Collection Actions: 4.2.4.6 Consumer Authentication of Creditor’s Business Records
At trial, the collector may seek to avoid bringing in a witness to authenticate business records by trying to have the consumer do so. This can be avoided if the consumer is not in court and has not been timely subpoenaed to attend. Even if consumers are in court, the consumers should state that they are not familiar with how the records were created, do not have their own copies of records in their possession, and do not recall whether any copies they did receive are exact copies of the records the collector is asking them to authenticate.