25-20689-0 ZC5 010
IN THE DISTRICT COURT OF TULSA COUNTY
STATE OF OKLAHOMA
TD Bank, N.A.,
)
)
)
)
Plaintiff,
vs.
)
)
)
)
Richard Shepler,
)
)
)
) Defendant.
PETITION FOR INDEBTEDNESS
COMES NOW the Plaintiff, by and through its undersigned attorneys who hereby enter their appearance herein, and for its cause of action against the defendant alleges and states as follows:
1. Defendant executed a contract with Plaintiff relating to the purchase of collateral with the account number XXXXXX1981. The contract granted to plaintiff a security interest in the collateral. Defendant defaulted on the obligations required under the contract. After all due credits were applied to the indebtedness owed by the defendant, there remained a balance due.
2. Defendant remains indebted to Plaintiff in the amount of $31,896.52, inclusive of credits, adjustments, interest, and fees, if applicable.
WHEREFORE, Plaintiff prays for Judgment against Defendant in the sum of $31,896.52, with interest at the statutory rate from the date of judgment, all court costs and a reasonable attorney's fee, and for such other and further relief as this Court may deem equitable, just and proper.
William L. Nixon, Jr., #012804
Harley L. Homjak, #019736
Peggy S. Horinek, #010344
Jenifer A. Gani, #021876
Alexander M. Hall, #33900
Mariah S. Ellicott, #36309
Mingmei "Elaine" Pok, #36236
LOVE, BEAL & NIXON, P.C.
Attorney for Plaintiff
P.O. Box 32738
Oklahoma City, OK 73123
Telephone: 405-720-0565
E-Mail:
[email protected]
Creditor Name: TD BANK, N.A.
Debtor Name: RICHARD SHEPLER
Creditor Ref. No XXXXXXX1981
AFFIDAVIT OF INDEBTEDNESS
STATE OF FLORIDA )
) ss.
COUNTY OF DUVAL )
I, Lauren Hoskins, declare as follows:
1. I am a competent person over eighteen years of age. I am an authorized agent for TD Bank, N.A. (CREDITOR).
2. In the performance of my duties for TD Bank, N.A., I am familiar with the manner and method by which TD Bank, N.A. creates and maintains its normal business books and records, including computer records of its accounts held under the name of this CREDITOR.
3. Upon information and belief of TD Bank, N.A.'s business records and practices for servicing of its accounts, the contents of this Declaration are true and correct. If called upon and sworn to testify hereto I could and would so competently testify thereto.
4. In the ordinary course of business TD Bank, N.A. maintains or has access to copies of agreements/credit card applications entered into by the customer/debtor. The agreement specifically provides that TD Bank, N.A. is entitled to recover, to the extent permitted by applicable law, its reasonable attorney's fees and costs incurred in any action to enforce its rights under the agreement.
5. In addition to the foregoing, TD Bank, N.A. maintains, as a regular practice of its business, computer records of activity on CREDITOR accounts, including payments received and amounts owing on such accounts. It is the regular practice of TD Bank, N.A.'s business that entries may be made in such computer records only by individuals having personal knowledge (from examining account documentation) of the information reflected therein and that such entries be made at or near the time the events reflected in them occurred.
6. The name of the Original Creditor is TD Bank, N.A..
7. The account was opened on the June 4, 2019.
8. RICHARD SHEPLER, entered into an agreement with TD Bank, N.A. for the purchase of a vehicle.
9. The agreement immediately assigned this account to TD Bank, N.A.
10. The balance due and owing to TD Bank, N.A. by the account holder(s) on Account Number XXXXXXX1981 as of the date hereof is $31,896.52 amount, plus any interest accrued post default as allowed by law.
I declare under the penalty of perjury that the foregoing is true and correct to the best of my knowledge.
[handwritten] Jean Hoskin [/handwritten]
Affiant Name
11/4/25
Date
Subscribed and sworn to before me this 4 day of November, 2025.
My Commission Expires:
11/4/28
[handwritten]
Notary Public
[/handwritten]
[stamp]
SANDY MARTINEZ
NOTARY PUBLIC - State of Florida
Commission # HH 62944;
My Comm. Expires Nov 6, 2028
[/stamp]
ILAW 553-OK-eps 7/18
RETAIL INSTALLMENT SALE CONTRACT
SIMPLE FINANCE CHARGE
Dealer Number __________________ Contract Number ____________________________
Buyer Name and Address (Including County and Zip Code)
RICHARD SHEPLER
2707 E 171ST ST S
MOUNDS, OK 74047
CREEK
Co-Buyer Name and Address (Including County and Zip Code)
NA
Seller-Creditor (Name and Address)
DON THORNTON CADILLAC
9839 S. Memorial
Tulsa, OK 74145
You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements in this contract. You agree to pay the Seller - Creditor (sometimes "we" or "us" in this contract) the Amount Financed and Finance Charge in U.S. funds according to the payment schedule below. We will figure your finance charge on a daily basis. The Truth-In-Lending Disclosures below are part of this contract.
<table>
<tr>
<th>New/Used</th>
<th>Year</th>
<th>Make and Model</th>
<th>Odometer</th>
<th>Vehicle Identification Number</th>
<th>Primary Use For Which Purchased</th>
</tr>
<tr>
<td>USED</td>
<td>2015</td>
<td>CADILLAC<br>ESCALADE ESV</td>
<td>70816</td>
<td>1GYS4UKJXFR607421</td>
<td>Personal, family, or household unless otherwise indicated below<br>☐ business<br>☐ agricultural ☐ N/A</td>
</tr>
</table>
FEDERAL TRUTH-IN-LENDING DISCLOSURES
<table>
<tr>
<th>ANNUAL PERCENTAGE RATE<br>The cost of your credit as a yearly rate.</th>
<th>FINANCE CHARGE<br>The dollar amount the credit will cost you.</th>
<th>Amount Financed<br>The amount of credit provided to you or on your behalf.</th>
<th>Total of Payments<br>The amount you will have paid after you have made all payments as scheduled.</th>
<th>Total Sale Price<br>The total cost of your purchase on credit, including your down payment of $ _83.07__ is __$ ___71,953.47__</th>
</tr>
<tr>
<td>12.09 %</td>
<td>$ 21,189.47</td>
<td>$ 50,880.93</td>
<td>$ 71,870.40</td>
<td>$ 71,953.47</td>
</tr>
</table>
Your Payment Schedule Will Be:
<table>
<tr>
<th>Number of Payments</th>
<th>Amount of Payments</th>
<th>When Payments Are Due</th>
</tr>
<tr>
<td>72</td>
<td>998.20</td>
<td>Monthly beginning<br>07/19/19</td>
</tr>
<tr>
<td>N/A</td>
<td>N/A</td>
<td>N/A</td>
</tr>
</table>
Or As Follows: N/A
Late Charge. If payment is not received in full within 10 days after it is due, you will pay a late charge of $ ____25.50____ or __5___% of the part of the payment that is late, whichever is greater.
Prepayment. If you pay early, you will not have to pay a penalty.
Security Interest. You are giving a security interest in the vehicle being purchased.
Additional Information: See this contract for more information including information about nonpayment, default, any required repayment in full before the scheduled date and security interest.
Used Car Buyers Guide. The information you see on the window form for this vehicle is part of this contract. Information on the window form overrides any contrary provisions in the contract of sale.
Spanish Translation: Guía para compradoras de vehículos usados. La información que ve en el formulario de la ventana para este vehículo forma parte del presente contrato. La Información del formulario de la ventana deja sin efecto toda disposición en contrario contenida en el contrato de venta.
VENDOR'S SINGLE INTEREST INSURANCE (VSI insurance): If the preceding box is checked, the Creditor requires VSI insurance for the initial term of the contract to protect the Creditor for loss or damage to the vehicle (collision, fire, theft). VSI insurance is for the Creditor's sole protection. This insurance does not protect your interest in the vehicle. You may choose the insurance company through which the VSI Insurance is obtained. If you elect to purchase VSI insurance through the Creditor, the cost of this insurance is $ ____N/A_____ and is also shown in item 4B of the Itemization of Amount Financed. The coverage is for the initial term of the contract. Any insurer issuing VSI insurance waives its rights to subrogation against the buyer.
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor) may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract.
HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to this contract must be in writing and we must sign it. No oral changes are binding. Buyer Signs X _______ Co-Buyer Signs X N/A
If any part of this contract is not valid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them. For example, we may extend the time for making some payments without extending the time for making others.
See the rest of this contract for other important agreements.
Buyer Signs X _______ Co-Buyer Signs X N/A
Customer Copy
ITEMIZATION OF AMOUNT FINANCED
1 Cash Price (including $ N/A sales/excise tax) $ 47,900.00 (1)
2 Total Downpayment =
Trade-in ____________ 2009 CADILLAC ESCALADE ESV
(Year) (Make) (Model)
Gross Trade-In Allowance $ 9,000.00
Less Pay Off Made By Seller $ -15,416.93
Equals Net Trade In $ -8,416.93
+ Cash $ 8,500.00
+ Other N/A $ N/A
(If total downpayment is negative, enter "0" and see 4 below)
$ 83.07 (2)
3 Unpaid Balance of Cash Price (1 minus 2) $ 47,816.93 (3)
4 Other Charges including Amounts Paid to Others on Your Behalf
(Seller may keep part of these amounts):
A Cost of Optional Credit Insurance Paid to Insurance Company or Companies.
Life $ N/A
Disability $ N/A $ N/A
B Vendor's Single Interest Insurance Paid to Insurance Company $ N/A
C Other Optional Insurance Paid to Insurance Company or Companies $ N/A
D Optional Gap Contract $ 885.00
E Official Fees Paid to Government Agencies
to N/A for N/A $ N/A
to N/A for N/A $ N/A
to N/A for N/A $ N/A
F Government Taxes Not Included in Cash Price $ N/A
G Government License and/or Registration Fees $ 10.00
H Government Certificate of Title Fees $ N/A
I Other Charges (Seller must identify who is paid and describe purpose.)
to N/A for Prior Credit or Lease Balance $ N/A
to DON THORNTON CADILLAC for DOC FEE $ 148.00
to N/A for N/A $ N/A
to N/A for N/A $ N/A
to N/A for N/A $ N/A
to N/A for N/A $ N/A
toSELECT PROTECTION for SELECT PROTECTION $ 1,810.00
toN/A forN/A $ N/A
toN/A forN/A $ N/A
toN/A forN/A $ N/A
toN/A forN/A $ N/A
Total Other Charges and Amounts Paid to Others on Your Behalf $ 2,864.00 (4)
5 Amount Financed (3 + 4) $ 50,680.93 (5)
OPTION: [ ] You pay no finance charge if the Amount Financed, item 5, is paid in full on or before N/A Year N/A SELLER'S INITIALS [ ]
NO COOLING OFF PERIOD
State law does not provide for a "cooling off" or cancellation period for this sale. After you sign this contract, you may only cancel it if the seller agrees or for legal cause. You cannot cancel this contract simply because you change your mind. This notice does not apply to home solicitation sales.
OPTIONAL GAP CONTRACT. A gap contract (debt cancellation contract) is not required to obtain credit and will not be provided unless you sign below and agree to pay the extra charge. If you choose to buy a gap contract, the charge is shown in Item 4D of the Itemization of Amount Financed. See your gap contract for details on the terms and conditions it provides. It is a part of this contract.
Term 72 Mos. ZURICH Name of Gap Contract
I want to buy a gap contract.
Buyer Signs X ____________________________
Insurance. You may buy the physical damage insurance this contract requires from anyone you choose who is acceptable to us. You are not required to buy any other insurance to obtain credit unless the box indicating Vendor's Single Interest Insurance is required is checked on page 1 of this contract.
If any insurance is checked below, policies or certificates from the named insurance companies will describe the terms and conditions.
Check the insurance you want and sign below:
Optional Credit Insurance
[ ] Credit Life: [ ] Buyer [ ] Co-Buyer [ ] Both
[ ] Credit Disability: [ ] Buyer [ ] Co-Buyer [ ] Both
Premium:
Credit Life $ 0.00
Credit Disability $ N/A
Insurance Company Name N/A
Home Office Address N/A
Credit life insurance and credit disability insurance are not required to obtain credit. Your decision to buy or not buy credit life insurance and credit disability insurance will not be a factor in the credit approval process. They will not be provided unless you sign and agree to pay the extra cost. If you choose this insurance, the cost is shown in Item 4A of the Itemization of Amount Financed. Credit life insurance is based on your original payment schedule. This insurance may not pay all you owe on this contract if you make late payments. Credit disability insurance does not cover any increase in your payment or in the number of payments. Coverage for credit life insurance and credit disability insurance ends on the original due date for the last payment unless a different term for the insurance is shown below.
Other Optional Insurance
[ ] N/A Type of Insurance N/A Term
Premium $ N/A
Insurance Company Name N/A
Home Office Address N/A
Other optional insurance is not required to obtain credit. Your decision to buy or not buy other optional insurance will not be a factor in the credit approval process. It will not be provided unless you sign and agree to pay the extra cost.
I want the insurance checked above.
X ____________________________ N/A Buyer Signature Date ________
X N/A Co-Buyer Signature Date ________
THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. WITHOUT SUCH INSURANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS.
Returned Check Charge: You agree to pay a charge of $ 25.00 if any check you give us is dishonored.
LAW 553-OK-eps 7/18 v1 Page 2 of 4
OTHER IMPORTANT AGREEMENTS
1. FINANCE CHARGE AND PAYMENTS
a. How we will figure Finance Charge. We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed.
b. How we will apply payments. We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose.
c. How late payments or early payments change what you must pay. We based the Finance Charge, Total of Payments, and Total Sale Price shown on page 1 of this contract, on the assumption that you will make every payment on the day it is due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due.
d. You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up to the date of your payment.
e. Your right to refinance a balloon payment. A balloon payment is a scheduled payment that is more than twice as large as the average of your earlier scheduled payments. If you are buying the vehicle primarily for personal, family or household use, you have the right to refinance the balloon payment when due without penalty. The terms of the refinancing will be no less favorable to you than the terms of this contract. This provision does not apply if we adjusted your payment schedule to your seasonal or irregular income.
2. YOUR OTHER PROMISES TO US
a. If the vehicle is damaged, destroyed, or missing. You agree to pay us all you owe under this contract even if the vehicle is damaged, destroyed, or missing.
b. Using the vehicle. You agree not to remove the vehicle from the U.S. or Canada, or to sell, rent, lease, or transfer any interest in the vehicle or this contract without our written permission. You agree not to expose the vehicle to misuse, seizure, confiscation, or involuntary transfer. If we pay any repair bills, storage bills, taxes, fines, or charges on the vehicle, you agree to repay the amount when we ask for it.
c. Security Interest.
You give us a security interest in:
• The vehicle and all parts or goods put on it;
• All money or goods received (proceeds) for the vehicle;
• All insurance, maintenance, service, or other contracts we finance for you; and
• All proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts.
This secures payment of all you owe on this contract. It also secures your other agreements in this contract. You will make sure the title shows our security interest (lien) in the vehicle. You will not allow any other security interest to be placed on the title without our written permission.
d. insurance you must have on the vehicle. You agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. If you do not have this insurance, we may, if we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. If we buy either type of insurance, we will tell you which type and the charge you must pay. The charge will be the premium for the insurance and a finance charge computed at the Annual Percentage Rate shown on page 1 of this contract. If the vehicle is lost or damaged, you agree that we may use any insurance settlement to reduce what you owe or repair the vehicle.
e. What happens to returned insurance, maintenance, service, or other contract charges. If we get a refund of insurance, maintenance, service, or other contract charges, you agree that we may subtract the refund from what you owe.
3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES
a. You may owe late charges. You will pay a late charge on each late payment as shown on page 1 of this contract. Acceptance of a late payment does not excuse your late payment or mean that you may keep making late payments. If you pay late, we may also take the steps described below.
b. You may have to pay all you owe at once. If you break your promises (default), we may demand that you pay all you owe on this contract at once. Default means:
• You do not pay any payment on time;
• You give false, incomplete, or misleading information on a credit application;
• You start a proceeding in bankruptcy or one is started against you or your property; or
• You break any agreements in this contract.
The amount you will owe will be the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any amounts due because you defaulted.
c. You may have to pay collection costs. If we hire an attorney who is not our salaried employee to collect what you owe, you will pay the attorney's fee and court costs the law permits. The maximum attorney's fee you will pay will be 15% of the amount you owe, unless a court awards an additional amount.
d. We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you if we do so peacefully and if the law allows it. If your vehicle has an electronic tracking device, you agree that we may use the device to find the vehicle. If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle. If any personal items are in the vehicle, we may store them for you at your expense. If you do not ask for these items back, we may dispose of them as the law allows.
e. How you get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back (redeem). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle.
f. We will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. We will apply the money from the sale, less allowed expenses, to the amount you owe. Allowed expenses are expenses we pay as a direct result of taking the vehicle, holding it, preparing it for sale, and selling it. Attorney fees and court costs, if the law permits, are also allowed expenses. If any money is left (surplus), we will pay it to you unless the law requires us to pay it to someone else. If money from the sale is not enough to pay the amount you owe, you must pay the rest to us unless the law provides otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest lawful rate until you pay.
g. What we may do about optional insurance, maintenance, service, or other contracts. This contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owe at once or we repossess the vehicle, you agree that we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe or repair the vehicle. If the vehicle is a total loss because it is confiscated, damaged, or stolen, we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe.
4. WARRANTIES SELLER DISCLAIMS
Unless the Seller makes a written warranty, or enters into a service contract within 90 days from the date of this contract, the Seller makes no warranties, express or implied, on the vehicle, and there will be no implied warranties of merchantability or of fitness for a particular purpose.
This provision does not affect any warranties covering the vehicle that the vehicle manufacturer may provide.
5. SERVICING AND COLLECTION CONTACTS
You agree that we may try to contact you in writing, by e-mail, or using prerecorded/artificial voice messages, text messages, and automatic telephone dialing systems, as the law allows. You also agree that we may try to contact you in these and other ways at any address or telephone number you provide us, even if the telephone number is a cell phone number or the contact results in a charge to you.
6. APPLICABLE LAW
Federal law and the law of the state of our address shown on page 1 of this contract apply to this contract.
TD Bank, NA
EXPLANATION OF BALANCE VARIANCE
Account Number: XXXXXXX1981
State: OK
We show the account was assigned for: $ (A) 31,896.52
(This amount must exclude Post Charge-Off Interest)
Less payments since assigned: $ 0.00
Amount sought as Judgment Principle: $ (B) 31,896.52
If (A) does not equal (B), and the balance on the attached affidavit is different from yours because:
☐ a. Late Fees
This court will not award late charges, $____________ was waived.
☐ b. Interest Variances
☐ Pre-charge off interest starts at date of sale not date of repossession.
☐ Court will only allow ______%.
☐ Other ________________________________
☐ c. Other Variances
_____________________________________
_____________________________________
_____________________________________
_____________________________________
Confidential
