Under Civil Code 1632, which scenario requires a consumer installment contract to be translated into Spanish?

• A. When the contract is negotiated entirely in Spanish and the purchaser provides his or her own interpreter
• B. When funeral goods and services are advertised in Spanish
• C. When the contract is negotiated primarily in Spanish and the purchaser does not provide his or her interpreter
• D. When the contract is negotiated primarily in Spanish and the purchaser provides his or her interpreter

Answer: (C)

Civil Code 1632 ensures that consumers who primarily speak Spanish can understand the terms of a consumer installment contract. The translation requirement kicks in when the contract is negotiated mainly in Spanish and the purchaser does not provide his or her own interpreter. In that scenario, the seller must provide a Spanish translation of the contract so the buyer can fully review terms like payment schedule, interest, and other obligations. If the contract is already negotiated entirely in Spanish, or if the purchaser brings an interpreter, the statute’s trigger isn’t activated. Advertising in Spanish alone does not create the duty to translate the contract.