CJ-2026-944 - TTCU Federal Credit Union v. David Hunter

What's This Case About?

Let’s get one thing straight: this isn’t a murder mystery. There’s no missing body, no secret affair, no dramatic courtroom reveal where someone stands up and yells, “I did it!” — though honestly, at this point, we wouldn’t blame David Hunter if he did. No, this case is far more American than that. It’s not about bloodshed. It’s about debt. Specifically, $24,928.70 — a number so precise it sounds like a tax audit crossed with a ransom note. And the plaintiff? A credit union. Yes, TTCU Federal Credit Union has marched into Tulsa County District Court like it’s the O.K. Corral, demanding justice — or at least repayment — from one very unlucky borrower named David Hunter.

Now, who is David Hunter? We don’t know much, and that’s part of the tragedy. He’s not a celebrity. He’s not a politician. He’s not even someone who left a viral TikTok rant before vanishing into the ether. He’s just a guy — a guy who, at some point in early 2020, signed a line of credit agreement with TTCU for up to $25,000. That’s right: a quarter of a car, half a house down payment in some parts of Oklahoma, or, if you’re really bad at money, an entire year of avocado toast and DoorDash. The terms were pretty standard for a credit line: 12.85% annual interest (which, let’s be real, isn’t great but isn’t loan shark levels either), monthly payments of either $25 or 4% of the balance — whichever was higher — and a whole lot of fine print about late fees, interest accrual, and the credit union’s right to yank the plug whenever they felt like it. David signed on January 14, 2020. The world was still normal. The pandemic hadn’t hit. Maybe he was planning a wedding. Maybe he needed a new HVAC system. Or maybe, like the rest of us, he just thought, “Eh, I’ll figure it out later.” Spoiler: he didn’t.

What happened next is both painfully mundane and legally significant: David stopped paying. That’s it. That’s the crime. No fraud. No embezzlement. No identity theft. Just… non-payment. According to the petition, he now owes exactly $24,928.70 — which suggests he either maxed out the line or came very close, and then let the balance sit there like a rotting turkey in a forgotten fridge. Interest piled up. Minimum payments weren’t met. And somewhere along the way, TTCU decided enough was enough. So they filed a lawsuit. Not a collections call. Not a sternly worded letter. A full-blown petition for collection of indebtedness, served with all the legal flair of a medieval summons. The document even includes a federally mandated debt collector disclaimer — “THIS IS AN ATTEMPT TO COLLECT A DEBT” — which, let’s be honest, is the financial equivalent of a passive-aggressive sticky note on your fridge that says, “We noticed you haven’t done the dishes. Again.”

So why are they in court? Well, because when someone doesn’t pay what they owe, and the lender wants to get serious, they sue. That’s how it works. The legal claim here is as straightforward as it gets: collection of indebtedness. TTCU is saying, “David borrowed money under a contract. He agreed to pay it back. He didn’t. We want our money.” No drama. No allegations of fraud or misrepresentation. Just cold, hard arithmetic. They’re not asking for punitive damages. They’re not demanding David’s house or his firstborn. They just want the balance owed — principal, interest, fees, the whole sad stack of financial consequences. And because this is America, they’re also reserving the right to collect attorney’s fees and court costs if they win, because apparently even the act of suing someone for money can cost you money — which feels like a very on-brand irony.

Now, let’s talk about that number: $24,928.70. Is that a lot? Well, yes — unless you’re Elon Musk or a TikTok influencer who sells NFTs of their breakfast. For most people, that’s a down payment on a car, a year of rent in Tulsa, or two rounds of IVF. It’s not a life-ruining sum, but it’s not pocket change either. And here’s the kicker: David could have avoided this whole mess by simply disputing the debt within 30 days of being served. The petition even tells him so, in bold federal compliance language. But if he doesn’t? Then the court will likely assume the debt is valid, and boom — judgment for TTCU. No trial. No witnesses. No dramatic cross-examination. Just a judge signing a piece of paper saying, “Yep, you owe that.”

And that’s where we, the audience, are left scratching our heads. What’s the most absurd part of this case? Is it that a credit union is suing someone over a few hundred dollars shy of $25,000? Not really — that’s how debt collection works. Is it the sheer banality of it? The fact that this entire legal drama hinges on a failure to make monthly payments on a line of credit? Well, yes — but also, no. The real absurdity is how normal this is. This isn’t an outlier. This is the system. Thousands of these cases are filed every day across America — quiet, unglamorous lawsuits over unpaid credit cards, medical bills, car loans. No one covers them. No true crime podcast dedicates an episode to “The Man Who Didn’t Pay His Credit Union.” And yet, each one represents a personal crisis — a cascade of bad luck, poor decisions, or systemic inequality that ends with a docket number and a demand for payment.

So what are we rooting for? Honestly? We’re rooting for David. Not because he’s innocent — we don’t know that. And not because debt should go unpaid — that’s not how capitalism works. But because somewhere in this story, there’s a human being who probably didn’t sign up for this. He didn’t wake up one day and say, “I want to be sued by my credit union.” He just got caught in the gears of a system that doesn’t care about context — only contracts. And if he’s reading this, David, here’s our advice: call a lawyer. Dispute the debt if you need to. Negotiate a payment plan. Do something. Because the alternative — a default judgment, wage garnishment, a ding on your credit for years — is way worse than a 30-minute phone call.

And to TTCU? We see you. You’re doing your job. But maybe, just maybe, there’s a way to handle this that doesn’t involve dragging someone to court over a decimal point. Then again, this is civil court. And in the grand tradition of petty disputes, sometimes the only thing more American than owing money… is getting sued for it.

Case Overview

$24,929 Demand Petition

Jurisdiction

Tulsa County District Court, Oklahoma

Filing Attorney

John Doe

Doe Law Firm

Relief Sought

Plaintiffs

TTCU Federal Credit Union business

Defendants

David Hunter individual

Claims

#	Cause of Action	Description
1	collection of indebtedness	Plaintiff seeks to collect $24,928.70 from Defendant

Petition Text

2,421 words

IN THE DISTRICT COURT WITHIN AND FOR TULSA COUNTY STATE OF OKLAHOMA TTCU Federal Credit Union, Plaintiff, vs. David Hunter, Defendant. PETITION FOR COLLECTION OF INDEBTEDNESS COMES NOW the Plaintiff, TTCU Federal Credit Union, and for Plaintiff's cause of action against the Defendant alleges and states: 1. David Hunter owes Plaintiff, TTCU Federal Credit Union, twenty-four thousand nine hundred twenty-eight and 70/100 ($24,928.70) for non-payment of a promissory note attached hereto as "Exhibit A" and made a part hereof. 2. That the cause of action occurred in Tulsa County and this Court has jurisdiction over the persons and subject matter of this action. 3. That the undersigned attorney, in order to comply with federal debt collection law, states: THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. That the name of the creditor is TTCU Federal Credit Union. That the amount of the debt in default is $24,928.70. That David Hunter is/are entitled to verify or dispute the debt which is the subject of this petition by contacting the undersigned attorney at the telephone number or address shown below. The debt which is subject to this Petition or any portion of the debt may be disputed by David Hunter in writing to the undersigned attorney within thirty (30) days and if not disputed will be assumed to be valid. LINE OF CREDIT AGREEMENT AND CONSUMER CREDIT DISCLOSURE $25,000.00 MAXIMUM CREDIT LIMIT For value received and to be received the undersigned, jointly and severally promise to pay to the order of TTCU Federal Credit Union at its office in Tulsa, Oklahoma the principal sum of all advances that may be disbursed to the undersigned subject to all terms and conditions hereof plus a FINANCE CHARGE (interest) to be calculated at the daily periodic rate of 0.03466% which is equivalent to an ANNUAL PERCENTAGE RATE of 12.850%. The FINANCE CHARGE (interest) begins to accrue on the date the transaction is posted to the account. Principal and interest due shall be payable MONTHLY on the 25th day of each month beginning 2/25/2020 and payments due in the amount of $25 or four percent (4%) of the loan balance as of the last day of the month, whichever is greater. The Credit Union shall have the right to raise or lower the maximum credit line and reduce or establish a larger minimum payment at the time of a loan advance and such changes will be set forth on the request for Credit Advance Voucher or in the endorsement on the check issued by the Credit Union for the amount of the loan advance. Payments are based on the balance after the most recent advance and shall be due on or before the 25th day of each month following any month ending with a loan balance. Each payment will be applied first to the payment of any unpaid FINANCE CHARGE and the balance of the payment will then be applied to the principal balance due on the loan account. If the amount of the payment is insufficient to pay the accrued FINANCE CHARGE the unpaid FINANCE CHARGE continue to accrue until paid from the proceeds of a subsequent payment. The loan may be paid in full or in part at any time without penalty except that MINIMUM MONTHLY PAYMENTS ARE REQUIRED as explained above. It is mutually agreed by and between the Credit Union and the undersigned that upon request of the undersigned, the Credit Union may hereafter, solely at its option, make further advances to the undersigned with interest and payments to comply with the disclosed rates and terms herein. Advances may be made in cash, by check, by draft, by share draft overdrafts, or by any other lending program authorized by the Credit Union and used by the undersigned. Such advances will be in increments of fifty ($50.00) dollars or more; overdrafts will be in multiples of fifty ($50.00) dollars. Each loan advance shall be evidenced by a Request for Advance which the undersigned agrees to sign at the time of each such transaction or by endorsement by undersigned on the check issued by the Credit Union for the amount of any such loan advance, however the failure or refusal of undersigned to execute such Request for Advance or to execute the endorsement described above shall not relieve undersigned of the obligation for payment of any credit extended or funds advanced in connection with such Request of Advance. The member will be responsible for interest or late fees resulting from advances to third parties in the member's behalf being lost or delayed in the mail. The Credit Union reserves the right to change any of the terms of the Agreement from time to time, including but not limited to the right to change the rate or method of computing the FINANCE CHARGE, by sending a notice of such change(s) to the member owner of this account at the address shown on the membership records at the Credit Union. The FINANCE CHARGE (interest) will be imposed upon the unpaid loan balance, and is computed by multiplying the unpaid balance by the periodic rate and multiplying the result by the number of days since the last payment, except when advances are added to the loan the FINANCE CHARGE is computed on the balance from the date of the last payment to the date of the additional loan then on the total outstanding balance to the date of payment at the above rate. Actual FINANCE CHARGES (interest) are shown on a monthly statement delivered to the borrower. The FINANCE CHARGE will be effective on the date stated in the notice; however, any such change(s) in the terms shall not apply to amounts owing to the credit union prior to the time of such change(s) unless under the previous terms is or are combined with a loan advance made after the date of any change(s) in terms in which event the changed terms shall apply to the balance so combined. The undersigned acknowledge and agree that payee Credit Union may terminate this line of credit agreement under the following conditions: (a) upon adverse re-evaluation of the undersigned's credit worthiness; (b) upon the undersigned's failure to satisfy the terms of this line of credit agreement; or (c) at the undersigned's option or at the Credit Union's option with good cause. If this line of credit agreement is to be terminated by the Credit Union, the undersigned shall receive WRITTEN NOTICE of such termination; however, the undersigned understand and acknowledge that such a termination shall not affect the undersigned's obligation to pay any outstanding balance. The undersigned understand and acknowledge that the Credit Union will review the undersigned's loan file at least once every 36 months, and the undersigned hereby authorize the Credit Union to periodically investigate and reassess the undersigned's credit worthiness. The undersigned further understand and acknowledge that a re-application and approval by the Loan Officer shall be required if the credit limit is increased; or an adjustment of payment is requested. In the event of default in the payment of any installment as herein agreed or upon the failure of the undersigned to keep and perform any agreements hereunder, the holder of this agreement may at its option and without notice declare the entire balance of this agreement immediately due and payable, and any failure of the holder to exercise said option shall not constitute a waiver of the right to subsequently exercise the same. Each of the undersigned, jointly and severally, waive presentation for payment, demand, protest, and notice of protest and dishonor of this agreement. The undersigned also pledge all shares or payments on shares owned now or hereafter deposited in lender Credit Union for the amount of this entire principal and all interest costs, fines, documentary stamps, fees or record and expenses, and hereby authorize the lender Credit Union to appropriate said shares therefor or to any other non-real estate obligation to lender Credit Union that either may have. The undersigned agree that the credit union may "set-off" any amount owed and pledge any deposit account balance including share certificates and share draft balances, any money owed the undersigned on an item presented or in possession of the credit union for collection or exchange and any repurchase agreement or other non-deposit obligation. A share or shares may be defined as the member's deposits in the lender Credit Union derived from any source. Each of the undersigned agree that without further notice to or consent by him, the time of the payment of this agreement may be extended. Each further consents and agrees to any and all extensions and renewals, in whole or in part, without limitation and without any notice to or further consent thereof and each hereby waives all claims for exemption of liability as a result of same. Further, a joint borrower shall be liable for all advances made hereunder and may be relieved of liability for future but not past advances upon receipt and written acknowledgement by the Credit Union of a signed written statement from borrower to such effect. Late Fee: The Credit Union may at its discretion impose a late fee on payments received ten or more days past the due date equal to 5% of the scheduled payment or $19.00 whichever is less. All payments received on a day other than a Business Day or after a "cut-off time" will be treated and recorded as if received on our next Business Day. As used herein, "Business day" means any weekday, Monday through Friday, except legal holidays, on which we are open for business. The assessment of a late fee may extend the term of the loan. Should it become necessary to collect this agreement through an attorney or by legal proceedings, each of the undersigned promises to pay all costs of collection, including a reasonable attorney's fee or such attorney's fee as provided by law and court costs. Signed and executed this day ___1/14/2020___ Request for credit advance voucher. Initial disbursement $0.00 The undersigned acknowledge receipt of a copy of the Line of Credit and Consumer Credit Disclosure information and Advance Voucher information. Signature(s) David Hunter 73CAFA272057437... <table> <tr> <th>Interest Rate and Interest Charges</th> <th></th> </tr> <tr> <td>APR for Cash Advances</td> <td>12.650%</td> </tr> <tr> <td>Paying Interest</td> <td>You will be charged interest from the transaction date.</td> </tr> <tr> <th>Fees</th> <th></th> </tr> <tr> <td>Late Payment Fee</td> <td>5% of payment or $19.00 whichever is less.</td> </tr> </table> How we will Calculate your Balance: Daily Balance Method. Billing Rights: Information on your right to dispute transactions and how to exercise those rights is provided on your account agreement. Your Billing Rights: Keep this Document for Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: TTCU The Credit Union PO Box 477550 Tulsa, OK 74147-7550 You may also contact us on the web [REDACTED]. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is schedule, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you that name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. • If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. EQUAL CREDIT OPPORTUNITY ACT NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this credit union is: NCUA, Office of Consumer Protection, 1775 Duke Street, Alexandria VA 22314.