In 2006, Cynthia and Thomas Jackson obtained a residential loan from Household Finance Corporation III and subsequently defaulted on the loan. At trial, Household Finance Corp III sought to admit business records relating to the Jackson’s mortgage account into evidence under the business records exception to the hearsay rule, using testimony from a witness to authenticate the records. The Jacksons objected, but the trial court admitted the records into evidence and ultimately entered a judgment of foreclosure in favor of Household Finance Corp III. The Jacksons appealed. The Second District Court of Appeal found that the trial court properly admitted the records but certified conflict with another appellate court decision. The Jacksons asked this Court for review.

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