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Advance America contends that the test court erred by addressing the merits of Garrett’s underlying claim of usury instead of resolving the strictly procedural question of this appropriateness of course official certification.

Advance America contends that the test court erred by addressing the merits of Garrett’s underlying claim of usury instead of resolving the strictly procedural question of this appropriateness of course official certification.

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Advance America contends that the test court erred by addressing the merits of Garrett’s underlying claim of usury instead of resolving the strictly procedural question of this appropriateness of course official certification. We agree. Ark. R. Civ. P. 23 (2000) provides that an effort court may approve a course as long as the following conditions are met: (1) the course is really many that joinder of most users is impracticable, (2) you will find concerns of legislation or reality typical…

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