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Question from FightingbackMomNov-3

In a credit card law suit, does the credit card statements they filed have to be authenticated by the original creditor? Or can they just submit copies? Thanks!

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pg1067 Nov-3 89217.2

"does the credit card statements they filed have to be authenticated by the original creditor? Or can they just submit copies?"

I'm not sure who "they" are.  Nor is it clear why you've phrased these two questions as though they're mutually exclusive things.  In most cases, copies will be used as evidence, but those copies must be authenticated.  If that doesn't answer your question, you might want to clarify what you're asking.

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FightingbackMom Nov-3 89217.3
I am sorry, I am in the middle of a law suit with CACH,LLC They have sent me copies of credit card statements that they are sueing me over. These were attached to their Discovery request. I am in Arkansas and I know they have some strange laws. My question is do they have to be authenticated to be used in court against me? Thank You for Your help with this!
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pg1067 Nov-4 89217.4

"I am in the middle of a law suit with CACH,LLC They have sent me copies of credit card statements that they are sueing me over."

That explains the confusion.  I wasn't asking you to identify the plaintiff.  Rather, your use of "they" seemed out of place.  The entity you mentioned is an "it."  "They" is a plural pronoun -- i.e., it is used to refer to more than two persons, places, or things (e.g., Are Bobby and Brooke coming over to play?  They are very nice.).  Anyway...

Yes, any evidence will have to be authenticated before it can be admitted.  And, since a credit card statement would be offered in order to prove the truth of the facts stated on the statement (i.e., that you owe the money as set forth on the statement), the creditor will need to lay a foundation for the business records exception to the rule against hearsay evidence.

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