                  FOR PUBLICATION
  UNITED STATES COURT OF APPEALS
       FOR THE NINTH CIRCUIT

CATHERINE EVON,                        
               Plaintiff-Appellant,         No. 10-16615
               v.
                                             D.C. No.
                                           2:09-cv-00760-
LAW OFFICES OF SIDNEY MICKELL
and SIDNEY MICKELL,                          JAM-KJN
            Defendants-Appellees.
                                       

CATHERINE EVON,                        
                 Plaintiff-Appellee,
                                            No. 10-17836
                v.
                                              D.C. No.
JOHN N. DAHLBERG,
                          Appellant,      2:09-cv-00760-
                                             JAM-KJN
               and
                                              OPINION
LAW OFFICES OF SIDNEY MICKELL,
                       Defendants.
                                       
        Appeal from the United States District Court
            for the Eastern District of California
         John A. Mendez, District Judge, Presiding

                  Argued and Submitted
       February 16, 2012—San Francisco, California

                    Filed August 1, 2012

       Before: Betty B. Fletcher, John T. Noonan, and
              Richard A. Paez, Circuit Judges.

                            8469
8470   EVON v. LAW OFFICES OF MICKELL
       Opinion by Judge B. Fletcher;
        Dissent by Judge Noonan
             EVON v. LAW OFFICES OF MICKELL        8473




                      COUNSEL

Sergei Lemberg, Lemberg & Associates LLC, Stamford, Con-
necticut, for the plaintiff-appellant.

John N. Dahlberg, Dillingham & Murphy, LLP, San Fran-
cisco, California, for the defendants-appellees.
8474            EVON v. LAW OFFICES OF MICKELL
                           OPINION

B. FLETCHER, Circuit Judge:

   Both parties in this action appeal various rulings of the dis-
trict court’s summary judgment, class certification, attorney’s
fees, and sanctions orders. The principal issue is whether a
debt collector may send collection notices addressed to the
debtor, in “care of” the debtor’s employer. We conclude that
the answer is “no.”

   Defendant Law Offices of Sidney Mickell sent a debt col-
lection letter addressed directly to Plaintiff Catherine Evon in
“care of” her employer. Evon filed a class action lawsuit
alleging that Mickell’s act of sending letters “care of” the
class members’ employers violated the Fair Debt Collection
Practices Act’s prohibition on communication with third par-
ties. 15 U.S.C. § 1692c(b). She further alleged that the con-
tents of the letter violated the Act’s prohibition against “false,
deceptive, or misleading misrepresentation[s].” § 1692e.
Because Congress enacted the FDCPA to protect debtors from
abusive debt collection practices, id., and because we have
consistently interpreted the statute liberally to achieve that
objective, Mickell’s act of sending “care of” letters constitutes
a per se violation of the FDCPA. We therefore reverse the dis-
trict court’s denial of Evon’s class certification motion on that
issue and remand for further proceedings. We agree, however,
with the district court that the contents of the letter does not
violate the Act and we therefore affirm the district court’s
denial of Evon’s class certification motion in that regard.

                     I.   BACKGROUND

   Evon incurred a debt, which was assigned to Mickell for
collection. As part of Mickell’s collection efforts, a debt col-
lector contacted Evon at home on several occasions. During
a phone call between Evon and one of Mickell’s debt collec-
tors, Evon asked that she not be contacted at work. Nonethe-
               EVON v. LAW OFFICES OF MICKELL           8475
less, either intentionally or by mistake, Mickell sent a debt
collection letter to Evon’s place of employment. The mailing
address read:

    Catherine Evon PERSONAL AND
                    CONFIDENTIAL
    C/O Homeq Servicing
    4837 Watt Ave #100
    North Highlands CA, 95660

  One line below the mailing address read:

    Creditor: CACH, LLC Our File Number:
    xxxxxxxxxxxxxxxxx
    Original Creditor: Maryland National Bank
    Original Account Number: xxxxxxxxxxxxxxx
    Balance: $xxxx.xx

   The letter was placed in a window-style envelope and it is
unclear whether a viewer could see this debt-related informa-
tion.

  The return address on the envelope read:

    Law office of Sidney H. Mickell
    5050 Palo Verde St., Ste. 113
    Montclair, CA 91763

   The letter was opened and read by various individuals,
including people in the legal department, before it found its
way to Evon. Id. The letter stated that Evon owed a debt and
that failure to pay could result in legal action. Id.

   On March 18, 2009, Evon filed suit alleging violations of
the FDCPA. On July 13, 2009, Evon filed an amended class
action complaint alleging that (1) Mickell’s act of sending
debt collection letters to the class members’ workplaces was
unlawful; and (2) the content of the letters violated the
8476             EVON v. LAW OFFICES OF MICKELL
FDCPA because they included language that was false, mis-
leading, deceptive or threatening.1 Evon moved for partial
summary judgment on the issue of liability and also moved
for class certification. Mickell moved for summary judgment
on all of Evon’s claims and opposed the motion for class cer-
tification.

   The district court denied Evon’s motions for partial sum-
mary judgment and class certification. The district court
granted Mickell’s motion for summary judgment on the class
claims finding that neither Mickell’s act of sending letters to
the plaintiffs’ workplaces nor the content of the letters vio-
lated the FDCPA. But the district court denied summary judg-
ment on the issue of whether Mickell violated the FDCPA by
sending a letter to Evon’s workplace, finding that fact issues
existed as to whether the letter was sent in error.

  After the district court rendered its decision, Evon accepted
Mickell’s Rule 68 offer of judgment on her individual claim.
Pursuant to the judgment, Evon filed an application for attor-
ney’s fees and the district court held a hearing on the motion.
Evon sought more than $90,000 in attorney’s fees and costs
and the district court awarded her $2,301.95. Evon timely
appeals.

                      II.   JURISDICTION

  We begin by determining whether we have jurisdiction
over Evon’s appeal of the district court’s summary judgment
and class certification rulings.

  Mickell first argues that there is no appellate jurisdiction
over the district court’s partial summary judgment rulings
  1
   The amended class action complaint also alleged a violation of the
Rosenthal Fair Debt Collection Practices Act but Evon voluntarily with-
drew that count and one of the FDCPA counts. In addition, Evon withdrew
her claim for actual damages.
               EVON v. LAW OFFICES OF MICKELL              8477
because those rulings did not dispose of the entire case. While
it is true that “orders granting partial summary judgment,
because they do not dispose of all claims, are not final appeal-
able orders under section 1291,” Cheng v. Comm’r, 878 F.2d
306, 309 (9th Cir. 1989), Evon does not argue that appellate
jurisdiction arose after the district court’s partial summary
judgment rulings, but rather after the district court entered
final judgment.

   Mickell’s next argument is that there is no appellate juris-
diction because the district court’s judgment did not “incorpo-
rate or refer to the partial summary judgment rulings.” There
is no requirement that the judgment must incorporate prior
rulings to be considered final. This circuit takes a “pragmatic
approach to finality in situations where events subsequent to
a nonfinal order fulfill the purposes of the final judgment
rule.” Dannenberg v. Software Toolworks, Inc., 16 F.3d 1073,
1075 (9th Cir. 1994). In this case, a final judgment was
entered on July 15, 2010, disposing of all the claims between
the parties. “There is no danger of piecemeal appeal . . . if we
find jurisdiction here, for nothing else remains in the federal
courts.” Anderson v. Allstate Ins. Co., 630 F.2d 677, 681 (9th
Cir. 1980).

   [1] Mickell’s final jurisdictional argument is that by volun-
tarily dismissing her claims after the district court denied
class certification, Evon extinguished her personal interest in
the litigation, and therefore, no justiciable controversy
remains to be heard on appeal. We recently considered this
argument in Narouz v. Charter Communications. 591 F.3d
1261 (9th Cir. 2010) (addressing “the issue of whether a class
representative who voluntarily settles his or her individual
claims in a putative class action renders an appeal from a
denial of class certification moot.”). There, the court consid-
ered two prior Supreme Court cases, United States Parole
Commission v. Geraghty, 445 U.S. 388 (1980), and Deposit
Guaranty National Bank, Jackson Mississippi v. Roper, 445
U.S. 326 (1980), that discussed a related question: whether a
8478            EVON v. LAW OFFICES OF MICKELL
named plaintiff retained jurisdiction to appeal a denial of class
certification after his or her claims involuntarily expired. Id.
at 1264. Geraghty and Roper reasoned that in such cases, the
class representative’s ability to appeal the adverse class certi-
fication ruling depends on whether he or she maintains a per-
sonal stake in obtaining class certification defined as “an
interest in spreading litigation costs and shifting fees and
expenses to the other litigants with similar claims.” Id.;
accord Pitts v. Terrible Herbst, 653 F.3d 1081, 1090 (9th Cir.
2011) (noting that if the district court has denied class certifi-
cation the class representative may nonetheless retain “either
an individual economic interest in ‘shift[ing] part of the costs
of litigation to those who will share in its benefits if the class
is certified and ultimately prevails’ or a private-attorney-
general-like interest in having a class certified if the require-
ments of Rule 23 are met.”) (citations omitted). Our opinion
in Narouz extended this principle to cases where the “class
representative voluntarily settles his or her individual claims.”
Id. (emphasis added). We explained that in order to retain a
“personal stake” in the class certification ruling, a named
plaintiff cannot contract away “any and all interests he or she
may have had in class representation through a private settle-
ment agreement.” Id. (citing Toms v. Allied Bond & Collec-
tion Agency, Inc., 179 F.3d 103, 105-06 (4th Cir. 1999)
(holding that the class representative had maintained no inter-
est in a case where he expressly relinquished “any and all”
claims “of any kind or nature whatsoever he may have indi-
vidually” in addition to “any claims for attorney’s fees, costs,
or compensation as class representative, [and any claims] he
may have as a member/representative of the putative class”)).
Conversely, “a settlement agreement that specifically pro-
vides that the class representative is solely releasing individ-
ual claims may permit the class representative to retain a
‘personal stake’ in the class claim.” Id. (citing Richards v.
Delta Air Lines, Inc., 453 F.3d 525, 529 (D.C. Cir. 2006)
(holding that the named plaintiff maintained a personal stake
when the settlement agreement released the defendant of “any
               EVON v. LAW OFFICES OF MICKELL                 8479
and all individual claims that she might have” which were not
“in derogation of . . . Plaintiff’s class claim”)). Whether we
have jurisdiction over Evon’s claim, therefore, turns on the
language of her settlement agreement.

  Evon signed a Rule 68 offer of judgment that states:

    Defendants Law Office of Sidney Mickell and Sid-
    ney Mickell, Esq. (“Defendants”) hereby offer to
    allow judgment to be taken against them pursuant to
    Federal Rule of Civil Procedure 68 as follows:

      1. Judgment in favor of Plaintiff and against
    both Defendants, inclusive, in the total amount of
    $1,010.99 (one thousand ten dollars and ninety nine
    cents).

       2. The reasonable recoverable costs of the action
    now accrued as determined by the Court, together
    with a reasonable attorney’s fee incurred through the
    date of this offer, as determined by the Court and
    including those fees and costs reasonably necessary
    to establish the amounts of the reasonable recover-
    able costs and reasonable attorney’s fee pursuant to
    15 USC § 1692k(a)(3).

       This offer is not a concession or admission of lia-
    bility on the part of defendants, or an admission or
    concession that Plaintiff has any damages. Defen-
    dants also do not concede or admit that Plaintiff has
    a right to appeal any prior ruling of this Court if she
    accepts this offer.

   [2] While the language of the offer of judgment does not
include an express reservation of Evon’s right to pursue an
appeal on behalf of the class, it is not so broad that it can be
read to release her class claims. In cases where courts have
found that a plaintiff has bargained away the right to appeal
8480            EVON v. LAW OFFICES OF MICKELL
the class certification ruling, the language of the settlement
agreement has made explicit reference to the class claims,
thus clearly supporting that conclusion. Cf. Sanford v. Mem-
berWorks, Inc., 625 F.3d 550, 557 (9th Cir. 2010) (dismissing
class representative who relinquished “ ‘all claims, . . .
whether class, individual, or otherwise, including any claim
for costs, expenses, pre or post judgment interest, penalties,
fees (including attorneys’ fees, expert fees and consulting
fees) . . . for any kind of relief whatsoever (including injunc-
tive relief, monetary relief, damages, punitive damages, resti-
tution, reimbursement, disgorgement, and economic injury)’ ”
in settlement agreement); Toms v. Allied Bond & Collection
Agency, Inc., 179 F.3d 103, 105-06 (4th Cir. 1999) (holding
that plaintiff released both individual and class claim in settle-
ment agreement that “expressly relinquished ‘any and all’
claims ‘of any kind or nature whatsoever he may have indi-
vidually . . . [and] ‘any and all’ monetary claims ‘including
any claims for attorney’s fees, costs, or compensation as class
representative, he may have as a member/representative of the
putative class, which in any way are related to or arise from
those matters pleaded’ in this litigation.”); Dugas v. Trans
Union Corp., 99 F.3d 724, 728-29 (5th Cir. 1996) (finding
lead plaintiff relinquished individual and class claims where
settlement expressly referred to the class certification denial
and plaintiff agreed to dismiss the entire “action” without any
reservation of the right to appeal). When we compare Evon’s
agreement with the agreements in Sanford, Toms, and Dugas,
we find that it is not an unqualified release of her class claims.
Nowhere in the agreement is there a reference to “all claims”
and no mention is even made of the class claims or the class
certification ruling. Indeed, the agreement appears to contem-
plate that Evon will appeal, and if she does, preserves the
jurisdictional question.

  [3] Moreover, to the extent that the Rule 68 offer is ambig-
uous regarding whether Evon relinquished her class claims,
we apply general principles of contract law to determine the
meaning of the agreement. See Guerrero v. Cummings, 70
                EVON v. LAW OFFICES OF MICKELL                 8481
F.3d 1111, 1113 (9th Cir. 1995) (“[t]he usual rules of contract
construction apply to interpreting the terms of a Rule 68 set-
tlement offer. . .”) (internal quotation marks and citation omit-
ted). Thus, we may use the parol evidence doctrine to shed
light on the meaning of language in a contract. See
RESTATEMENT (SECOND) OF CONTRACTS §§ 212,
214(c) (1981) (stating that where the express terms of an inte-
grated agreement are ambiguous, the court may determine the
intended meaning of the contracting parties by considering the
situation and relations of the parties, the subject matter of the
transaction, preliminary negotiations and statements made
therein, and the course of dealing between the parties). Here,
our conclusion is further strengthened by comparing the lan-
guage of the original Rule 68 offer, which Evon rejected, with
the language of the agreement she ultimately accepted. The
first offer stated:

       Plaintiff’s acceptance of Defendant’s Offer of
    Judgment herein shall be deemed voluntary and shall
    operate as an express and complete release of any
    and all of Plaintiff’s individual claims and all class-
    based interests in this litigation. Plaintiff’s accep-
    tance of Defendant’s Offer of Judgment shall end
    this case . . .

       Plaintiff agrees to take no appeal, and to seek no
    reconsideration or further review in this Court, or in
    the Court of Appeals, or in the United States
    Supreme Court, of any and all ruling, Orders, or
    findings made as of the date of acceptance, or there-
    after, including but not limited to District Court’s
    June 2, 2010 rulings denying (1) plaintiff’s motion
    for class certification, her (2) motion for partial sum-
    mary judgment, her (3) motion to reopen discovery,
    (4) the granting of defendant’s motion for partial
    summary judgment . . .

Evon rejected this offer which explicitly released all of her
individual and class-based claims. Unlike the first offer, the
8482               EVON v. LAW OFFICES OF MICKELL
second offer, which she accepted, makes no mention of the
class-based claims and therefore, Evon cannot be said to have
contracted away these claims.

   Mickell argues that Evon could easily have preserved her
right to appeal by rejecting its offer of judgment. Instead,
Mickell argues, Evon chose to accept the Rule 68 offer. But
Evon’s choice should be understood in context: the district
court in this case had only partially granted Mickell’s motion
for summary judgment—Evon’s claim that Mickell violated
the FDCPA by sending a letter to her workplace was proceed-
ing to trial. At that point, her choices were: (1) go to trial; or
(2) accept the Rule 68 offer and then appeal the resulting final
judgment.2 With respect to her first choice, during the course
of the litigation, Evon abandoned her actual damages claim so
even if she went to trial and won, the maximum recovery
would be statutory damages which are capped at $1,000 plus
costs and attorney’s fees. The second offer was for just more
than $1,000. By acceptance, she could avoid the expense of
trial and the risk of recovering less than Mickell’s Rule 68
offer. If she failed to accept the offer, the consequence could
be no recovery of attorney’s fees and even being saddled with
Mickell’s costs.3 She chose to accept the second offer and
pursue an appeal of the district court’s rulings.
  2
     Evon alternatively could have sought leave to file an interlocutory
appeal of the district court’s denial of class certification. The decision
whether to grant leave to file an interlocutory appeal is, however, discre-
tionary, and “should be granted sparingly” and only in “rare cases.”
Chamberlan v. Ford Motor Co., 402 F.3d 952, 959 (9th Cir. 2005). If the
request for interlocutory appeal was denied, Evon would then have had the
same choices as before, but with the additional expense of having sought
interlocutory review. Instead, Evon pursued a reasonable course of action;
she preserved her class claims notwithstanding her acceptance of Mick-
ell’s second offer of judgment.
   3
     Under Rule 68, if a plaintiff rejects a defendant’s offer of judgment and
“the judgment finally obtained by the offeree is not more favorable than
the offer, the offeree must pay the costs incurred after the making of the
offer.” Fed. R. Civ. Proc. 68.
                 EVON v. LAW OFFICES OF MICKELL            8483
   [4] In light of the considerations outlined above, Evon’s
class claims remain subject to appellate review.

          III.   SUMMARY JUDGMENT RULINGS

  (A)     Standard of Review

   The panel reviews a grant or denial of summary judgment
de novo. Mark H. v. Hamamoto, 620 F.3d 1090, 1096 (9th
Cir. 2010). “Summary judgment is to be granted only if the
pleadings and supporting documents, viewed in the light most
favorable to the non-moving party, show that there is no gen-
uine issue as to a material fact, and the moving party is enti-
tled to judgment as a matter of law.” Legal Aid Servs. of
Oregon v. Legal Servs. Corp., 608 F.3d 1084, 1093 (9th Cir.
2010).

   In addition, the panel reviews a district court’s interpreta-
tion of the FDCPA de novo. Donohue v. Quick Collect, Inc.,
592 F.3d 1027, 1030 (9th Cir. 2010).

  (B)     Analysis

    (1)     “Care of” Letters to Debtors’ Employers

   Evon alleges that Mickell’s sending of debt collection let-
ters to class members’ places of employment without first
obtaining their consent violates section 1692c(b) of the
FDCPA.

  That section states:

    (b) Communication with third parties

           Except as provided in section 1692b of this
           title, without the prior consent of the con-
           sumer given directly to the debt collector,
           or the express permission of a court of com-
8484                EVON v. LAW OFFICES OF MICKELL
            petent jurisdiction, or as reasonably neces-
            sary to effectuate a postjudgment judicial
            remedy, a debt collector may not communi-
            cate, in connection with the collection of
            any debt, with any person other than the
            consumer, his attorney, a consumer report-
            ing agency if otherwise permitted by law,
            the creditor, the attorney of the creditor, or
            the attorney of the debt collector.

   [5] Notably absent from the list of individuals or entities
that a debt collector may communicate with is the debtor’s
employer. Under the plain language of this statute, a violation
occurs when a debt collector sends a letter to the debtor’s
place of employment absent consent.4 That much is clear. The
trickier question is whether sending a letter addressed to the
  4
    At the hearing on the motions, the district judge pressed Evon’s coun-
sel to point to the specific language of the statute that explicitly says that
sending a letter to a debt collector’s employer is always prohibited:
      The Court: . . .[Debtors] owed a debt and they got a letter that
      was sent to them at their place of employment, which in and of
      itself isn’t against the law; right? You’d agree with that? You can
      send a letter to a place of employment?
      [Evon’s counsel]: No, your Honor.
      The Court: You’re shaking your head no. You think sending a
      letter — tell me, because I looked at the statute. Where is a prohi-
      bition that says you can never send a letter to the employer?
      [Evon’s counsel]: Well, the prohibition is in 1692c(b).
      The Court: I’m looking at it. Tell me where it says a debt collec-
      tor can never send a letter to an employer, because I didn’t read
      that in the statute.
   Expressio unius est exclusio alterius is a fundamental principle of statu-
tory construction that the express designation of one thing may be prop-
erly construed to mean the exclusion of others not expressed. See Barnhart
v. Peabody Coal Co., 537 U.S. 149, 168 (2003). Being mindful of this
principle permits the conclusion that subsection (b) is an exhaustive list of
the categories of individuals with whom a debt collector may communi-
cate; a debtor’s employer is not on the list.
                   EVON v. LAW OFFICES OF MICKELL                      8485
debtor but using the debtor’s employer’s address constitutes
a violation.

   [6] Congress enacted the FDCPA in 1968 in response to
“abundant evidence of the use of abusive, deceptive, and
unfair debt collection practices by many debt collectors
[which] contribute to the number of personal bankruptcies, to
marital instability, to the loss of jobs, and to invasions of indi-
vidual privacy.” 15 U.S.C. § 1692(a). Congress intended the
Act to eliminate unfair debt-collection practices such as
embarrassing communications. The Senate Report explicitly
stated:

      Collection abuse takes many forms, including . . .
      disclosing a consumer’s personal affairs to friends,
      neighbors, or an employer . . .

Sen. Rep. No. 382, 95th Cong., 1st Sess. 2 (1977), reprinted
in 1977 U.S.C.C.A.N. 1695, 1696.

   [7] Given this court’s recognition that the FDCPA is a
remedial statute which should be interpreted “liberally,” Clark
v. Capital Credit & Collection Servs., Inc., 460 F.3d 1162,
1168 (9th Cir. 2006), Mickell’s act manifestly constitutes a
violation. Mickell knew or could reasonably anticipate that a
letter sent to a class member’s employer might be opened and
read by someone other than the debtor as it made its way to
him/her.5 This is exactly what happened to Evon, causing her
  5
    The dissent criticizes us for failing to provide “evidence” to support
our reasoning. The dissent overlooks a critical piece of evidence: the letter
sent to Evon’s employer, despite being marked “personal and confiden-
tial,” was opened and read by several people, including some in the com-
pany’s legal department.
   Judge Noonan then proceeds to rest his conclusion on his own experi-
ence. Dissent at 8508 (“Nothing in my experience suggests that [opening
letters sent to an employee in care of the employer’s address] is the rule
or common practice.”). When it comes to opening other people’s mail,
8486               EVON v. LAW OFFICES OF MICKELL
stress and embarrassment, precisely what the Act is designed
to prevent.

   Next, even if Mickell assumed that some debtors receive
mail at their place of employment, it is not reasonable for
Mickell to assume that all debtors’ mail so received remains
unopened and unseen before reaching the debtor. As a lawyer
in the business of debt collecting, Mickell should have known
of the real possibility that a letter to a debtor’s place of
employment, even one marked “Personal and Confidential,”
would be viewed by someone other than the debtor.

   Finally, the return address on the envelope was from the
“Law office of Sidney H. Mickell.” Any person handling
Evon’s mail would therefore know that Evon was receiving
legal mail, a fact many people would prefer be kept private.
Other than holiday greetings, correspondence from an attor-
ney’s office rarely relays good news and often communicates
information that can be embarrassing or even frightening to
the recipient. As the Senate Report noted, disclosing a con-
sumer’s personal affairs to his or her employer is a form of
collection abuse. The Act was explicitly intended to protect
consumers from these types of communications.

Judge Noonan’s experience is hardly relevant. He is not likely among the
class of persons to be sent a debt collection letter directly or “care of” his
employer. The demographic statistics of American debtors show that more
than 70% never graduated from college and well over half earned less than
$40,000 per year (the data’s sample is of bankruptcy filers). Institute for
Financial Literacy, 2010 Annual Consumer Bankruptcy Demographics
Report, A Five Year Perspective of the American Debtor, 11-12, Sept.
2011, available at http://www.financiallit.org/PDF/2010_Demographics_
Report.pdf (last visited June 4, 2012). Occupations of those whose median
annual wage is under $40,000 include food preparation workers, janitors,
clerical workers, and construction laborers. Bureau of Labor Statistics,
National Compensation Survey: Occupational Earnings in the United
States, 2010, Table 3, 3-26, 3-18-19, 3-23, 3-26, available at
http://www.bls.gov/ncs/ocs/sp/nctb1477.pdf (last visited June 4, 2012).
These workers likely have little say over their employers’ mail handling
practices.
               EVON v. LAW OFFICES OF MICKELL                8487
   The Federal Trade Commission (FTC) Commentary pro-
hibits this type of conduct. In its Staff Commentary, the FTC
states:

    Accessibility by third party. A debt collector may not
    send a written message that is easily accessible to
    third parties. For example, he may not use a comput-
    erized billing statement that can be seen on the enve-
    lope itself. A debt collector may use an “in care of”
    letter only if the consumer lives at, or accepts mail
    at, the other party’s address.

Staff Commentary, 53 Fed. Reg. 50097-02 (Dec. 13, 1988)
(emphasis added). Although not dispositive, the FTC’s Com-
mentary is illustrative of the types of permissible and imper-
missible conduct.

   Moreover, Mickell conceded that he had Evon’s home
address. He just didn’t want to use it. As he testified at his
deposition, Mickell “believed that a letter at work that is
received during the day when people were awake and when
people are in a business mode and my office is open, is more
conducive to a successful communication” with the debtor.
That may be true in some instances; perhaps some debtors
would prefer to receive debt collection letters or phone calls
at their place of employment. The Act allows debt collectors
to contact these debtors; the debtor however needs first to
give his or her consent. Mickell admitted that he had no prac-
tice or policy in place to inquire whether a debtor consents to
receiving mail at work. He took a chance that his conduct
would not run afoul of the Act. “[O]ne who deliberately goes
perilously close to an area of proscribed conduct [takes] the
risk that he may cross the line.” FTC v. Colgate-Palmolive,
Co., 380 U.S. 374, 393 (1965) (quoting Boyce Motor Lines,
Inc., v. United States, 342 U.S. 337, 340 (1952)). Here, Mick-
ell’s conduct crossed the line.

  Permitting debt collectors to send letters addressed to the
debtor in “care of” the debtor’s employer absent the debtor’s
8488              EVON v. LAW OFFICES OF MICKELL
consent would allow debt collectors to circumvent the protec-
tion inherent in section 1692c(b); it would also impermissibly
place the burden on the consumer to affirmatively contact the
debt collector to notify it that communications to third parties
are unacceptable. As Evon points out, if Mickell’s practice
was permissible, what would prevent Mickell or any debt col-
lector from sending debtors letters addressed to them “care
of” their parents, neighbors, friends, or relatives?

   [8] Because Mickell’s act constitutes a per se violation, the
district court erred in denying Evon’s motion for summary
judgment on the issue of liability.

      (2)   Content of the Letters

   [9] Evon next argues that the content of the letter violated
15 U.S.C. § 1692e which broadly prohibits the use by a debt
collector of “any false, deceptive, or misleading representa-
tion or means in connection with the collection of any debt.”

   The letter states, in its entirety:6

      Dear Ms. Evon:

      This office has attempted to avoid the costly and
      time consuming process of litigating the above-
      mentioned debt. Unfortunately, it appears that our
      efforts have failed.

      Because you have chosen to limit our alternatives in
      resolving Account Number xxxxxxxxxxxxxxxxx,
      California Code of Civil Procedure Section 1033,
      requires us to inform you of the fact that we intend
      to commence legal action against you in the Superior
  6
    Again, Evon asserts that all class members received the same or similar
letter.
           EVON v. LAW OFFICES OF MICKELL                8489
Court of the State of California, which could result
in a judgment against you.

California Code of Civil Procedure, Section 1033,
also requires us to inform you that such a judgment
awarded against you could not only include the prin-
ciple due, but pre-judgment interest, court costs, and
attorney fees as well.

According to California Law, a judgment
awarded against you among other things, could
result in remedies such as Wage Garnishments,
Bank Account Levies, or Attachments of your
assets, as well as accrue interest at the legal rate
of 10% per year.

Demand is hereby made for immediate payment of
the balance in full. Please make out your check, or
money order, in the amount of 6837.35 payable to
The Law Office of Sidney Mickell. We also accept
payments by Visa and Mastercard. In the event this
office does not receive your payment in full, or
another arrangement is accepted by my client, we
will assume that you have chosen litigation, and
whichever of the above-mentioned legal remedies
that are reasonable and appropriate, to be our only
alternative.

Sincerely,
/s
Sidney H. Mickell

BE ADVISED, THIS IS AN ATTEMPT TO COL-
LECT A DEBT BY A LEGAL DEBT COLLEC-
TOR. ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE. AS REQUIRED
BY LAW, YOU ARE HEREBY NOTIFIED THAT
A NEGATIVE CREDIT REPORT REFLECTING
8490            EVON v. LAW OFFICES OF MICKELL
    YOUR CREDIT RECORD MAY BE SUBMITTED
    TO A CREDIT REPORTING AGENCY IF YOU
    FAIL TO FULFILL THE TERMS OF YOUR
    CREDIT OBLIGATION.

   [10] “Whether conduct violates [§ 1692e] . . . requires an
objective analysis that takes into account whether ‘the least
sophisticated debtor would likely be misled by a communica-
tion.’ ” Donohue, 592 F.3d at 1030 (citation omitted). “The
objective least sophisticated debtor standard is ‘lower than
simply examining whether particular language would deceive
or mislead a reasonable debtor.’ ” Terran v. Kaplan, 109 F.3d
1428, 1431-32 (9th Cir. 1997) (citation omitted). Most courts
agree that although the least sophisticated debtor may be
uninformed, naive, and gullible, nonetheless her interpretation
of a collection notice cannot be bizarre or unreasonable. Wahl
v. Midland Credit Mgmt., Inc., 556 F.3d 643, 645 (7th Cir.
2009); see also Clomon v. Jackson, 988 F.2d 1314, 1319 (2d
Cir. 1993) (“[I]n crafting a norm that protects the naive and
the credulous the courts have carefully preserved the concept
of reasonableness.”); Campuzano-Burgos v. Midland Credit
Mgmt., Inc., 550 F.3d 294, 298 (3rd Cir. 2008) (“[T]he least
sophisticated standard safeguards bill collectors from liability
for ‘bizarre or idiosyncratic interpretations of collection
notices’ by preserving at least a modicum of reasonableness,
as well as ‘presuming a basic level of understanding and will-
ingness to read with care [on the part of the recipient].’ ”
(citation omitted)).

   Evon’s primary arguments are that, to the least sophisti-
cated debtor, the letter misstates that (1) judgment is inevita-
ble; and (2) the judgment will result in the taking of all wages
or assets.

   With respect to Evon’s first argument, she cites Schimmel
v. Slaughter, 975 F.Supp. 1357 (M.D. Ga. 1997) in support.
There, an attorney sent a collection letter that included the fol-
lowing language:
               EVON v. LAW OFFICES OF MICKELL               8491
    I have ordered papers for suit. After judgment is
    obtained, garnishment can be brought to satisfy judg-
    ment.

Id. at 1360.

   The court found that the most likely interpretation of the
unqualified statement “[a]fter judgment is obtained” is “that
a judgment against the debtor is a virtual certainty once suit
is filed.” Id. at 1363.

   [11] Here, the statement does not say that legal action “will
result in a judgment against you,” which would come much
closer to the language held by the court in Schimmel to appear
to be a “virtual certainty” but rather says that legal action
“could result in a judgment against you.” (Emphasis added).
Use of the conditional language in this instance is appropriate,
accurate, and not misleading.

  As to Evon’s second argument, she relies on Oglesby v.
Rotche, No. 93 C 4183, 1993 WL 460841 (N.D. Ill. Nov. 5,
1993). The statement at issue in that case was:

    THE COSTS OF THE LAWSUIT WILL BE
    CHARGED TO YOU, ALONG WITH STATU-
    TORY INTEREST. ONCE JUDGMENT HAS
    BEEN ENTERED, IT IS OUR INTENT TO PRO-
    CEED WITH COURT ORDERED ATTACHMENT
    AND GARNISHMENTS OF ALL WAGES, PROP-
    ERTY, AND OTHER FINANCIAL ASSETS, ALL
    AT ADDITIONAL EXPENSE TO YOU.

Id. at *4.

  The court rejected the debt collector’s argument that “all
wages, property, and other financial assets” could be reason-
ably understood to mean only “some wages, property, and
other financial assets” and that as written, the statement mis-
8492                EVON v. LAW OFFICES OF MICKELL
represented the breadth of the garnishment and attachment
statutes. Id. at *8.

   Here, Evon argues that the letter fails to include language
to make it clear that only a certain portion of a debtor’s wages
can be garnished7 and that certain types of property, specified
in Cal. Code. Civ. P. §§ 704.010, are exempt from judgment
executions and cannot be levied upon.8 Evon argues that here,
like the statement at issue in Oglesby, “garnishment of all
wages, levies of all bank accounts and/or attachment of all
assets is unavoidable once court action has been initiated —
an end result which could not lawfully happen.” But the state-
ment Evon complains of does not say “all” and her argument
is an attempt to read that word into the language of the letter.

   [12] Section 1692e prohibits only “false, deceptive, or mis-
leading” representations. While the letter could have included
additional clarifying language, we do not believe that the lan-
guage of the letter goes so far as to be considered false,
deceptive, or misleading. Accordingly, the district court did
not err in denying Evon’s motion for partial summary judg-
ment with respect to liability on this claim.

                  IV.    Class Certification Ruling9

  [13] Under Federal Rule of Civil Procedure 23, “[a] class
action may be maintained if two conditions are met: The suit
must satisfy the criteria set forth in subdivision (a) (i.e.,
  7
     Under California law, the maximum amount of earnings which may be
garnished in satisfaction of a judgment is generally limited to 25 percent.
15 U.S.C. § 1673(a).
   8
     Examples of exemptions include the homestead and specified maxi-
mum dollar amounts for certain assets (motor vehicles, furniture, etc.).
   9
     Because we have concluded that Evon’s § 1692e claim does not give
rise to liability, the district court’s refusal to certify a class based on a vio-
lation of those claims is moot. Because we conclude that Evon’s
§ 1692c(b) claim may proceed, we limit our discussion to whether the dis-
trict court erred in denying class certification of that claim.
                EVON v. LAW OFFICES OF MICKELL                 8493
numerosity, commonality, typicality, and adequacy of repre-
sentation), and it also must fit into one of three categories
described in subdivision (b).” Shady Grove Orthopedic
Assocs., P.A. v. Allstate Ins. Co., 130 S. Ct. 1431, 1437 (2010)
(internal quotation marks omitted).

  (A)     Standard of Review

   The decision to grant or deny class certification is within
the trial court’s discretion. Yamamoto v. Omiya, 564 F.2d
1319, 1325 (9th Cir. 1977). Thus, a district court’s order
denying a motion for class certification is reviewed for abuse
of discretion. Zinser v. Accufix Research Ins., Inc., 253 F.3d
1180, 1186 (9th Cir. 2001).

  (B)     Analysis

  The proposed class is defined as follows:

    All consumers to whom, according to Defendants’
    records, within one year prior to filing this action the
    Defendants sent a collection letter at their place of
    employment identical to or substantially similar to
    the letter sent to [Evon].

    (1)    Numerosity

  This requirement is met if the class is so large that joinder
of all members is impracticable. Fed.R.Civ.P. 23(a).

  The district court found that numerosity was satisfied
because there were 262 potential class members. Mickell does
not address this argument on appeal. The district court did not
abuse its discretion when it found this element satisfied.

    (2)    Commonality

  [14] This requirement is met if there are “questions of law
and fact common to the class.” Fed. R. Civ.P. 23(a). “Where
8494            EVON v. LAW OFFICES OF MICKELL
the circumstances of each particular class member vary but
retain a common core of factual or legal issues with the rest
of the class, commonality exists.” Parra v. Bashas’, Inc., 536
F.3d 975, 978-79 (9th Cir. 2008); see also Wal-Mart Stores
Inc., v. Dukes, ___ U.S. ___, 131 S. Ct. 2541, 2551 (2011)
(“What matters to class certification . . . is not the raising of
common ‘questions’—even in droves—but, rather the capac-
ity of a classwide proceeding to generate common answers
apt to drive the resolution of the litigation.”).

   The district court found that the commonality requirement
was “a close issue” but ultimately determined that fact ques-
tions existed that precluded finding it satisfied. The district
judge believed these fact questions were whether: (1) the
addresses on the letters were in fact business addresses; (2)
whether class members had consented to receiving debt col-
lection communications at their workplaces; (3) whether class
members had specifically requested that debt collection com-
munications not be sent to their workplaces.

   [15] The seminal issue in this case is whether Mickell vio-
lated the FDCPA when he sent debt collection letters
addressed to the debtor, but in “care of” the debtor’s
employer, without first obtaining consent. That claim is a
common contention among the class and “determination of its
truth or falsity” is pivotal to this lawsuit and is capable of
determination “in one stroke.” Wal-Mart, 131 S.Ct. at 2551.

   In   addition,     Wal-Mart      recently    clarified  that
“[c]ommonality requires the plaintiff to demonstrate the class
members ‘have suffered the same injury.’ ” Id. quoting Gen
Tel. Co. of Sw. v. Falcon, 457 U.S. 147, 161 (1982)). The
class members here have all suffered the same injury—they
received a debt collection letter at their place of employment
without first giving their consent, in violation of the FDCPA.

   As for the district court’s concerns regarding fact questions,
it is not clear that any individualized inquiry is necessary on
                EVON v. LAW OFFICES OF MICKELL               8495
this issue. Mickell conceded that he sent letters to debtors at
their places of employment. Evon asserts that the addresses on
the 262 letters are business addresses. If the letters were sent
to the debtor, “care of” a business address, in light of Mick-
ell’s admission, it is reasonable to assume that the 262 letters
were sent to the debtors’ workplaces. Even assuming that an
individualized inquiry is even necessary on this issue, it will
consist of a limited, straightforward factual determination that
would not preclude finding commonality.

   With regard to the argument that individual questions of
consent abound, this issue is a red herring. There is nothing
in the record that supports the district court’s finding that con-
sent may be an issue in the case. Mickell produced nothing
showing that certain class members had consented to receipt
of the letters at work.

   The district court’s concern over whether class members
had specifically instructed Mickell not to contact them at
work was also unfounded. The issue in this case is that Mick-
ell sent letters to class members’ workplaces without first
obtaining authorization. The class members do not have any
burden to show that they contacted Mickell and that he sent
a letter despite their request not to do so. While that may be
true for some class members, it is only peripherally relevant
to the critical issue in this lawsuit and therefore cannot defeat
the commonality inquiry.

   [16] This case presents the classic case for treatment as a
class action: that is, the commonality linking the class mem-
bers is the dispositive question in the lawsuit. It is not neces-
sary that members of the proposed class “share every fact in
common.” Rodriguez v. Hayes, 591 F.3d 1105, 1122 (9th Cir.
2010). Thus, the district court abused its discretion in finding
that commonality was not satisfied.

    (3)   Typicality

  [17] To demonstrate typicality, the putative class must
show that the named parties’ claims are typical of the class.
8496                  EVON v. LAW OFFICES OF MICKELL
Fed.R.Civ.P. 23(a)(3). “The test of typicality ‘is whether other
members have the same or similar injury, whether the action
is based on conduct which is not unique to the named plain-
tiffs, and whether other class members have been injured by
the same course of conduct.’ ” Hanon v. Dataproducts Corp.,
976 F.2d 497, 508 (9th Cir. 1992) (citation omitted).

   Mickell argued below and the district court agreed that the
typicality requirement is not satisfied because Evon’s claim is
subject to a unique bona fide error defense, specifically that
Evon explicitly instructed Mickell’s representative not to con-
tact her at work and that Mickell mailed the letter to her work-
place by accident.

   But Mickell does not qualify for the bona fide error defense
as a matter of law, and thus whether Evon’s claim is subject
to this affirmative defense cannot be a reason for finding that
the typicality requirement is not satisfied.

   [18] To be eligible for the bona fide error defense, Mickell
would have to show that (1) he violated the FDCPA uninten-
tionally; (2) the violation resulted from a bona fide error; and
(3) he maintained procedures reasonably adapted to avoid the
violation. McCullough v. Johnson, Rodenburg & Lauinger,
LLC, 637 F.3d 939, 948 (9th Cir. 2011). The record is clear
that Mickell intentionally sent letters to the workplaces of
putative class members and that he had no procedures in place
to discern a debtor’s consent prior to sending the letters.10
Thus, Mickell cannot avail himself of this affirmative defense.
See Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich,
LPA, 130 S.Ct. 1605, 1611-1612 (2010) (“[I]t is a fair infer-
ence that Congress chose to permit injured consumers to
  10
    At Mickell’s deposition, the following exchange occurred:
       [Questioner]: Is it a policy to ask [the debtors] directly, “Can we
       send you a letter at work?”
       Mickell: No.
                EVON v. LAW OFFICES OF MICKELL              8497
recover actual damages, costs, fees, and modest statutory
damages for ‘intentional’ conduct, including violations result-
ing from mistaken interpretation of the FDCPA.”); see also
Reichert v. Nat’l Credit Sys., 531 F.3d 1002, 1007 (9th Cir.
2008) (“A debt collector is not entitled under the FDCPA to
sit back and wait until a [mistake has been made] and then
institute procedures to prevent a recurrence.”). The district
court abused its discretion when it found a lack of typicality
based on this ground.

    (4)   Adequacy

   [19] The named plaintiffs must fairly and adequately pro-
tect the interests of the class. Fed.R.Civ.P. 23(a)(4). In mak-
ing this determination, courts must consider two questions:
“(1) do the named plaintiffs and their counsel have any con-
flicts of interest with other class members and (2) will the
named plaintiffs and their counsel prosecute the action vigor-
ously on behalf of the class?” Hanon, 150 F.3d at 1020.

  The district court found adequacy to be lacking and
believed this factor to be “particularly decisive” of the class
certification inquiry. The district court found that Evon was
not the “best representative” for the class, and that plaintiff’s
counsel was not qualified to represent the class.

   [20] As to the first issue, Mickell argues that because Evon
waived her actual damages claim, she is not an adequate class
representative. While Evon may have waived her actual dam-
ages claim, she is still able (and has) recovered statutory dam-
ages, fees and costs. That she has waived her actual damages
does not make her an inadequate representative; she still
maintains that the letter was sent to her employer in violation
of the FDCPA and thus shares an interest and injury with all
class members.

  [21] As to the district court’s second finding, there is noth-
ing in the record that supports the district judge’s conclusion
8498            EVON v. LAW OFFICES OF MICKELL
that Sergei Lemberg was not qualified to represent the class.
The judge viewed the case as an “attorney-driven action,” and
cited In re Hotel Telephone Charges, 500 F.2d 86, 91 (9th
Cir. 1974), for the proposition that because the only persons
likely to benefit from a class action in this case are class coun-
sel, a costly and time-consuming class action is hardly the
superior method for resolving the dispute.

    In re Hotel Telephone Charges involved an estimated 40
million class members that were allegedly defrauded by the
owners of 600 hotels across the country by paying surcharges
on their hotel room rates. Id. at 86-87. The court found that
the plaintiffs’ claims “raise[d] individual questions that could
require decades of litigation” including the type of misrepre-
sentation made and whether each individual plaintiff relied on
it. Id. at 89. Even assuming, the court said, that “only ten per-
cent of the unknown class members came forward with
claims, . . . approximately one hundred years would yet be
required to adjudicate the claims.” Id. The court found that
certifying a class would be unmanageable and would produce
“no real benefit” (about two dollars to an individual plaintiff)
to class members. Id. at 90-92.

   [22] This is not such a case. The FDCPA is a consumer
protection statute and was intended to permit, even encourage,
attorneys like Lemberg to act as private attorney generals to
pursue FDCPA claims. Moreover, plaintiffs have already ben-
efitted and will continue to benefit from this case. Mickell
admits that he has ceased his practice of sending letters to
debtor’s workplaces, a benefit to all class members. Further-
more, certifying the class will serve a “deterrent” component
to other debt collectors who are engaging, or consider engag-
ing in this type of debt collection tactic. Nor would recovery
be meaningless to the individual class members here, since
each would be eligible to receive the statutory maximum of
$1,000 in damages. In light of the FDCPA’s remedial goals,
these are important considerations and the district judge
abused his discretion by refusing to certify on this ground.
                EVON v. LAW OFFICES OF MICKELL              8499
   The district judge also faulted Lemberg for bringing the
class certification motion at the same time as the summary
judgment motion. Bringing a class certification motion
together with a Rule 56 motion is consistent with the Federal
Rules of Civil Procedure. See Vega v. Credit Bureau Enters.,
No. CIVA02CV1550DGTKAM, 2005 WL 711657 (E.D.N.Y.
March 29, 2005); In re Risk Mgmt. Alts., Inc., Fair Debt Col-
lection Practices Litigation, 208 F.R.D. 493 (S.D.N.Y. 2002);
Goldberg v. Winston & Morrone, P.C., No. 95 Civ. 9282,
1997 139526 (S.D.N.Y. March 26, 1997)). While Rule 23
does not require a district court to fully consider the merits of
the plaintiffs’ claims, addressing the merits of the claims in a
related summary judgment motion can have a substantial
bearing on the required Rule 23 determinations. Simulta-
neously filing motions for summary judgment and class certi-
fication is certainly acceptable. The district court abused its
discretion when it refused to certify for this reason.

   [23] In sum, the district court abused its discretion in con-
cluding that numerosity, commonality, typicality, and ade-
quacy were lacking in this case. Because the district judge did
not reach the Rule 23(b) factors, we remand for consideration
of whether any one of the Rule 23(b) factors is satisfied.

                    V.   Attorney’s Fees

  Pursuant to the Rule 68 offer Evon accepted, Mickell
agreed to pay Evon’s reasonable and necessary attorney’s fees
and costs, to be determined by the court. Evon sought $91,474
in attorney’s fees and $2,942 in litigation costs. Mickell
opposed the fees application, primarily arguing that the num-
ber of hours billed was unreasonable.

   The district judge recognized that Evon received an award
but found that the case had merely “nuisance value.” He fur-
ther found that the “level of success achieved was next to
zero” and that the hours Evon’s attorney spent on the case
were excessive and avoidable. He therefore denied recovery
8500              EVON v. LAW OFFICES OF MICKELL
for all but the amount of time necessary to draft Evon’s com-
plaint.

  (A)    Standard of Review

   We “review the award or denial of attorney’s fees for abuse
of discretion, but any elements of legal analysis and statutory
interpretation which figure in the district court’s decision are
reviewable de novo.” Coalition for Clean Air v. Southern Cal-
ifornia Edison Co., 971 F.2d 219, 229 (9th Cir. 1992). We
“will reverse if the district court misperceives or misapplies
the law governing fee awards.” Id.

  (B)    Analysis

   [24] The FDCPA provides that any debt collector who fails
to comply with its provisions is liable “in the case of any suc-
cessful action . . . [for] the costs of the action, together with
a reasonable attorney’s fee as determined by the court.” 15
U.S.C. § 1692k(a)(3). The FDCPA’s statutory language
makes the award of fees mandatory. Bridgeport v. Camacho,
523 F.3d 973, 978 (9th Cir. 2008). “The reason for mandatory
fees is that congress chose a ‘private attorney general’
approach to assume enforcement of the FDCPA.” Id. (quoting
Tolentino v. Friedman, 46 F.3d 645, 651 (7th Cir. 1995)).

   [25] The district judge focused on the case’s supposed lack
of merit and on the nominal value of the judgment obtained
to the exclusion of other factors in the “lodestar” calculation.11
   11
      “The ‘lodestar’ is calculated by multiplying the number of hours the
prevailing party reasonably expended on the litigation by a reasonable
hourly rate.” Morales v. City of San Rafael, 96 F.3d 359, 363 (9th Cir.
1996). After computing the “lodestar,” the district court may then adjust
the figure upward or downward taking into consideration twelve “reason-
ableness” factors:
    (1) the time and labor required, (2) the novelty and difficulty of
    the questions involved, (3) the skill requisite to perform the legal
                  EVON v. LAW OFFICES OF MICKELL                      8501
   As to the supposed lack of merit, Evon’s suit resulted in
Mickell abandoning his practice of sending debt collection
letters to debtors’ workplaces. Thus the lawsuit has already
achieved a significant level of success.

   Moreover, although Evon settled the case for a relatively
small amount ($1010.99), she recovered the full amount of
allowable statutory damages. This represents a complete
recovery under the statutory scheme. In Joe v. Payco-General
Am. Credits, No. 94-15338, 1994 WL 465841, (9th Cir.
1994), an unpublished disposition, Payco-General appealed
the district court’s award of reasonable attorney’s fees and
costs for an FDCPA violation. Payco-General argued that
because Joe only won a nominal award ($1,001), reasonable
attorney’s fees were not warranted. Id. at *1. The court dis-
agreed stating that Joe “was completely successful in this
action to hold Payco-General responsible for its [statutory]
violations” and was thus the “prevailing party” and entitled to
reasonable attorney’s fees. Id. (Emphasis added).

   Furthermore, while the amount of damages recovered is
relevant to the amount of attorney’s fees awarded, it is only
one of several factors that a court must consider in determin-
ing the fee award. See City of Riverside v. Rivera, 477 U.S.
561, 574 (1986). We have specifically instructed that “courts
should not reduce lodestars based on relief obtained simply
because the amount of damages recovered on a claim was less

    service properly, (4) the preclusion of other employment by the
    attorney due to acceptance of the case, (5) the customary fee, (6)
    whether the fee is fixed or contingent, (7) time limitations
    imposed by the client or the circumstances, (8) the amount
    involved and the results obtained, (9) the experience, reputation,
    and ability of the attorneys, (10) the “undesirability” of the case,
    (11) the nature and length of the professional relationship with
    the client, and (12) awards in similar cases.
Morales, 96 F.3d at 363 n.8 (quoting Kerr v. Screen Guild Extras, Inc.,
526 F.2d 67, 70 (9th Cir. 1975)).
8502           EVON v. LAW OFFICES OF MICKELL
than the amount requested.” Quesada v. Thomason, 850 F.2d
537, 539 (9th Cir. 1988). Moreover, in City of Riverside, the
Supreme Court, in the context of civil rights statutes,
expressly rejected the proposition that fee awards must be in
proportion to the amount of damages recovered. See City of
Riverside, 477 U.S. at 574 (affirming fee award of
$245,456.25 when damages recovered were $13,300). The
same is true in consumer protection cases: where the mone-
tary recovery is generally small, requiring direct proportional-
ity for attorney’s fees would discourage vigorous enforcement
of the consumer protection statutes.

   Lastly, while the award here was small, that is not necessar-
ily controlling because “an award of nominal damages can
represent a victory in the sense of vindicating rights even
though no actual damages are proved.” Farrar v. Hobby, 506
U.S. 103, 121 (1992) (O’Connor, J., concurring). That the
lawsuit spurred Mickell to cease unlawful conduct is an
important consideration, see id., that the district court failed
to recognize.

   [26] The district court provided no meaningful explanation
for the final number of hours it allowed; we therefore remand
for a proper lodestar calculation. See McCown v. City of Fon-
tana, 565 F.3d 1097, 1102 (9th Cir. 2009); Tutor–Saliba
Corp. v. City of Hailey, 452 F.3d 1055, 1065 (9th Cir. 2006).

                     VI.   Reassignment

  Lemberg requests reassignment to a different judge. In
determining whether reassignment is proper, we consider:

    (1) whether the original judge would reasonably be
    expected upon remand to have substantial difficulty
    in putting out of his or her mind previously-
    expressed views or findings determined to be errone-
    ous or based on evidence that must be rejected, (2)
    whether reassignment is advisable to preserve the
               EVON v. LAW OFFICES OF MICKELL              8503
    appearance of justice, and (3) whether reassignment
    would entail waste and duplication out of proportion
    to any gain in preserving the appearance of justice.

United States v. Arnett, 628 F.2d 1162, 1165 (9th Cir. 1979).
“The first two of these factors are of equal importance, and a
finding of one of them would support a remand to a different
judge.” United States v. Sears, Roebuck & Co., 785 F.2d 777,
780 (9th Cir. 1986).

  We recognize that the unusual circumstances necessary for
remand to a different judge “rarely exist,” Glen Holly Entm’t,
Inc. v. Tektronix, Inc., 352F.3d 367, 381 (9th Cir. 2003). We
believe, however, that they are present here.

   As we review the record below, we are struck by the dis-
trict judge’s forceful statements: the case was “unnecessary,”
a “waste of time,” “not worth a dime,” and “should never
have been filed.” Indeed, the record reflects an unfortunate
dismissive attitude by the district judge both toward Lemberg
and the class Evon seeks to represent.

   [27] Because we reverse the district court’s summary judg-
ment on whether Mickell’s practice constitutes a violation of
the FDCPA and reverse on the motion for class certification,
we doubt, based on the district judge’s comments, that he will
be able to put the views he has repeatedly expressed out of his
mind. Thus, we conclude that reassignment to a different
judge under the first Arnett factor is appropriate. Further,
because the district court has openly stated that this case is
worthless, remand under the second Arnett factor is appropri-
ate as well. See United States v. Reyes, 313 F.3d 1152, 1159-
60 (9th Cir. 2002) (reassigning the case under the “appearance
of justice” factor where district judge openly stated that he
believed the defendants were attempting to manipulate the
system).
8504           EVON v. LAW OFFICES OF MICKELL
                       VII.   Sanctions

   Mickell appeals the district court’s imposition of sanctions
against him. The district court, exercising its inherent author-
ity, see Chambers v. NASCO, Inc., 501 U.S. 32, 43-46 (1991),
imposed sanctions against Mickell in the amount of $1,260
for violating his own protective order and failing to seal and
redact his client’s confidential documents.

  (A)   Background

   Mickell’s attorney, John Dahlberg, obtained a protective
order marking certain documents “confidential.” In filing the
class certification motion and partial summary judgment
motions, Dahlberg, running up against the filing deadline,
filed documents without sealing or redacting them, exposing
to public view certain material that had been designated “con-
fidential” under the protective order. Evon sought sanctions
and the district court granted her motion because of Dahl-
berg’s error.

   Mickell argues that the violation of the protective order was
inadvertent, that the district court found as much, and thus,
the court lacked inherent authority to impose sanctions.

  (B)   Applicable Standards

   District courts have the inherent power to sanction a lawyer
for a “full range of litigation abuses.” Chambers, 501 U.S. at
55. A district court’s findings in a sanctions case are “given
great deference.” F.J. Hanshaw Enters., Inc., v. Emerald
River Dev. Inc., 244 F.3d 1128, 1136 (9th Cir. 2001); see also
Adriana Int’l Corp. v. Thoeren, 913 F.2d 1406, 1411 (9th Cir.
1990) (“A determination that an order was disobeyed is enti-
tled to considerable weight because a district judge is the best
equipped to assess the circumstances of the non-
compliance.”) (internal quotation marks and citations omit-
ted).
               EVON v. LAW OFFICES OF MICKELL              8505
  (C)   Analysis

   In Fink v. Gomez, 239 F.3d 989, 991-93 (9th Cir. 2001), we
held that a district court may levy sanctions pursuant to its
inherent power for “willful disobedience of a court order . . .
or when the losing party has acted in bad faith, vexatiously,
wantonly, or for oppressive reasons.” Id. at 989 (citing Road-
way Express, Inc. v. Piper, 447 U.S. 752, 766 (1980)).
“[S]anctions are available if the court specifically finds bad
faith or conduct tantamount to bad faith.” Id. at 994.

   Dahlberg argues that the district court made no such find-
ing and even accepted Dahlberg’s explanation that the viola-
tion was “inadvertent.”

   We agree that the district judge never made a finding of
bad faith or conduct tantamount to bad faith and that the dis-
trict judge said that he understood that Dahlberg’s conduct
was “inadvertent.” However, the judge also made an explicit
finding that notwithstanding Dahlberg’s explanation, he still
violated his own protective order, a fact which Dahlberg does
not dispute.

  Thus, it is clear that a “willful” violation of a court order
does not require proof of mental intent such as bad faith or an
improper motive, but rather, it is enough that a party acted
deliberately.

   The language in Fink makes clear that a district court has
the inherent power to sanction for: (1) willful violation of a
court order; or (2) bad faith. A determination that a party was
willfully disobedient is different from a finding that a party
acted in bad faith. Either supports the imposition of sanctions.

   Here, Dahlberg knew that the protective order was in place
and that filing without redacting the confidential information
constituted a violation. Sanctions are especially appropriate in
this case because Dahlberg, himself, sought the protective
8506               EVON v. LAW OFFICES OF MICKELL
order, making, as the district court said, the plaintiff “jump
through hoops” to comply. Dahlberg characterizes the failure
to comply with the sanctions order as “inadvertent” but what
he really means is that on the day of the filing, he realized that
compliance with the protective order would cause him addi-
tional time and work, and he chose not to comply.

   [28] A lawyer cannot seek an order requiring opposing
counsel to comply with the order, but then violate it, himself,
with impunity. The award of attorney’s fees for Dahlberg’s
failure to obey his own protective order was an appropriate
remedy. The district court was well within its discretion to
impose sanctions against Dahlberg.12

                       VIII.    CONCLUSION

   We reverse the district court’s grant of summary judgment
to Mickell on the issue of whether Mickell’s act of sending
“care of” letters to debtors’ employers violates the FDCPA
and we also reverse the denial of class certification on that
issue. We affirm the district court’s grant of summary judg-
ment to Mickell on the issue of whether the contents of the
letter violates the FDCPA. We affirm the sanctions award.
We remand for consideration of whether the Rule 23(b) fac-
  12
     Lemberg argues that the district court’s sanctions award did not ade-
quately compensate him for the time spent in complying with the protec-
tive order. Dahlberg responds that Lemberg’s failure to file a notice of
cross appeal amounts to a waiver of this argument. But, because “the
requirement of a notice of cross-appeal is a rule of practice, which can be
waived at the court’s discretion” Lemberg’s failure to file a notice of cross
appeal does not act as an automatic jurisdictional bar to the court’s consid-
eration of his request. Mendocino Envtl. Ctr. v. Mendocino County, 192
F.3d 1283, 1298 (9th Cir. 1999). However, Dahlberg never waived the
protective order, but instead accidentally violated it, and thus Lemberg’s
compliance remained mandatory. In addition, there is nothing to suggest
that a sanctions award had to directly correlate with the additional time
Lemberg spent on this task. The district court has wide discretion in craft-
ing a sanctions award and the district court’s nominal reduction of which
Lemberg complains was not an abuse of discretion.
                EVON v. LAW OFFICES OF MICKELL               8507
tors are satisfied and for a proper lodestar calculation of attor-
ney’s fees. Evon shall recover the costs of her appeal.

  AFFIRMED IN PART, REVERSED IN PART and
REMANDED with instructions that the case be reassigned on
remand.



NOONAN, Circuit Judge, dissenting:

   Debt collectors have never been popular. Nonetheless they
perform a necessary societal function. The Federal Reserve
estimates that in the United States today unpaid consumer
debts amount to over two and one-half trillion dollars. http://
www.federalreserve.gov/realeases/g19/Current/. If debts are
not paid, credit will dry up. To keep our debt-prone society
functioning, we must respect the rights of the debt collector.

  The statute at issue here is precise. The text is set out in the
majority opinion. After setting out the text, the majority
ignores it to create a statute more to its taste.

   The text itself forbids “a debt collector” to “communicate,
in connection with the collection of any debt, with any person
other than the consumer, his attorney, a consumer reporting
agency if otherwise permitted by law, the creditor , the attor-
ney of the creditor, or the attorney of the debt collector.” The
critical verb is “communicate.”

   The majority supposes that a debt collection letter
addressed to a debtor at his place of employment is a commu-
nication made to an indefinite number of persons in the
employer’s business: Mickell “knew or could reasonably
anticipate that a letter sent to a class member’s employer
would be opened and read by someone other than the debtor.”
This flat factual statement is offered by the majority without
reference to any authority. Is there a general rule that letters
8508            EVON v. LAW OFFICES OF MICKELL
to a person in care of the person’s employer will be opened?
Nothing in my experience suggests that such is the rule or
common practice in the United States. The majority invents
a custom to confirm its conclusion.

   It is additionally doubtful that a letter addressed to A but
opened by B can be described as a communication to B. Com-
munications are purposeful. What is written to be read by A
is not a communication to B.

   A comparison of the majority’s holding in this case with
what the majority cites from the Staff Commentary of the
Federal Trade Commission illustrates how far the majority
departs from any existing authority in its ban on collection let-
ters in care of a business address. The majority completes its
case by endorsing a reductio ad absurum offered by Evon:
What would prevent a collector from sending a collection let-
ter in care of a parent or neighbor? The answer is: common
sense. When business practice defects from common sense, it
will be time to take seriously the majority’s hypothetical.

   The defective class. The majority reverses the district court
and holds Evon to be an adequate representative of a class of
allegedly abused debtors. The class is comprised of persons
like Evon who have been sent collection letters in care of their
employers. They have no better case than Evon. The class has
not been injured.

   Attorney’s fees. As a corollary of reversing the judgment of
the district court, the majority invites it to enhance the award
of attorney fees. As a corollary of my dissent, I conclude that
remand on this point is unnecessary.

  Reassignment. The majority acknowledges that unusual cir-
cumstances justifying reassignment to a different district
judge rarely exist, but nonetheless make the reassignment
here, taking the trial judge to task for his comments on the
               EVON v. LAW OFFICES OF MICKELL              8509
character of this lawsuit. I cannot join in this reassignment or
in the assessment of the care exercised by the district judge.
