CS-2026-64 - Midland Credit Management, Inc. v. Jackie Morris

What's This Case About?

Let’s be honest: nobody wakes up dreaming of a $1,920.56 lawsuit. But here we are, deep in the trenches of Adair County, Oklahoma, where a woman named Jackie Morris is being sued—not by a bank, not by a loan shark in a pinstripe suit, but by a debt collection company that bought her credit card bills like they were expired yogurt at a Walmart clearance rack. And now, in a move that feels less like justice and more like paperwork vengeance, Midland Credit Management, Inc. wants a judge to officially declare that yes, Jackie Morris owes them money… to the penny. Because nothing says “American legal system” like a multi-page affidavit over a debt that wouldn’t even cover a down payment on a used Honda Civic.

So who are these people? On one side, we’ve got Jackie Morris—real name, real person, probably just trying to survive in rural Oklahoma, where the wind blows hard and the Wi-Fi is spotty. We don’t know much about her, and that’s intentional. She hasn’t filed anything in response (yet), so we’re left to imagine: maybe she’s a retiree on a fixed income, maybe she’s a single mom working two jobs, maybe she just forgot to pay a couple of credit cards during a rough patch. What we do know is that at some point, she had two Credit One Bank credit cards—the kind of store-brand, high-interest cards you get if your credit score is more “meh” than “masterpiece.” One opened in December 2019, the other in March 2022. Both were active enough to rack up balances, but not active enough to keep paying them after December 30, 2023—the last day either account saw a payment. After that? Radio silence. The financial equivalent of ghosting.

Then enter Midland Credit Management, Inc.—the plaintiff, the pursuer, the paper-wielding predator of this story. Based in Minnesota but incorporated in Oklahoma for legal convenience (because of course they are), Midland isn’t a bank. It’s a debt buyer. These companies don’t lend money—they buy old, unpaid debts from banks for pennies on the dollar, then try to collect the full amount. It’s like buying a moldy sandwich from a gas station dumpster and then suing the original customer for not finishing it. Midland likely paid, say, $200 for these two accounts and now wants $1,920.56. That’s a 900% markup if they win. Not bad for a day’s work filing a PDF.

The story, such as it is, unfolds like a slow-motion financial car crash. Jackie Morris used her Credit One cards—probably for groceries, gas, or maybe a last-ditch Christmas splurge—until she couldn’t pay anymore. The bank waited, then “charged off” the accounts in August 2024, which is banker-speak for “we’ve given up and are selling this junk to someone else.” That someone else? Midland. On September 19, 2024, Midland became the “successor in interest,” meaning they legally own the debt now. Fast-forward to December 15, 2025—yes, the future, because Oklahoma courts are apparently time travelers—and Midland files this lawsuit, armed with two affidavits from a woman named Lori Jones, a “Legal Specialist” in St. Cloud, Minnesota, who has never met Jackie Morris but swears under penalty of perjury that the records show everything is true. The records. Always the records. Lori didn’t witness the transactions, didn’t handle the payments, didn’t see Jackie swipe a card at a Walmart in Tahlequah. But she’s seen the digital trail, the automated logs, the data that lives in servers and gets transferred between companies like a haunted VHS tape. And according to Lori, the numbers don’t lie: $1,267.93 on one card, $652.63 on the other. Total: $1,920.56. And yes, they want interest too—statutory, baby, because even debt grows when you water it with legal paperwork.

So why are they in court? Because Midland wants a judgment. That’s the legal term for “Hey Judge, please confirm that Jackie Morris legally owes us this money.” If they get it, they can garnish wages, freeze bank accounts, or just add that sweet, sweet judgment to their balance sheet. This isn’t about negotiation. It’s not about payment plans or forgiveness. It’s about turning a delinquent account into an enforceable court order. And they’re doing it the standard way: file a petition, attach affidavits, claim the debt, demand judgment. No drama, no witnesses, no surprise twist. Just cold, corporate collection procedure.

Now, let’s talk about the money. $1,920.56. Is that a lot? Well, it’s not nothing. It’s a plane ticket to Cancun. It’s a decent used motorcycle. It’s six months of car insurance for some people. But in the world of debt collection lawsuits, it’s not exactly headline money. This isn’t a six-figure medical bill or a foreclosure on a mansion. This is petty civil court fodder—the kind of case that clogs up dockets across America every day. And yet, someone at Love, Beal & Nixon, P.C.—a firm with six attorneys listed on the filing, including a Benjamin F. Brackett who sounds like a character from a legal drama—thought this was worth their time. They sent a team-level response to a sub-$2,000 debt. That’s like sending SWAT to a jaywalking incident.

Here’s the absurd part: the entire case hinges on documents created by machines, reviewed by someone who’s never met the defendant, and signed in Minnesota over a debt from Oklahoma that originated with a bank that no longer cares. Jackie Morris might not even know about this yet. She might get served by a process server while picking up her mail, or find a notice in her PO box next to a coupon for 10% off at Tractor Supply. And if she doesn’t respond? Boom. Default judgment. Midland wins by forfeit, not because they proved anything in court, but because the system rewards paperwork over people.

We’re not rooting for debt collectors. We’re not rooting for deadbeat spending sprees either. But in a world where a company can buy your financial failure and then sue you for full price—plus interest, plus court costs—it’s hard not to side with the little guy who just wants to live without a $1,920.56 sword hanging over their head. Maybe Jackie Morris spent recklessly. Maybe she had a medical emergency. Maybe she’s disputing the debt and just hasn’t filed yet. We don’t know. But we do know this: the American debt machine grinds slow and grinds small, and sometimes, the most dramatic courtroom battles aren’t about murder or fraud—they’re about who owes what, and whether a spreadsheet in Minnesota can decide someone’s fate in Oklahoma. And honestly? That might be the most terrifying true crime story of all.

Case Overview

$1,921 Demand Petition

Jurisdiction

District Court, Oklahoma

Filing Attorney

William L. Nixon, Jr.

LOVE, BEAL & NIXON, P.C.

Relief Sought

$1,921 Monetary

Plaintiffs

Midland Credit Management, Inc. business
Rep: LOVE, BEAL & NIXON, P.C.

Defendants

Jackie Morris individual

Claims

#	Cause of Action	Description
1	debt collection	collection of debt from two credit accounts
2	debt collection	collection of debt from two credit accounts

Petition Text

1,195 words

IN THE DISTRICT COURT OF ADAIR COUNTY STATE OF OKLAHOMA Midland Credit Management, Inc. Plaintiff, vs. Jackie Morris, Defendant. PETITION FOR INDEBTEDNESS COMES NOW Plaintiff, by and through its undersigned attorneys who hereby enter their appearance herein, and for cause of action against Defendant alleges and states: COUNT I 1. CREDIT ONE BANK, N.A., provided credit to the defendant on account numberXXXXXXXXXXX8635. Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $1,267.93. An Affidavit of Account is attached hereto and incorporated by reference. COUNT 2 1. CREDIT ONE BANK, N.A., provided credit to the defendant on account numberXXXXXXXXXXXX9428. Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $652.63. An Affidavit of Account is attached hereto and incorporated by reference. WHEREFORE, Plaintiff prays for Judgment against the Defendant in the sum of $1,920.56, with interest at the statutory rate, all court costs, and for such other relief as the Court may deem just and proper. William L. Nixon, Jr., #012804 Harley L. Homjak, #019736 Gracelyn Porras Dillingham, #35852 Jenifer A. Gani, #021876 Daniela Westfahl, #36242 Mariah S. Ellicott, #36309 Benjamin F. Brackett, #36580 LOVE, BEAL & NIXON, P.C. Attorney for Plaintiff P.O. Box 32738 Oklahoma City, OK 73123 Telephone: 405-720-0565 E-Mail: [email protected] STATE OF OKLAHOMA Midland Credit Management, Inc, Plaintiff -vs- Morris, Jackie, Defendant(s). AFFIDAVIT OF LORI JONES Lori Jones, whose business address is 600 W. Saint Germain St Suite 200, St. Cloud, MN 56301-3616, certifies and says: 1. I am employed as a Legal Specialist and have access to pertinent account records for Midland Credit Management, Inc. ("Plaintiff" or "MCM"). I am a competent person over eighteen years of age, and make the statements herein based upon personal knowledge of those account records maintained by Plaintiff. Plaintiff is the current owner of, and was assigned all the rights, title and interest to Defendant's CREDIT ONE BANK, N.A. account XXXXXXXXXXXX8635 (MCM Number 328873465) (hereinafter "the Account"). 2. I have access to and have reviewed the electronic records pertaining to the Account maintained by MCM and am authorized to make this affidavit on MCM's behalf. The electronic records reviewed consist of (i) data and records acquired from the seller or assignor when MCM purchased or was assigned the Account, which were incorporated into MCM's business records upon purchase or assignment, and (ii) data and records generated by MCM in connection with servicing the Account since the date the Account was purchased by or was assigned to MCM. 3. I am familiar with and trained on the manner and method by which MCM creates and maintains its business records pertaining to the Account, which consist of (i) data and documents acquired from the seller or assignor, and (ii) subsequent collection and/or servicing activities by MCM. The records are acquired or created, and are kept in the regular course of MCM's business. It was in the regular course of MCM's business for a person with knowledge of the subsequent collection and/or servicing activities recorded, and a business duty to report, to make the record or data compilation, or to transmit information thereof to be included in such record, or for such information to be posted in MCM's records by a computer or similar digital means. In the regular course of MCM's business, the record or compilation of the subsequent collection activities is made at or near the time of the act or event by MCM as a regular practice. 4. MCM's records show that Defendant(s) owed a balance of $1,267.93 as of 2025-11-24. 5. On or about 2024-09-19, Midland Credit Management, Inc became the successor in interest to this Account. 6. MCM's records show that: 1) the Account was opened on 2022-03-29; 2) the last payment posted to the Account on 2023-12-30; and 3) the Account was charged off on 2024-08-27. 7. If called to testify as a witness thereon, I could and would competently testify as to all the facts stated herein. Left Blank Intentionally I certify under penalty of perjury that the foregoing statements are true and correct. DEC 15 2025 Date STATE OF MINNESOTA COUNTY OF STEARNS Signed and sworn to (or affirmed) before me on DEC 15 2025 by Lori Jones. Christy Lynn Biss Notary Public - Minnesota My Commission Expires 01/31/2029 Notary Public OK038 STATE OF OKLAHOMA Midland Credit Management, Inc, Plaintiff -vs- Morris, Jackie, Defendant(s). AFFIDAVIT OF LORI JONES Lori Jones, whose business address is 600 W. Saint Germain St Suite 200, St. Cloud, MN 56301-3616, certifies and says: 1. I am employed as a Legal Specialist and have access to pertinent account records for Midland Credit Management, Inc. ("Plaintiff" or "MCM"). I am a competent person over eighteen years of age, and make the statements herein based upon personal knowledge of those account records maintained by Plaintiff. Plaintiff is the current owner of, and was assigned all the rights, title and interest to Defendant's CREDIT ONE BANK, N.A. account XXXXXXXXXXXXXXX9428 (MCM Number 328873466) (hereinafter "the Account"). 2. I have access to and have reviewed the electronic records pertaining to the Account maintained by MCM and am authorized to make this affidavit on MCM's behalf. The electronic records reviewed consist of (i) data and records acquired from the seller or assignor when MCM purchased or was assigned the Account, which were incorporated into MCM's business records upon purchase or assignment, and (ii) data and records generated by MCM in connection with servicing the Account since the date the Account was purchased by or was assigned to MCM. 3. I am familiar with and trained on the manner and method by which MCM creates and maintains its business records pertaining to the Account, which consist of (i) data and documents acquired from the seller or assignor, and (ii) subsequent collection and/or servicing activities by MCM. The records are acquired or created, and are kept in the regular course of MCM's business. It was in the regular course of MCM's business for a person with knowledge of the subsequent collection and/or servicing activities recorded, and a business duty to report, to make the record or data compilation, or to transmit information thereof to be included in such record, or for such information to be posted in MCM's records by a computer or similar digital means. In the regular course of MCM's business, the record or compilation of the subsequent collection activities is made at or near the time of the act or event by MCM as a regular practice. 4. MCM's records show that Defendant(s) owed a balance of $652.63 as of 2025-11-24. 5. On or about 2024-09-19, Midland Credit Management, Inc became the successor in interest to this Account. 6. MCM's records show that: 1) the Account was opened on 2019-12-09; 2) the last payment posted to the Account on 2023-12-30; and 3) the Account was charged off on 2024-08-21. 7. If called to testify as a witness thereon, I could and would competently testify as to all the facts stated herein. Left Blank Intentionally I certify under penalty of perjury that the foregoing statements are true and correct. DEC 15 2025 Date Lori Jones STATE OF MINNESOTA COUNTY OF STEARNS Signed and sworn to (or affirmed) before me on DEC 15 2025 by Lori Jones. Christy Lynn Biss Notary Public - Minnesota My Commission Expires 01/31/2029 Notary Public