MITIGATION ALTERNATIVES TO
                       FORECLOSURE

            IV.       JUDICIAL FORECLOSURE AND THE JUDICIAL FORECLOSURE ACT

CHAPTER FIVE: OTHER WASHINGTON CONSUMER PROTECTION STATUTES

            I.          BUSINESS INVESTMENT STATUTES

            II.        TIME SHARE AND CAMPING CLUB STATUTES

III.       “ROBOCALLING”: TCPA, 47 U.S.C. § 227; WADAD, RCW 80.36.400

CHAPTER SIX: THE ATTORNEY GENERAL’S OFFICE CONSUMER PROTECTION DIVISION

            I.          OVERVIEW OF THE ATTORNEY GENERAL’S OFFICE

            II.        CONSUMER PROTECTION DIVISION

CHAPTER SEVEN: DEFENSES

            I.          INTRODUCTION

            II.        DEFENSES ALLEGING NO BREACH

            III.       WAIVER AS A DEFENSE

            IV.       DEFENSES TO PER SE VIOLATIONS

            V.        FEDERAL PREEMPTION

            VI.       EXEMPTIONS FROM THE CPA

            VII.     NO DAMAGES

CHAPTER EIGHT: REMEDIES UNDER THE CPA

            I.          INJURY V. DAMAGES

            II.        INJUNCTIVE RELIEF

            III.       ACTUAL DAMAGES

            IV.       TREBLE DAMAGES

            V.        ATTORNEY’S FEES

            VI.       ARE STATUTORY DAMAGES ENOUGH?

CHAPTER NINE: PROCEDURAL CONSIDERATIONS

            I.          HOW TO PLEAD

            II.        ARBITRATION

            III.       DISCOVERY

            IV.       CLASS CERTIFICATION

            V.        WHEN TO NOTIFY THE ATTORNEY GENERAL

            VI.       JURY V. BENCH TRIALS

            VII.     CR 68 OFFERS

            VIII.    CONFIDENTIAL SETTLEMENT AGREEMENTS

            IX.       ATTORNEY’S FEES AND COSTS

CHAPTER TEN: COLLECTION AND BANKRUPTCY ISSUES

            I.          AUTOMATIC STAY ISSUES

            II.        DISCHARGE VIOLATIONS

            III.       STATEMENT OF INTENTIONS

            IV.       BANKRUPTCY CLAIMS AND RES JUDICATA

            V.        WALLS V. WELLS FARGO-FDCPA, AND RESPA CLAIMS DURING BANKRUPTCY
                       AND POST PETITION

CHAPTER ELEVEN: ISSUES INVOLVING PLAINTIFF BANKRUPTCY FILINGS

            I.          DISCLOSURE OF POTENTIAL CAUSES OF ACTION

            II.        DISCHARGE AND NONDISCHARGEABILITY ISSUES

APPENDICES

            APPENDIX A: WASHINGTON CONSUMER PROTECTION ACT PER SE AND PUBLIC
            INTEREST STATUTES

            APPENDIX B: FEDERAL CONSUMER PROTECTION LAWS

            APPENDIX C: ELEMENTS OF A VIOLATION OF THE CONSUMER PROTECTION ACT

            APPENDIX D: SAMPLE ALLEGATIONS FOR CPA CLAIMS

            APPENDIX E: SAMPLE DISCOVERY AND ARBITRATION ISSUES

            APPENDIX F:  PROPOSED REVISIONS TO THE WESTERN DISTRICT OF WASHINGTON
                                    MODEL ESI AGREEMENT

            APPENDIX G: SAMPLE DATA PRESERVATION LETTER

            APPENDIX H: SAMPLE LIST OF DUTIES OF CLASS REPRESENTATIVES FOR INCLUSION
                                    WITH REPRESENTATION AGREEMENT

            APPENDIX I:  SAMPLE JURY INSTRUCTIONS