Department Two Appeal from a judgment of the Superior Court of the city and county of San Francisco, and from an order refusing a new trial. COUNSEL: The appeal to the Superior Court suspended the judgment of the Justice's Court for all purposes. (Knowles v. Inches , 12 Cal. 213; Woodbury v. Bowman , 13 Cal. 635; People v. Frisbie , 26 Cal. 135; People v. Treadwell , 66 Cal. 400; McGarrahan v. Maxwell , 28 Cal. 91; McGarrahan v. New Idra Mining Co. 49 Cal. 331; Thornton v. Mahoney , 24 Cal. 569.)

(a) A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer possesses the following information: (1) That the debt buyer is the sole owner of the debt at issue or has authority to assert the rights of all owners of the debt. (2) The debt balance at charge off and an explanation of the amount, nature, and reason for all post-charge-off interest and fees, if any, imposed by the charge-off creditor or any subsequent purchasers of the