Q3 Magazine 2025

Q3 2025

NORTH COUNTY LAWYER Magazine Featured Articles: The Evolving Landscape of Employee Benefits By: Stephanie San Antonio What Law Practice Software is Right for You? By: Ruth Marvin-Webster, Esq. Bridging the Justice Gap in North County By: Stephanie Germani, Esq.

Proudly serving the North County legal community since 1956 Visit us online www.northcountybar.org

Published by the North County Bar Association Phone: (760) 758-5833 E-mail: info@northcountybar.org www.northcountybar.org P.O. Box 2381, Vista, CA 92085 © 2023 North County Bar Association Board of Directors Suzanne Skolnick, President Jess Booth, Vice President Erica Bloom, Vice President Rima Khoury, Vice President Angela Medrano, Director Katharine Tremblay, Director Ed Burns, Director.

Carmela Birnbaum, Director.

Avneet Sidhu, Director Hon. Harry Powazek (Ret.), Director Alan Mansfield, Director Reid Chambers, Director Gary Cunneen, Director Staff: Camden Retzlaff, Executive Director

Our mission is to promote professional excellence, camaraderie, philanthropy, and community outreach.

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CONTENTS 2025 Q3

2025 SUSTAINING MEMBERS To be a "Gold" or "Silver" Sustaining Member, a member pays the regular dues for the appropriate category, plus an additional $500 or $250 per year. Members are recognized in each North County Lawyer Magazine publishing and on the bar's web page.

Gold Edward Burns, James Bush, Darwin Bustarde, Paul Camp, Howard Franco, Michael Friedrichs, Thomas Grimes, Robert Jackson, Michael Klein, Daniel Martin, Jodi Schnoebelen, Debra Streeter Silver Lesly Adams, Erica Bloom, Melissa Bustarde, Amber Crothall, Susanne De La Flor, Carline Fonseca, Rich Gaines, Russell Kohn, David Larkin, Gregory Lievers, Sue Loftin, Reid Kelly, Jacqueline Skay, Joseph Stine, Nicole Varela, Herbert Weston, Tanya Weston

5 Editor's Letter Caron Calabrese, Esq. 6 President's Perspective Suzanne Skolnick, Esq. 8 WHAT LAW PRACTICE SOFTWARE IS RIGHT FOR YOU?

By Ruth Marvin Webster 11 Lawsuits, the Nervous System, and the Missing Piece in Client Advocacy

By Linda Vazin 15 BRIDGING THE JUSTICE GAP By: Stephanie Germani, Esq. 17 The Evolving Landscape of Employee Benefits: What Small Law Firms Need to Know

By Stephanie San Antonio 25 Access To Justice: Law Day 2025

By Irene E. Stewart, Esq.

Caron Calabrese, Esq., Editor Camden Retzlaff, Executive Director Editorial Committee: Lesly J. Adams, Esq., Darwin Bustarde, Esq., Ruth Marvin Webster, Esq., Bill Kamenjarin, Esq., Larry Campitiello , Esq., and Stephanie S. Germani, Esq.

The North County Lawyer Magazine is published quarterly by the North County Bar Association. Subscriptions, articles, photos and advertising should be submitted to: North County Bar Association, P. O. Box 2381, Vista, CA 92085 or info@northcountybar.org, or (760) 758-5833.

The subscription rate for non-members is $40 per year.

Deadline for submissions is the 10th of the month prior to publication. The North County Lawyer reserves the right to edit all submissions.

32 Civil Law Update - Part 3 Wayne Templin, Esq. 36 Summer Reading Recommendations

EDITOR'S

Caron Calabrese, Editor (858) 598-5552 caron@cawoodwardlaw.com

LETTER When I first moved to California from Maryland, I was often asked if I miss the changing of the seasons and the falling of autumn leaves. I did not, insisting that I would prefer consistent spring-like weather year-round. After 22 years in San Diego, I now know that we do, indeed, have a change of seasons, however more subtle. It comes with just the slightest chill in the air, followed by the hot winds of the Santa Ana, and then a sort of settling in for winter. The changing of seasons here may have more to do with the behaviors and habits of our inhabitants. Less hiking and bike-riding, more nose-to-thegrindstone quiet working to pass the time until we resume the outdoor living that is why we live here. (For the record, the only weather phenomenon I really miss about the East Coast are the rainstorms with thunder and lightning.)

In this issue, we take an important look at access to justice in North County, and a re-cap of Law Day, during which so many of our legal volunteers assist the community by offering guidance on legal issues to our residents. We finish the update to Civil Law in California for 2025 (thanks again to Wayne Templin for this 3piece, in-depth article!) and learn about employee benefits for small firms. This is an apropos time of year to consider the effects of lawsuits on the emotional well-being of both attorneys and our clients explored in a thoughtful piece by Linda Vazin.

. n ro

And while I always lament the end of summer, I remember that "[t]here is a harmony in autumn, and a lustre in its sky, which through the summer is not heard or seen." — Percy Bysshe Shelley

Ca

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President’s perspective The North County Bar Association hosts numerous events throughout the year that focus on enriching our members’ professional development. Whether it is an insightful educational seminar or a networking mixer, opportunities for our members to grow professionally abound. One skill set that the NCBA has mastered is fusing professional growth opportunities with good, clean, fun. Shining examples of fun events that bring our North County legal community together both professionally and personally are the NCBA’s first annual Pickleball Tournament which was held on August 9th, and our upcoming September 26th annual Golf Tournament

Our inaugural “Paddle and Precedent” pickleball tournament was a smash hit—literally. The event served up plenty of laughs. Players of all levels of experience participated, some more aggressively than others – but all had fun and finished the day sharing great food provided by Dang Brothers Pizza. Notable mentions go to championship winners Scott ___ and Judge Victor Torres and our 2 nd place finishers Anahit Urfalyan and Kent Bloom. Judge Torres proved he can dominate the court, whether wielding his gavel in Department 22 or his pickleball paddle at the El Camino Country Club. Now that we know who our ringers are, perhaps the NCBA should challenge the San Diego County Bar Association to a match?

Whether it was a carefully placed dink, a bold lob, or simply the camaraderie between colleagues, the NCBA’s Pickleball tournament highlighted the fun of healthy competition outside the courtroom. By the end of the day, the unanimous verdict was clear:

pickleball may be new to our calendar, but it’s already earned its place as a tradition worth continuing. The NCBA also extends our gratitude to the Consumer Law Group of California and Alan Mansfield for their generous sponsorship of the event and to Katharine Tremblay for her tireless efforts in organizing the tournament. .

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Our upcoming annual Golf Tournament on September 26th will include the fan-favorite raffle where everyone leaves with a prize. The tournament will be held at The Vineyard in Escondido, which boasts a scenic landscape of verdant wetlands, stunning mountain vistas, and plenty of water hazards. So, for players matching my caliber of golf prowess, be sure to bring extra golf balls! Players of all levels attend and participate in the NCBA tournament, and because we use a scramble format where the best shot of the foursome is used at each hole, there are opportunities for everyone in the foursome to contribute to the team’s final score.

The NCBA Golf Tournament is the perfect way to meet members of our North County legal community in a fun environment that promises to provide lasting memories, whether you win or lose.

As these events show, the North County Bar Association thrives when our members come together—on the court, on the course, and in the courtroom of ideas. Each program we host is designed not only to sharpen our professional skills, but also to strengthen the friendships and collegiality that make our community unique. I encourage every member to take advantage of these opportunities, step out from behind the desk, and join us. Whether you’re swinging a paddle, a club, or simply shaking hands at a mixer, your presence makes a difference. Together, let’s continue to build a Bar Association that is as dynamic, inclusive, and fun as the people who make it possible.

Suzanne Skolnick 2025 NCBA President

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WHAT LAW PRACTICE SOFTWARE A brief glance at legal IS RIGHT management systems .

FOR YOU?

By Ruth Marvin Webster

IfIf you’re like most of us, “get organized” figures near the top of every year’s list of New Year’s Resolutions (right after lose weight and get more exercise, of course). And if you’re a practicing attorney, that usually means better time management.

Nagging daily administrative tasks often consume the lion’s share of an attorney and their staff’s daily workload, often leaving them (and you) stressed out and overwhelmed. But with the help of the right legal practice software, many of those pesky – but oh so crucial -duties can be automated, leaving you to practice law. Because after all, wouldn’t we all rather spend our workday focusing on the things that really matter like constructing an elegant legal argument or strategy than worrying if a filing deadline has slipped between the cracks or whether the balance due has been properly calculated?

The best legal software solutions can simplify case matter management by automating calendaring and billing as well as offering the flexibility of being able to work from anywhere. It can also improve cyber-security and help with compliance of regulatory requirements. In fact, technological competency is now so important that the American Bar Association has mandated such requirements which have been adopted in 28 states to date.

A recent Blue Hill Research study also found that attorneys regularly save more than eight hours a month when using management software, which the majority were able to turn into more billable hours. That is why the global legal software market size is growing at a rate of about 12 percent. Valued at $0.4 billion last year, the market is projected to reach over $2.2 billion by 2032.

Yet despite the overwhelming data that technology can make us better, many of us older (often sole practitioners) often say “no thanks” to legal software solutions, complaining that the software on the market is just too costly, a terrific drain on resources (especially at the beginning) and just plain frustrating.

But the fact remains that firms employing technology are more efficient and that the good legal software leaves attorneys more time to focus on things that really matter and giving them a competitive edge over others who dismiss technology. Or in other words:

Time spent on investing in the right technology can reap huge returns because time management issues will consume you and your practice, if you let them.

HAVE YOU CONSIDERED THESE? CLIO MANAGE - approved by many bar associations and designed for law firms of all sizes. It is cloud-based.

COSMOLEX – a cloud-based law practice software that helps with calendars, email, documents, billing and payments.

FILEVINE – has more than 50,000 users. Widely used.

Undisclosed pricing but offers a core program and three modules. Particularly good for small and midsized firms.

IMANAGE – integrates with Microsoft 365. Particularly good for larger firms. Suitable for managing large volumes of sensitive documents.

LAWCUS – made for all sized firms. Allows configuration rule-based triggers to automate specific repetitive tasks. Has insightful reports and powerful dashboards.

MERCUS – highly customizable and suitable for firms of all sizes. Configurable solutions. Also offers batch scanning, tiered calendaring systems, autopopulation of court forms and documents, predictive searching. Offers bank-grade security. | 8 JUNE'23

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Experts suggest that the first step before purchasing any software is to sit down with the entire office to identify areas that can be best automated or at least, streamlined. In other words, what software features would be the most helpful to you and your practice? Would allowing attorneys, clients and/or staff access to services or meetings remotely enhance collaboration? Do you have particular concerns over online payments, email encryption or cyber-security? Are routine tasks such as calendaring, document generation and billing goggling up your time? How important are features like conflict-checking or court-forms in your practice? Are you interesting in generating analytical reports?

Would marketing features or web development services be helpful? Or maybe what you need is a so-called all-in-one system?

Then look at the legal software options on the market and find out how the new software would integrate in your existing systems or tech stacks? What level of maintenance and support are required and how invested/tech savvy are the individuals who will be using the software? Consider how the system will be able to grow with your team?

Compare costs. What are initial, up front costs and/or monthly fees? Are there early cancellation fees? Does the software provide customer support? Training? Webinars? Is it recommended by bar associations or firms? Request demos and free trial periods. Read reviews and get references from other law firms using the software which can help you make an informed decision.

Finally remember that new habits take time to master. Be patient with yourself and your team. And always remember that with the right technology, you are certain to free up hours better spent to help you succeed – professionally, financially and personally – but nothing is without limitations.

By Ruth Marvin Webster

MYCASE – a cloud-based law practice management software that’s affordable and full-featured. Relatively unique feature is one-bill policy. By paying one fixed price, you get access to all features. Also offers custom web development services.

PRACTICEPANTHER – a law practice management software that’s good for small to medium-sized firms.

ROCKETMATTER – a cloudbased law practice management software with dashboard.

SIMPLAW – good user support. Clients can request new matter through portal.

User interface not sophisticated.

SMARTADVOCATE – best for personal injury space.

SMOKEBALL – simplifies the management process.

Automatically tracks your activity and time and enables you to store your contacts, documents and emails.

Primarily known for legal billing software.

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Lawsuits, the Nervous System, and the Missing Piece in Client Advocacy

W R I T T E N

B Y

L I N D A

V A Z I N

Anyone who has ever been through a lawsuit—especially a contentious divorce —knows it isn’t just a legal event. It’s a life event. It hijacks your sleep, your thoughts, your nervous system, and in many cases, your ability to make sound decisions. And yet, the legal world rarely addresses this truth.

systems during litigation. With over three decades of experience in somatic healing, breathwork, and trauma-informed coaching, I’ve seen firsthand how critical this support can be in legal outcomes.

Clients who feel grounded and safe are more capable of clarity, collaboration, and self-advocacy.

What if attorneys had the power to support not just their clients’ legal interests, but their emotional and physiological resilience as well?

Attorneys who understand this can become true advocates for their clients’ lives, not just their lawsuits. Legal Conflict Hijacks the Nervous System

In this article, I explore a missing but vital dimension of client advocacy: helping clients stabilize their nervous

To the brain and body, a lawsuit can feel like a life-threatening situation.

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Initially, this stress response may produce focus and urgency. But over time, the constant anticipation of conflict, fear of financial loss, or anxiety about an uncertain future wears down the system. Clients begin to experience: Brain fog and inability to concentrate Increased irritability and emotional outbursts Sleep disruption and adrenal fatigue Physical symptoms like jaw tension, digestive upset, or chronic pain One client of mine—let’s call her Anna—came to me during the sixth year of an intensely adversarial divorce. The legal fees were astronomical (over 9 million dollars). But what had taken an even greater toll was her health. Anna hadn’t slept properly in months and was constantly sick. She would change her legal strategy weekly, constantly secondguessing herself.

Her attorney was skilled, but frustrated by the indecision.

IAnd although she had a therapist, it didn’t help much with the tension she felt in her body, her throat, shoulders and gut were in a constant state of tension.

Once Anna began somatic work, including breathwork

and gentle trauma-release exercises, she started sleeping again.

She stopped panicking before court dates. Her choices became more aligned with her long-term values, rather than fear-driven reactions. Eventually, she worked with her attorney to reach a settlement that prioritized peace of mind over perpetual battle.

conditioning or current legal stress—the body stores those experiences as tension, numbness, or even illness. We see this play out in clients who can’t make decisions, who freeze under pressure, or who collapse into emotional exhaustion mid-case.

Somatic healing helps clients: Reconnect with their breath and body signals Release held tension from chronic stress or trauma Access clarity through nervous system regulation Rebuild internal safety and emotional resilience

The Somatic Layer of Healing Somatic therapy addresses what traditional talk therapy can’t always reach: the way trauma lives in the body.

When a person experiences emotional overwhelm— whether from childhood

Through breathwork and techniques like NeuroLinguistic Programming (NLP), clients can shift out of the reactive survival states that litigation often triggers. The goal is not to make anyone perfect. It’s to help them return to their center—where decisions come from clarity, not chaos.

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Why This Matters to Attorneys Legal outcomes are deeply influenced by a client’s ability to stay regulated and engaged in the process. A client stuck in fight-or-flight may: Push for unrealistic goals fueled by anger or fear Constantly change their mind, derailing progress Struggle to retain key information or follow advice Make impulsive decisions they later regret When attorneys recognize these patterns not as "difficult client behavior" but as nervous system dysregulation, they unlock a new level of compassion and strategy. Encouraging clients to seek somatic support is not just good ethics—it can be smart case management.

Imagine a client who enters mediation calm, grounded, and capable of compromise. Or one who can finally sleep and stop obsessively texting their legal team. These are not minor improvements; they change the pace, tone, and trajectory of the case.

A North County Perspective: Conscious Lawyering in a Spiritual Landscape There’s something unique about North County San Diego. It’s a region steeped in wellness, healing, and consciousness. It’s the birthplace of Self-Realization Fellowship and home to countless yoga centers, mindfulness communities, and somatic practitioners.

Attorneys here have the opportunity to practice what I call "conscious counsel."

Conscious counsel means: Treating clients as whole people, not just legal cases Recognizing the emotional trauma inherent in litigation Building a referral network of trusted wellness providers Choosing long-term wellbeing over short-term wins This isn’t about abandoning legal rigor. It’s about adding a layer of humanity that often gets lost in adversarial processes.

What Attorneys Can Do Now If you’re an attorney reading this and wondering how to bring this perspective into your work, here are a few small shifts that can make a big impact: Acknowledge the stress out loud. Simply validating that the legal process is stressful can help clients feel seen and understood.

Collaborate across disciplines. Reach out to wellness professionals and explore how you can work together to serve clients more completely.

Build in emotional check-ins. Ask your clients how they’re sleeping, eating, and managing. If they’re dysregulated, consider pausing or reorienting strategy.

Practice trauma-informed communication. Be mindful of tone, pacing, and pressure.

Small gestures of empathy go a long way.

Final Thoughts: The Future of Law Is Integrative We are living in a time when clients are craving more conscious, compassionate professionals in every field. Law is no exception. If you want your work to stand out, if you want to create lasting impact, consider supporting clients not only in winning their case—but in rebuilding their lives.

Helping a client come out of litigation with their health, identity, and peace intact is a rare and noble offering. But it is possible.

And it starts with understanding how trauma shows up in the body, and how somatic support can make the difference between surviving a lawsuit and truly healing from it.

When we bridge the worlds of law and healing, we don’t weaken our professional power—we deepen it. And in doing so, we usher in a new era of legal practice where success is measured not only by what’s won on paper, but by what’s preserved in the heart and body.

WRITTEN BY LINDA VAZIN

Linda Vazin is a Breathwork and Somatic Coach with over 35 years of experience helping clients regulate their nervous systems, release stored trauma, and step into empowered decision-making. She has two studio locations in Cardiff and La Jolla, CA. To learn more, visit www.breathbodyconnection.com.

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BRIDGING THE JUSTICE GAP WHAT THE LATEST STATE BAR STUDY REVEALS ABOUT ACCESS TO JUSTICE IN NORTH COUNTY

By: Stephanie Germani, Esq.

The State Bar of California’s 2024 “Justice

The crisis is particularly acute in North County San Diego,

Gap Study” has delivered a sobering

where systemic barriers and infrastructure gaps compound

assessment of civil legal need in the

the challenges identified in the statewide study. Unlike

Golden State: Despite a robust legal

other regions, North County lacks Small Claims or Unlawful

economy and nearly 200,000 active

Detainer courts, forcing residents to travel to downtown

attorneys statewide, 75% of California

courthouses for these essential services. For low-income

households across all income groups

residents, this geographic barrier becomes insurmountable

faced at least one civil legal problem in

when coupled with the digital divide that prevents reliable

the past year, yet most struggled to

access to remote court proceedings.

obtain the legal support they needed.

This represents a dramatic increase from the 55% of households that experienced civil legal problems in 2019.

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The Statewide Crisis: Numbers That Tell a Story The 2024 study reveals an alarming erosion in

Perhaps most troubling, the justice gap now cuts

the justice system’s accessibility. While the

across all economic strata. Between 72 and 75

prevalence of civil legal problems has increased

percent of households in every income group

substantially, Californians now seek legal help

experienced at least one civil legal issue in the past

for just 18% of their problems overall, down

year, with little variation based on income level.

from 32% in 2019. Even for problems that

This finding challenges the traditional assumption

substantially impact their lives, only 29% of

that the justice gap primarily affects only the

Californians receive legal assistance.

poorest Californians.

The most common legal problems span health, housing,

and

employment

issues,

affecting

Californians regardless of their economic status. Yet when faced with these challenges, 85% received no or inadequate assistance, a figure that has remained unchanged since 2019 despite the growing scope of legal need.

North County’s Unique Challenges North County San Diego faces a perfect storm of access barriers that exemplify and amplify the statewide crisis. The region’s geographic isolation from the Central Courthouse and the San Diego Law Library creates fundamental obstacles for residents seeking justice.

Court Access Barriers The

closure

Claims

The Superior Court’s North County location in Vista handles

departments in North County in 2017

criminal, civil, family law, and other matters, but the absence

forced all small claims cases to be filed

of small claims and unlawful detainer jurisdiction creates a

and heard at the Central Division in

two-tiered system where North County residents face

downtown San Diego. For residents in

greater barriers to accessing certain types of civil justice.

Vista,

of

Oceanside,

Small

Carlsbad,

and

surrounding communities, this means traveling more than 30 miles to access basic civil justice services. Similarly, unlawful detainer (eviction) cases must be

handled

downtown,

creating

additional hardship for tenants facing housing displacement.

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The Digital Divide Challenge

The Career Pipeline Crisis

While courts have increasingly moved

A significant driver of the justice gap is what

to

researchers

remote

hearing

options

using

term

“public

interest

drift.”

The

platforms like Microsoft Teams, this

phenomenon where law students who enter school

technological shift has created new

intending to pursue public interest careers ultimately

barriers for low-income residents. The

choose other paths. The State Bar’s research found that

assumption that everyone has reliable

49% of students who begin law school with public

internet access, compatible devices, and

interest intentions ultimately pursue other careers.

technological literacy excludes many of those most in need of legal services.

The primary culprit is overwhelming educational debt: 81% of law students at ABA-accredited California

As the 2020 The California Commission

schools graduate with debt, with a median burden of

on Access to Justice study noted, just

$147,000 in 2019. For students who “drifted” from

55% of low-income Californians had

public interest careers, debt levels were 40% higher

broadband subscriptions at home, and

than those who remained committed to public service,

many

according to the “Findings from the 2019 California Law

lack

the

smartphones

or

computers necessary for effective video

Student Survey.”

conferencing. In North County, where WiFi isn't universally accessible and

This debt crisis disproportionately affects students of

data plans may be limited, remote court

color, who are more likely to carry educational debt and

appearances can become another form

face higher debt burdens. While 22% of white students

of exclusion rather than inclusion.

reported not taking out law school loans, only 9% of Black and Latinx students could say the same. Among

Resources Under Pressure The Legal Aid Society of San Diego

those with debt, Black and Latinx students carried median debt loads 26% higher than their white counterparts.

operates in North County, providing critical services to low-income residents across the region. However, the State Bar study documents that legal aid organizations report being unable to adequately service 63 to 70 percent of the legal problems that people bring to them.

With North County home to over 1.2 million residents, the scale of unmet need is staggering.

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Inadequate Support Systems Despite the existence of Loan Repayment Assistance Programs (LRAPs) and federal Public Service Loan Forgiveness (PSLF), many students lack confidence in these safety nets. The federal PSLF program has a troubling track record. As of 2019, only 1,216 out of 102,051 applications were approved.

Despite the existence of Loan Repayment Assistance Programs (LRAPs) and federal Public Service Loan Forgiveness (PSLF), many students lack confidence in these safety nets. The federal PSLF program has a troubling track record. As of 2019, only 1,216 out of 102,051 applications were approved.

As the 2020 The California Commission

Among California law students interested in public

on Access to Justice study noted, just 55%

interest careers, only 27% were aware of their law

of

had

school’s LRAP and 68% were aware of PSLF. This

broadband subscriptions at home, and

knowledge gap, combined with skepticism about

many lack the smartphones or computers

program effectiveness, contributes to career decisions

necessary

driven by debt rather than calling.

low-income

for

Californians

effective

video

conferencing. In North County, where WiFi isn't universally accessible and data

Innovative Solutions Emerging

plans may be limited, remote court

Despite these challenges, North County and San Diego

appearances can become another form of

County are developing innovative approaches to bridge

exclusion rather than inclusion.

the justice gap.

Collaborative Court Programs The San Diego County District Attorney’s North County Branch has pioneered several innovative justice programs, including the Juvenile Diversion Initiative, which prioritizes diversion options for youth instead of filing criminal charges.

Looking Forward: Actionable Recommendations Immediate Steps

This program keeps young people out of the formal justice system while addressing underlying causes of harmful behavior.

Court Access: The Superior Court

The county has also established specialty courts including Mental Health Court, Drug Court, and Veterans Treatment Court, providing targeted interventions that address root causes of legal problems rather than simply processing cases.

Technology-Enabled Services California Western School of Law’s Access to Law Initiative

should

explore

options

for

restoring limited Small Claims and Unlawful Detainer jurisdiction to North County, potentially through designated

hearing

days

or

expanded

remote

hearing

capabilities

with

enhanced

technological support.

represents an innovative model for expanding legal services.

The program supports recent graduates entering solo or smallfirm practice through an 18-month training program that includes business planning, client development, and case management training. In exchange, participating attorneys provide 100 hours of pro bono or low bono service annually, often through free legal clinics.

Digital Equity: Courts and legal aid organizations should partner with libraries, community centers, and other public spaces to provide “digital legal access points “where

This model addresses both the career pipeline problem and the service delivery gap, providing new attorneys with business skills while expanding access to legal services.

residents can participate in remote hearings with technical support and private spaces.

One Safe Place North County Transportation: The

North

County

Family

Justice

Center

provides

a

comprehensive approach to serving crime victims, offering legal services alongside social services, victim advocacy, and other support services under one roof. This co-location model reduces barriers for vulnerable populations who might

organizations mobile

Legal should

legal

aid explore

clinics

and

partnerships with public transit agencies

to

reduce

geographic

barriers to legal services.

otherwise struggle to navigate multiple service providers.

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Professional Bar Response The San Diego County Bar Association and North County Bar Association have responded to the justice gap through expanded pro bono programs and legal aid initiatives. The SDCBA operates several programs including: Guardian Ad Litem Program for child protection cases Access to Appellate Justice Program for self-represented appellants Servicemembers Civil Relief Act assistance for military families The San Diego County Bar Foundation's "Donate Your Rate" campaign encourages attorneys to contribute the equivalent of their billable hourly rate to fund legal aid services, recognizing that financial contributions can sometimes have greater impact than individual pro bono hours.

Moving Forward The State Bar’s 2024 Justice Gap Study confirms what many North County residents already know: Our civil justice system is failing to meet the needs of ordinary Californians across all income levels. In North County, geographic barriers, court closures, and the digital divide compound these statewide challenges. Yet the study also points toward solutions. From innovative legal incubators to community-based service delivery models, from paraprofessional licensing to debt relief for public interest attorneys, pathways exist to bridge the justice gap.

The question is not whether we can afford to implement these solutions, it’s whether we can afford not to. As the State Bar study makes clear, the justice gap affects not just the poorest Californians but families across the economic spectrum. When three-quarters of households face legal problems but fewer than one in five receive adequate help, we face not just individual tragedies but a systemic crisis that undermines the rule of law itself.

For North County, with its unique challenges and innovative spirit, the path forward requires both immediate practical steps and long-term systemic reform. By addressing court access barriers, investing in technology equity, expanding legal aid resources, and developing new models of legal service delivery, the region can become a laboratory for justice innovation that serves not just its own residents but provides a model for communities across California and beyond.

The justice gap is not inevitable, it’s a policy choice. The State Bar study provides the roadmap; now comes the harder work of building the bridge.

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BY STEPHANIE SAN ANTONIO

The Evolving Landscape of Employee Benefits: What Small Law Firms Need to Know

in accepting a job offer, and 80% say they would choose better benefits over a pay increase.

For small law firms, investing in employee benefits isn’t just about recruitment—it’s about reducing turnover, improving job satisfaction, and boosting overall firm productivity. Fortunately, there are more affordable and flexible benefits solutions available now than ever before.

For solo practitioners and small law firms, offering competitive employee benefits can feel like a daunting challenge. Many small firms assume that robust benefits are only within reach for large law firms with extensive resources. However, the landscape of employee benefits is evolving, and new options are making it easier for small businesses to attract and retain top legal talent without breaking the bank.

WHY EMPLOYEE BENEFITS MATTER MORE THAN EVER In today’s competitive job market, offering a wellrounded benefits package is essential for attracting and keeping skilled professionals. The workforce has shifted its expectations, valuing not only salary but also health benefits, retirement plans, and work-life balance options. According to a 2023 survey by the Society for Human Resource Management (SHRM), 60% of employees consider benefits a major factor NORTH COUNTY LAWYER

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Latest Trends and Options in Employee Benefits 1. Level-Funded Health Plans A growing number of small businesses are opting for level-funded health plans, which combine the predictability of a traditional health insurance plan with the cost savings of a self-funded model. These plans allow small firms to pay a fixed monthly amount, with potential refunds if claims are lower than expected. This model provides more control over healthcare spending while maintaining financial stability.

2. Flexible Work Benefits: Paid Time Off and Remote Work Stipends Attorneys often work long hours, making work-life balance crucial. Many firms are now offering unlimited paid time off (PTO) policies or flexible vacation policies to enhance employee satisfaction. Additionally, providing stipends for remote work expenses, such as home office setups or co-working space memberships, can be a valuable perk that improves employee productivity and job satisfaction.

3. Retirement Planning Options: 401(k) Plans and SIMPLE IRAs Retirement benefits are a key consideration for employees evaluating job opportunities. Small firms may find traditional 401(k) plans challenging to administer, but newer options like pooled employer plans (PEPs) and low-cost SIMPLE IRAs provide easier and more affordable ways to offer retirement benefits.

Matching employee contributions, even at modest levels, can go a long way in demonstrating long-term investment in employees’ financial security.

4. Lifestyle Spending Accounts (LSAs) A newer and highly flexible benefit option gaining traction is the Lifestyle Spending Account (LSA). Unlike traditional benefits, LSAs allow employers to allocate funds for employees to use on a variety of wellness-related expenses, including gym memberships, mental health services, financial planning, and even childcare. These accounts are highly customizable, enabling law firms to tailor offerings that fit the unique needs of their employees. LSAs provide a great way to support overall well-being while giving employees control over how they use their benefits.

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5. Voluntary Benefits: A Cost-Effective Way to Expand Offerings Voluntary benefits allow employees to select additional coverage options at group rates without adding significant costs to the employer. Popular voluntary benefits include: Legal insurance (a valuable offering for law firms) Disability and life insurance Pet insurance Student loan repayment assistance Identity theft protection By giving employees the power to choose from a range of options, firms can cater to diverse needs without significantly increasing overhead costs.

6. Mental Health and Well-Being Programs The legal profession is notorious for high-stress environments, making mental health support more critical than ever. Many small firms are investing in Employee Assistance Programs (EAPs) that provide confidential counseling, financial advice, and legal support services. Additionally, wellness programs that include gym memberships, mindfulness apps, or in-office yoga sessions can contribute to a healthier work environment.

How to Build the Right Benefits Package for Your Law Firm Given the wide range of available benefits, small firms should take a strategic approach when designing their packages: 1.Survey Your Employees – Understanding what benefits matter most to your team can help prioritize offerings that will have the greatest impact.

2.Set a Realistic Budget – Work with an insurance broker who specializes in small businesses to identify cost-effective options.

3.Consider a Tiered Approach – Offering a mix of core benefits (e.g., health insurance, retirement plans) and voluntary benefits (e.g., legal insurance, wellness perks) allows employees to customize their compensation package.

4.Stay Informed on Regulations – Employee benefits are subject to legal requirements that vary by state and federal laws. Consulting with benefits experts ensures compliance and helps avoid costly penalties.

5.Communicate and Educate – The best benefits package is only effective if employees understand how to use it. Regularly update employees on available benefits and encourage participation in wellness programs.

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Where to go for Help At SSA Insurance Services we specialize in helping small law firms navigate the everchanging landscape of employee benefits. We understand the challenges that solo practitioners and small firms face, and we work closely with our clients to design costeffective, customized benefits packages that meet both business and employee needs.

Whether you're exploring LSAs, or voluntary benefits, our team can provide expert guidance and tailored solutions to ensure your firm remains competitive in attracting and retaining top legal talent.

Small law firms and solo practitioners may not have the same budget as large firms, but they do have access to increasingly flexible and innovative benefits solutions. By leveraging new options like level-funded health plans, LSAs, and voluntary benefits, firms can provide valuable employee perks without straining their finances. Investing in employee benefits ultimately leads to better retention, enhanced workplace morale, and a more competitive edge in the legal industry.

For law firms looking to explore tailored benefits packages, working with an experienced insurance broker can simplify the process and help find the best solutions for both the firm and its employees. The key is to start small, stay informed, and remain adaptable to the evolving needs of today’s workforce.

Reach out to us today to learn how we can help your firm build a benefits package that makes a lasting impact.

If you have any questions or would like more information on how to enhance your benefits package, feel free to reach out to SSA Insurance Services at 760-203-4293 or service@ssainsuranceservices.com.

Written by Stephanie San Antonio Stephanie San Antonio, founder of SSA Insurance Services, is an insurance broker with over 20 years of experience, dedicated to enhancing employee benefits. Contact Stephanie at 760-203-4292 or email her at stephanie@ssainsuranceservices.com Since 2013 SSA Insurance Services has been helping organizations of all sizes to promote and protect the health and wellness of their most important asset: their employees. Stephanie San Antonio and her team do this by working with employers to design, implement, and maintain a company culture that is in line with their mission and values, and building a comprehensive benefit package that attracts and retains their top talent. Call SSA at (760) 203-4299 for a complimentary benefits package review, to make sure your group health plan is in compliance, and for help with establishing a wellness program for your employees to keep them healthy, happy and engaged.

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Law Day 2025

Access To Justice North County Bar Association in Partnership with the San Diego County Public Library, the San Diego Law Library and the Legal Aid Society of San Diego Brings a Day of Free Legal Service to the Public

By Irene E. Stewart, Esq. Law Day was a success again this year.

People needing access to legal services were lined up outside the doors before the start of the event and the pace never stopped. On May 6, 2025, over the

course

of

six

hours

in

the

Community Room of the Vista Branch of the San Diego County Library, thirty-five volunteer attorneys plus many

interpreters

and

subject

specialists gathered to help 98 people on

116

separate

matters.

Our

volunteer attorneys tackled a wide range of topics, including divorce, child

custody,

support

orders,

immigration, landlord-tenant disputes, access to housing benefits, wills, trusts, probate,

conservatorship,

contract

disputes, property disputes, business formation,

bankruptcy,

criminal

matters, expungements, employment law issues, injury lawsuits, and access to federal and state benefits.

North County Lawyer Editor, Caron Calabrese, Esq., and Law Day participant

Law Day 2025 We offered these consultations in English and Spanish with

translators

also

standing

by

to

help

in

Vietnamese, Russian, Turkish, Azerbaijani, French, and Italian. People seeking help came not just from San Diego County but also from Orange, Riverside, and San Bernardino Counties.

Our volunteer attorneys helped people focus their issues, answered questions, suggested self-help steps, and referred people to free and low costs resources for follow up. People came in with problems and left with answers and a plan. Most participants told us how grateful they were for this service and some even became tearful with relief. In the written exit surveys people noted over and over again how nice and courteous the attorneys were. Our volunteers listened

Law Day Volunteer Attorneys and NCBA Members Thomas Fischer, Esq., and Carla DiMare, Esq. with Law Day patrons.

and helped.

Many People and Entities Worked In Concert To Make Law Day Happen.

Law Day is put on each year through the efforts of many people and entities working together.

Volunteer Attorneys (End of Article For Names): This event could not happen without all the attorneys who donated their time and expertise. Our North County Bar Association attorneys volunteered in large numbers. We also had volunteer attorneys

from

many

other

bar

associations who turned out to help.

Several attorneys signed up for the entire six-hour day. Some attorneys who signed up for a few hours stayed well beyond

their

shifts.

Many

of

the

bilingual attorneys, when not working in their own topic areas, kindly lent themselves interpreters.

to

other

attorneys

as

Law Day Volunteer Attorneys and NCBA Members

Law Day 2025 Volunteer Interpreters (End of Article For Names) We estimate that approximately 30% of those served during Law Day were Spanish speaking. Some years we have more, and some years we have an influx of different languages such as Russian or Vietnamese, so we try to be prepared. Our bilingual attorneys and interpreters were key to that effort.

Law Day Volunteer Attorney and NCBA Director, Alan Mansfield, Esq., with Law Day patrons.

San Diego County Library

San Diego Law Library (SDLL)

We

that

Kenia Shi, ably assisted by Claire Silverstein, both reference

approximately 30% of those

librarians with the San Diego Law Library, staffed the Intake

served

during

Law

Day

Table for the entire day. Working in both English and Spanish,

were

Spanish

speaking.

Kenia and Claire performed miracles assessing what legal

Some years we have more,

topic(s) the patrons’ needs fell into, getting the patrons to the

and some years we have an

correct topic tables and even taking time to help patrons who

influx

different

had reading difficulties by reading documents to them. Cheryl

languages such as Russian

Weeks-Frey, retired SDLL reference librarian and Nicole

or Vietnamese, so we try to

Gigliotti, current SDLL reference librarian, staffed the

be prepared. Our bilingual

Resources Table. This is where patrons stopped on their way

attorneys and interpreters

out to learn what free and low-cost resources are available to

were key to that effort.

them on the issues identified by the consulting attorneys as

estimate

of

well as by Cheryl and Nicole.

The

SDLL’s

Catalano,

director,

Gina

S.

in

the

organizing

for

participated

behind-the-scenes

Law Day and promoted the event through SDLL’s web site and social media. SDLL also provided generous financial support for the event that allowed us to print large-format posters and to feed the attorneys Kenia Shi, Claire Silverstein, Cheryl Weeks-Frey, and Nicole Gigliotti, staffing the Resources Table at Law Day 2025.

with light snacks. Thank you, SDL

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Law Day 2025 Ca s e , Es q. ew

art , esq

. e or

na

Slomanso

n,

Es

q.

Diego again kindly donated the time and

L

e

St

I ren

This year, the Legal Aid Society of San

y

Bo b

b

Legal Aid Society of San Diego (LASSD)

expertise of three highly experienced attorneys for the entire day. Lorena Slomanson,

LASSD’s

Outreach

and

Community Relations Manager, rolled up her sleeves and jumped in to answer questions

(in

English

and

Spanish)

regarding landlord-tenant issues, public benefit issues, and which free and lowcost legal help resources are available on various topics around the County. She also helped with the triage efforts at the Intake Table and interpreted for other attorneys on a wide variety of topics. She was, as always, a human Swiss Army knife. Bobby Case, LASSD’s Fair Housing Center Supervising Attorney, handled a wide variety of landlord tenant questions including

very

specialized

Section

8

housing issues. Finally, Ceci Ambrosio, a member of LASSD’s immigration law team, answered immigration questions.

LASSD also promoted Law Day widely via its social media. Thank you, LASSD. Las Valientes California Rural Legal Assistance (CRLA)

Dr. Ana Serrano, Director of Las Valientes, a non-

Mimi Ford and Jose Olivera, attorneys

profit dedicated to assisting the survivors of

with CRLA, provided crucial assistance to

domestic violence, was with us all day. She

patrons in housing and public benefits

assisted where needed on family law and related

issues. They worked in both English and

matters. As always, she was a font of knowledge

Spanish. The CRLA also helped promote

about resources and a voice of calm and kindness

Law Day by passing out flyers at various

when our patrons needed it. She was assisted by

community events. Thank you, CRLA.

Sarahi Sanchez. Thank you, Las Valientes.

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Law Day 2025 North County Bar Association (NCBA) Law Day Volunteer Attorney and past NCBA Director, David Rubin, Esq., with Law Day patrons.

The NCBA’s Pro Bono committee worked hand-in-hand with SDCL, SDLL, LASSD, and CRLA for several months prior to the event in order to make sure it came together and ran smoothly. Co-Chairs Irene Stewart and Erica Bloom, along with members Alan Mansfield, Jess Booth and Judge Harry Powazek (ret.), as well as our President Suzanne Skolnick and our Executive

Director

Camden

Retzlaf,

worked behind the scenes contacting volunteers, aid societies, bar associations, civic entities, and referral services.

They also brainstormed ways of promoting the event and generally assembled the pieces that became Law Day. Irene, Erica, and Alan all served as volunteer attorneys at Law Day. Judge Powazek lent his expertise as a sounding board for the family law attorneys that day. Suzanne assisted at the Intake and Resources desks as well as oversaw the volunteer attorneys. Thank you, all.

Carmela Birnbaum, Esq. NCBA Director Suzanne Skolnick, Esq. 2025 NCBA President

Irene Stewart, Esq. NCBA ProB ono Chair Past NCBA Director LRS Director

Hon. Harry Powazek, (Ret.) NCBA Director

Darwin Bustarde Esq. 2024 NCBA President

Caron Calabrese, Esq. NCBA Magazine Committee Chair & Editor

Law Day 2025 Lawyer Referral Service, North San Diego

North County Superior Court Branch Director

County (LRS)

Stucker and Family Law Facilitator Office (FLF)

The LRS Foundation made a generous grant

Last, but certainly not least, thank you to

which paid for many, many color copies of the

Kimberly Stucker, Branch Director, San Diego

event flyers. This helped us get the word out

Superior Court, North County Division, and to the

about the event to the non-social-media-using

Family Law Facilitator’s Office at the Vista

public. In addition, the LRS promoted our

Courthouse. Ms. Stucker permitted our flyers to be

event by circulating our flyers widely to

circulated widely at the courthouse. The FLF

members of the public who contacted the LRS

handed out and posted our flyers. Thank you.

searching for attorney help. Thank you, LRS.

The Participants’ Comment Cards from the Event Say it Best:

“ We w ant to thank fo r y o u you r servi c e attent s and ion to d e t ail. Th helps t is he com m u nity unders tand c ertain proces ses. Th ank yo u!!”

“I thou ght it was very help ful and prof essio nal, and answ ered my ques tions . [atto rney ] + [atto rney ], [atto rney ], [atto rney ] + [atto rney ] all did a grea t job.

[Inta ke Tabl e] were both grea t, frien dly, and very help ful.

Sugg estio ns: It woul d be nice to have this law clini c twic e a year !”

“[Att orne y] helpf ul. Sh was very e ans all of w e re my q d uesti was ons a very nd t h o ro her e u g h xplan in ation s.”

so “ Th a n k y o u his much for t y.” o p p o r tu n i t

The Bottom Line This service allowed a large number of people who would not otherwise be able to afford an attorney to speak with one for free. This service gave people a chance to right wrongs, to protect themselves, and to protect their families. Thank you to the entire legal community and beyond for all your support in putting on Law Day. Well done.

Irene E. Stewart, Esq. Irene E. Stewart, founder Law Offices of Irene E. Stewart, representing injured clients for over 20 years in nursing home injuries, insurance bad faith, medical device failure, injury on property, and car accidents.

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Volunteer Attorneys

Law Day Committee

Ceci Ambrosio Lisbette Balthazar Carmela Birnbaum Erica Bloom Darwin Bustarde Caron Calabrese Bobby Case Nick Cohenmeyer Amber Crothall Dawn Hall Cunneen Gary Cunneen Susan Curran Michael Curran Thomas Fischer Mimi Ford Golnar Fozi Stephanie Germani Sherry Gilbey Kenny Glatzel Paula Goforth Jerry Hansen Stephan Hoover Debra Leffler Streeter Maurizio Mangini Alan Mansfield Carrie Nolan Maria Nunez Jose Olivera Harry Powazek Dave Rubin Ione Rummery Liz Silva Suzanne Skolnick Lorena Slomanson Irene Stewart Laura Talamantes Wayne Templin Silvina Tondini Elizabeth Van Thiel John Wilschke

Erica Bloom (NCBA), Jess Booth (NCBA), Gina S. C atalano (SDLL), Mimi Ford (CRLA), Alan Mansfield (NCBA), Judge Harry Powazek (Ret.) (NCBA), Jennifer Runge (SDCL), Suzanne Skolnick (NCBA), Kenia Shi (SDLL), Lorena Slomanson (LASSD) Irene Stewart (NCBA) Irene Stewart, Esq. is the Co-Chair of the NCBA Pro Bono Committee. She can be reached at istewart@istewartlaw.com.

Volunteer Attorneys Nicole Gigliotti Kenia Shi Claire Silverstein Cheryl Weeks-Frey

Volunteer Translators and Specialists Dr. Ana Serrano Dire c tor Las Valientes & Sp anish t ranslator Sarahi Sanchez Las Valientes & Sp anish t ranslator Jamilla Del Mistro Translator Russian, Turkish, Aze rb aijani Binh (“Bing”) Huynk Translator Vie t namese

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CIVIL LAW UPDATE FOR 2025

By Wayne Templin, Esq.

LANDLORD-TENANT HIGHLIGHTS Tenancy: security deposits (2024 Cal. Legis. Serv. Ch. 280 (A.B. 2801)) AB 2801 amends Civ.C. § 1950.5 regarding security deposits. This bill limits, among other things, claims against a tenant or the security for materials or supplies and for work performed by a contractor, landlord, or landlord's employee to the amount necessary to restore the premises to the condition it was in at the tenancy's inception, exclusive of ordinary wear and tear.

For tenancies that begin on or after July 1, 2025, landlord is required to take photographs of the unit immediately before, or at the inception of, the tenancy. Beginning April 1, 2025, landlord is required to take and provide photographs within a reasonable time after possession of the unit is returned to landlord, but before any repairs or cleanings for which landlord will make a deduction from or claim against the security deposit, and within a reasonable time after such repairs or cleanings are completed.

Short-term rentals: disclosure: cleaning tasks (2024 Cal. Legis. Serv.

Ch. 510 (A.B. 2202)) AB 2202 adds Bus. & Prof. C. § 17568.8 re short-term rentals. Operative July 1, 2025, a place of short-term lodging, an internet website, application, or other similar centralized platform, or any other person is required to disclose any additional fees or charges that will be added to the total price to be paid, or other penalty that will be imposed, if the consumer fails to perform certain cleaning tasks at the end of the stay.

Implied Covenant of Quiet Enjoyment Establishing breach: See Campbell v. FPI Mgmt., Inc. (2024) 98 CA5th 1151, 1166-1167—property owner that accepted federal funds for low-income tenants created “holdover tenancy” by terminating tenancy with 3-day notice instead of legally required 30-days' notice, depriving tenants of rights pursuant to covenant of quiet enjoyment.

Landlord's statutory duty to change locks upon request of tenant victim of abuse or violence (eff. 1/1/25): Effective January 1, 2025, landlords have a statutory duty to change the locks upon the request of certain “eligible” or “protected” tenant victims of abuse or violence (as defined).

Civil liability of owner under Tenant Protection Act for excess rent payments: Owners who demand, accept, receive, or retain any rent payment in excess of the maximum allowed by Civ.C. § 1947.12 may be liable to those tenants in a civil action for injunctive relief, damages, attorney fees, and treble damages. In an action for injunctive relief, it is presumed that the tenant suffered irreparable harm. [New Civ.C. § 1947.12(k)]

Immunity re use of recreational trails and access roads: See Helm v.

City of Los Angeles (2024) 101 CA5th 1219, 1226-1231—trail immunity barred pedestrian's claims where, when trying to access trail to lake, he tripped over wire cable stretched between wooden posts to prevent vehicle access.

Owner/relative occupancy: The Civ.C. § 1946.2 provisions regarding termination based on owner/relative occupancy have been amended and expanded. [New and amended Civ.C. § 1946.2(b)(2)(A)(i), (iii), (iv), (v), (vi)] & (vii)] Substantially remodel: A tenant is not required to vacate for intent to demolish or substantially remodel on any days where the tenant could continue living in the property without violating health, safety, and habitability codes and laws. New requirements for written notice terminating a tenancy on this basis apply. [New Civ.C. § 1946.2(b)(2)(D)(iii), (iv)]

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CIVIL LAW UPDATE ...continued...

FOR 2025

Owner liability for material violation of Civ.C. § 1946.2, injunctive relief: An owner who attempts to recover possession of the unit in material violation of Civ.C. § 1946.2 may be liable to the tenant in a civil action for actual damages, in the court's discretion, reasonable attorney fees and costs, and treble damages upon a showing that the owner acted willfully or with oppression, fraud or malice. Additionally, a punitive damages award may be entered for the benefit of the tenant against the owner. The Attorney General, city attorney or county counsel may seek injunctive relief. [New Civ.C. § 1946.2(h)] Notice exception under Protecting Tenants at Foreclosure Act of 2009: See Campbell v. FPI Mgmt., Inc. (2024) 98 CA5th 1151, 1164-1165—landlord providing subsidized housing pursuant to federal statute was required by statute to provide 30 days' notice of termination of tenancy but could also, 27 days later, provide three-day notice and opportunity to pay under CCP § 1161(2) before terminating tenancy for nonpayment of rent.

Exemption for mobilehome park tenancy terminations repealed eff. 1/1/25: Effective January 1, 2025, the exemption for access to case records under CCP § 1161.2(e) for mobilehome park tenancy terminations is repealed. [Amended CCP § 1161.2] Dismissal and retention of jurisdiction (eff. 1/1/25): Effective January 1, 2025, significant amendments to CCP § 664.6 become operative. ] Limitation on master calendar rule for telephone assignments by clerk: See Lorch v. Sup.Ct. (Kia Motors America, Inc.) (2024) 101 CA5th 1266, 1275, 1277— master calendar rule was not triggered by court clerk's voicemail re judge assignment for trial purposes and where parties were not notified assigning judge was acting as master calendar judge.

Postjudgment fees incurred to enforce judgment: See Nash v. Aprea (2023) 96 CA5th 21, 32—lease provision authorizing prevailing party attorney fees not to exceed $1,000 was merged into and extinguished by judgment in tenants' favor, thus allowing postjudgment attorney fees award of $27,721 incurred in enforcing judgment under CCP § 685.040.

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CIVIL LAW UPDATE ...Continued

FOR 2025

MORE ODDS AND ENDS AB 3013, Maienschein. Courts: Remote Court Reporting. AB 3013, Maienschein. Courts: Remote Court Reporting.

This bill would authorize, beginning July 1, 2025, the Superior Courts of the Counties of Alameda, Contra Costa, Los Angeles, Mendocino, Monterey, Orange, San Bernardino, San Diego, San Joaquin, San Mateo, Santa Clara, Tulare, and Ventura to conduct pilot projects to study the potential use of remote court reporting to make the verbatim record of certain court proceedings.

AB 3100, Low. Assumption Of Mortgage Loans: Dissolution Of Marriage. An Act To Add Section 2951 To The Civil Code, Relating To Mortgage Loans.

This bill would require a conventional home mortgage loan originated on or after January 1, 2027, and secured by owneroccupied residential real property containing 4 or fewer dwelling units with multiple borrowers to include provisions to allow for any of the existing borrowers to purchase the property interest of another borrower on the loan by assuming the seller’s portion of the mortgage under specified circumstances if the assuming borrower qualifies for the underlying loan, as determined by the lender.

SB 1061, Limón. Consumer Debt: Medical Debt. An Act To Amend Sections 1785.3, 1785.13, 1786.18, And 1788.14 Of, And To Add Sections 1785.20.6 And 1785.27 To, The Civil Code, To Amend Sections 1371.56, 1371.9, 1797.233, And 127425 Of The Health And Safety Code, And To Amend Sections 10112.8 And 10126.66 Of, And To Add Section 10112.75 To, The Insurance Code, Relating To Consumer Debt.

This bill would prohibit a consumer credit reporting agency or an investigative consumer reporting agency from making a consumer credit report or an investigative consumer report containing information about medical debt, as defined. The bill would prohibit a person who uses a consumer credit report in connection with a credit transaction from using medical debt listed on the report as a negative factor when making a credit decision.

SB 1217, Glazer. Pet Insurance. An Act To Amend Sections 12880 And 12880.2 Of, And To Add Sections 12880.7 And 12880.8 To, The Insurance Code, Relating To Pet Insurance.

This bill would require an insurer to disclose if it reduces coverage or increases premiums based on the age of the covered pet or a change in the geographic location of the insured, as well as if it requires a medical examination to effectuate coverage or imposes a waiting period. The bill would authorize the issuance of a pet insurance policy that excludes preexisting conditions or imposes a waiting period, if specified criteria are met.

SB 1286, Min. Rosenthal Fair Debt Collection Practices Act: Covered Debt: Commercial Debts. An Act To Amend Sections 1788.1, 1788.2, 1788.10, 1788.11, 1788.12, 1788.13, 1788.14, 1788.14.5, 1788.15, 1788.16, 1788.17, 1788.18, 1788.20, 1788.21, And 1788.22 Of The Civil Code, And To Amend Section 100001 Of The Financial Code, Relating To Debt Collection.

This bill would recast provisions to expand the scope of the provisions to additionally prohibit debt collectors from engaging in unfair or deceptive acts or practices in the collection of covered commercial debts, as defined, entered into, renewed, sold, or assigned on or after July 1, 2025, and to make conforming changes

Wayne Templin practices landlord-tenant law, real property disputes, business disputes, contractor issues, personal injury, and more. He can be reached at (760) 743-0222

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Summer Reading Recommendations Presumed Guilty Book by Scott Turow

Presumed Guilty is the latest of several novels by trial lawyer Scott Turow. Rusty Sabich, a retired judge is living in a rural predominantly white community with Bea, his wife to be, who has an adopted black son, Aaron who is in a turbulent relationship with Mae the daughter of a local prosecutor. Aaron is on probation for drug possession and living under their supervision.

Mae’s erratic behavior and substance abuse cause a breakup, but after a while Aaron decides to go on a camping trip with Mae, who he wants to marry. While camping, she gets high on drugs and a heated argument ensues with the result that Aaron hitchhikes home. Mae doesn’t return home and is later found dead. Aaron is arrested and charged with murder.

As the trial date approaches Rusty acquiesces to the pleas of Bea and Arron’s that he take over the role of Defendant’s Attorney in the trial. The Prosecuting Attorney is Hiram Jackdorp. He is a caricature of a veteran prosecutor, who is seeking a conviction regardless of whether that would be just. The courtroom scenes are masterfully portrayed with gripping intensity. Will the jury provide justice for Aaron, who is presumed guilty?

Reviewed by: Bill Kamenjarin, Esq.

After Oz: A Novel by Gordon McAlpine Gordon McAlpine’s After Oz is a dark, inventive literary mystery that imagines an unsettling aftermath to Dorothy’s legendary journey. Set in 1896 Kansas four years before publication of L. Frank Baum’s classic, After Oz follows Dorothy after the storm we know so well as she becomes entangled in a murder investigation.

Branded unstable for her fantastical stories of a magical land, Dorothy now faces murder charges after acknowledging that she “melted” a wicked witch – which coincides with the apparent murder of the town’s mysterious spinster.

Enter Dr. Evelyn Grace Wilford, a psychoanalyst from the East Coast and the fictional cousin of journalist L. Frank Baum. Dispatched to Kansas to evaluate Dorothy’s mental state, Dr. Wilford soon finds herself drawn into deeper mysteries. As she unravels Dorothy’s past and her unsettling accounts of Oz, disturbing secrets emerge that blur the line between delusion and reality. What begins as a clinical assessment morphs into a layered exploration of trauma, memory, and myth.

McAlpine masterfully fuses psychological drama, historical fiction, and literary metafiction. With rich period detail and noir undercurrents, readers drawn to reimagined classics and intricate mysteries will find After Oz both compelling and thought-provoking.

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Theft by Abdulrazak Gurnah I don’t think the women in my book club were particularly thrilled when the votes were counted last month. I know I wasn’t. Books by Nobel Prize winners have been known to be difficult to finish. Or even start for that matter. Take James Joyce, Han Kang and Hans Transtormer et al. But Theft by Abulrazak Gurnhah did not disappoint. We all adored it. Awarded the Nobel Prize in Literature in 2021, the Swedes said that they chose Abdulrazak Gurnah "for his uncompromising and compassionate penetration of the effects of colonialism and the fate of the refugee in the gulf between cultures and continents.” And while many of Gurnah’s previous works have dealt with big issues like colonialism, violence and war, this book – his latest – is smaller in scope and more intimate in detail.

The novel is set in 1980s Tanzania and tells the coming of age of three teenagers: the handsome and educated Karim who is moving up in the world, Fauzia, an epileptic school girl with whom Karim falls in love with and marries and Badar, a dutiful servant boy who is wise beyond his years.

The Guardian called it “a quietly powerful demonstration of storytelling mastery” and The Irish Times said it was yet “another glittering tapestry of a novel from a master storyteller of our times.” The New York Times called it “ a satisfying melodrama … with an engrossing climax,” which I think is an understatement.

Calling this novel a family melodrama is selling it short. It is in no way melodramatic and the characters are drawn with so much depth, they feel completely true to life. It is a small, quiet book about simple people just trying to get by and find a measure of happiness in a poor Muslim country scared by colonialism. It found it a real page-turner, beautifully written and quite profound.

Reviewed by: Ruth Marvin Webster, Esq.

Reviewed by: Dave Branfman, Esq.

UPCOMING EVENTS OCT. 2

NCBA Board of Directors Election Ends

Deadline

Questions? Email Info@northcountybar.org

OCT. 8TH MCLE

OCT. 29TH Seminar & Dinner

NOV. 5TH

Estate Planning Tips and Techniques to Avoid Litigation The Pivot: Stories of Reinvention & Lessons in Resilience ADR Seminar 2025: Part 1

Lunch Seminar

ADR Section MCLE

NOV. 6TH

November Bar Dinner

Bar Dinner

NOV. 12TH Section Meeting

Save The Date

Trusts & Estate Section Holiday Party Save The Date

NOV. 20TH Substance Abuse in the Legal Profession: Bar Wide MCLE

Prevention, Detection, and Treatment

DEC. 6TH

NCBA Annual Holiday Party

The Other Bar and Free for NCBA Members

Section Meeting

Save The Date

DEC. 18TH

Teenagers & Custody: It's Complicated

MCLE

presented by Minor's Counsel.

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SPEAKERS:

NORTH COUNTY BAR ASSOCIATION SEMINAR & DINNER | 1.0 WELLNESS CREDIT 29 OCTOBER, 2025 | 5:30 PM - 8:30 PM

HON. HARRY POWAZEK (RET.)

ALAN MANSFIELD, ESQ.

ED BURNS, ESQ.

$50.00 NCBA MEMBERS $65.00 NON NCBA MEMBERS $40.00 LAW STUDENT

PIVOT THE

Three Stories of Reinvention & Lessons in Resilience FOR MORE INFORMATION PLEASE VISIT WWW.NORTHCOUNTYBAR.ORG