California Debt Collection Law Update: Understanding the Expanded Scope of the Rosenthal Act

Andrew K. Alper | Frandzel Robins Bloom & Csato

Andrew K. Alper is a Vice President and shareholder at the firm who specializes in representation of all lenders and secured creditors with a large concentration of clients in the equipment leasing and real and personal property secured transactions areas. Andrew’s practice includes litigation, documentation, insolvency, transactional matters and all matters affecting lenders and lessors except for tax related matters.

He has written numerous articles for a variety of equipment leasing and lending periodicals—including as a standing columnist for The Monitor and has written for the Equipment Leasing Association of America, the National Association of Equipment Lessors, the Independent Bankers Association among others. Andrew also asked to and published the chapter on Equipment Leasing in a California Continuing Education of the Bar publication entitled “Forming and Protecting California Business.”

Andrew has spoken at various conferences and presentations around 100 times over the last 38 years.

Hal D. Goldflam | Frandzel Robins Bloom & Csato

Hal is a shareholder at the firm, and his practice focuses on business and commercial litigation at the trial and appellate levels. An experienced litigator, trial and appellate attorney, Hal regularly represents banks and other financial institutions, including equipment lessors, in the area of commercial and general business litigation, creditor’s rights, secured transactions, banking law, real estate, fraud, and in the defense of lender liability claims.

Hal has represented court-appointed receivers in many large-scale fraud cases brought by the Federal Trade Commission and the Securities and Exchange Commission and has represented court-appointed receivers in numerous criminal actions brought by the California Attorney General. He also has extensive experience handling eminent domain matters, private construction contract disputes, real property disputes, and tort-related matters. Hal routinely advises clients regarding general liability and other insurance coverage issues.

In 2025, Lawdragon selected Hal to its 500 Leading Litigators in America guide.

I. Expanded scope of the RFDCPA | 1:00pm – 1:10pm

II. Prohibited collection practices | 1:10pm – 1:20pm

III. Procedural and disclosure requirements | 1:20pm – 1:30pm

IV. Judicial proceedings and venue rules | 1:30pm – 1:40pm

V. Identity theft claims and investigative duties | 1:40pm – 1:50pm

VI. Remedies, liability, and cure opportunities | 1:50pm – 2:00pm