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Anderson v. Ashby, 873 So. 2d 168 (Ala. May 16, 2003).Case BriefProcedural History: This is an appeal case from the Limestone Circuit Court where Michael Anderson, both the general manager for American General Finance and Merit Life Insurance Company is appealing to a holding regarding the denial of an arbitration agreement stated in contract with Mary and Jimmy Ashby.Facts: A contract was signed by Jimmy Ashby, Mary Ashby’s husband, for a loan in the amount of $5,000 to pay off some debt that the elderly couple had. Mr. Ashby also signed for a credit life-insurance plan, incase something were to happen to him, his wife would be relieved of said loan’s debt.Anderson was the person in contact for the Ashbys with both the loan and credit-life insurance process. The Ashbys were infact illiterate and uneducated and so the contract needed to be restated orally in order for them to understand. Anderson, the general manager of American General Finance Company, claimed that he