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Business Records Exception

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In Ct102 Llc v. Nextgear Capital, No. 20A-CC-1909, 2021 Ind. App. Unpub. LEXIS 223, at *3-5 (Ct. App. Mar. 19, 2021), the Court of Appeals affirmed the trial court's finding of damages sustained by a floorplan lender. The facts and procedure were as follows: On remand, the trial court held an evidentiary hearing on damages on October 6, 2020. Tr. Vol.… Read More

In Bank of Am., N.A. v. Byrd, No. G056792, 2019 Cal. App. Unpub. LEXIS 7176 (Oct. 28, 2019), Bank of America, N.A. (the Bank) sued Pamela K. Byrd to recover over $32,000 in credit card debt. The trial court found the Bank's last credit card statement to Byrd constituted a final rendering of the account, and Byrd impliedly agreed to pay… Read More

In Scott v. Monterey Financial Services, LLC., 2018 WL 452359, at *2 (N.D.Ind., 2018), Judge Simon found a triable issue of fact sufficient to defeat summary judgment because, in part, of discrepancies in the defendant's call logs and business records. Scott attempts to cast doubt on the reliability of Monterey’s records of the call history by presenting evidence of the omission… Read More

In Ford Motor Credit Co. LLC v. Harris, --- S.W.3d ----, 2012 WL 5464340 (Mo.App. S.D. 2012), the Missouri Court of Appeal affirmed a trial court’s finding that the sale of a vehicle at auto auction was commercially reasonable. The Court had some troubling language regarding the auto finance company’s ability to offer custodian-of-records testimony as to documents that it… Read More

In HSBC Bank Nevada, N.A. v. Aguilar, --- Cal.Rptr.3d ----, 2012 WL 1813379 (Cal.Super.A.D. 2012), the Appellate Division of the Superior Court required the superior court clerk to enter default judgments in debt collection cases.  Once a default has been entered on proper service of process, no further prove-up is necessary and the court clerk’s requirement as a condition of… Read More

Hostility exists with regard to the use of secondary evidence to collect debts.  Remember McCullough, where the Court of Appeals for the Ninth Circuit rejected the claim that secondary evidence of forms containing an attorneys' fees clause was insufficient to justify a claim for attorneys' fees?  Recently, the Missouri Supreme Court held that a debt assignee's secondary testimony was insufficient… Read More

In Quinones v. Chase Bank USA, N.A., 2011 WL 4498985 (S.D.Cal. 2011), Judge Battaglia addressed a rather complicated factual pattern relating to whether a debt collector improperly collected a debt from the father or the son.  In addressing the debt collector’s motion for summary judgment, Judge Battaglia overruled Plaintiff’s objections to the debt collector’s custodian of records declaration:    Plaintiffs… Read More