RAY THORNTON, Justice.
This case involves a mortgage and note made by appellants Milton H. Jackson and Mary A. Jackson to Twin Arkansas Home Improvements on May 20, 1985. Appellee Mundaca Financial Services, an assignee and the current holder of the mortgage, filed suit for foreclosure on appellants' home on September 10, 1999. Appellants answered and filed a counterclaim, alleging that the note and mortgage violated the usury laws of Arkansas.
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