I believe cats can talk. Of course, they're finicky and private souls so they rarely talk to people. But they could if they wanted to.
My Gizmo not only talks, he won't shut up.
Officially, he's Becca's sidekick in "Make-Believe Lover" at Ellora's Cave.
Gizmo tried to steal the show in the book. He's a saucy little guy who gets himself and Becca into trouble more than once. When I say trouble I mean TROUBLE. His big mouth almost made them dragon fodder.
Despite all this, I adore Gizmo. He's my kind of guy ~ witty, sarcastic, cuddly, furry, and loyal.
Of course, I'm a cat lover. Ask anyone in my family (that includes extended family) and that will be my moniker ~ "cat lover".