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ROGERS COUNTY • CJ-2025-556

LVNV FUNDING LLC v. JULIE DALTON

Filed: Nov 7, 2025
Type: CJ

What's This Case About?

Let’s get one thing straight: Julie Dalton from Inola, Oklahoma, didn’t just fall behind on her credit card. She became a commodity. That’s right—her debt was bought, sold, and resold like a distressed piece of vintage furniture on Facebook Marketplace, only instead of a $200 credenza, we’re talking about $10,572.53 in credit card debt that changed hands at least twice before landing in the lap of a debt collection company called LVNV Funding LLC, which is now suing her in Rogers County District Court like she personally offended them at a family barbecue.

So who is Julie Dalton? We don’t know much—no dramatic backstory, no public records of prior lawsuits, no viral TikToks. Just a woman living on a rural road in northeastern Oklahoma, probably minding her own business, maybe raising chickens or fixing a fence, when—bam—a lawsuit shows up because her credit card balance ballooned past ten grand and nobody got paid. Meanwhile, the plaintiff, LVNV Funding LLC, isn’t even the bank she borrowed from. Nope. It’s a Delaware-based debt buyer that scooped up her defaulted account (along with hundreds of others) in a bulk transaction from another debt buyer, who bought it from U.S. Bank. Yes, you read that right: her debt was resold within the debt collection industry. It’s like if your ex sold your old love letters to a stranger, who then framed them and sued you for emotional damages.

Here’s how we got here. Back in November 2020, Julie opened a Visa Platinum card through Elan Financial Services (a subsidiary of U.S. Bank, for those keeping score). For a few years, things were probably fine. She made purchases, paid some bills, maybe took a trip or upgraded her appliances. But by January 2024, the wheels came off. That’s when the account first went delinquent—meaning she missed a payment. The last time she actually sent money? November 13, 2023. After that? Crickets. The account kept accruing interest—25.74% on purchases, thank you very much—and by June 28, 2024, the bank officially “charged off” the debt, writing it off as a loss. At that point, the balance was $10,572.53. That’s not a typo. Over $10,500 on a card that had a credit limit of $9,100—meaning she was already over the limit, paying interest on interest, in that special financial purgatory reserved for people who are one emergency away from collapse.

Now, here’s where it gets weird. U.S. Bank didn’t just let it sit. In February 2025, they sold a whole batch of defaulted accounts—including Julie’s—to a company called Resurgent Acquisitions LLC. Then, immediately, Resurgent flipped it to LVNV Funding LLC. Yes, within days, her debt was transferred again. No calls, no letters, no knock on the door. Just a digital handoff between two financial entities that have never met her, never seen her kitchen table, never heard her explain why she couldn’t pay. And now, in October 2025, LVNV is in court demanding judgment for the full $10,572.53, plus court costs, fees, and whatever else they can squeeze out of the system.

The legal claim? Simple: breach of contract. Julie agreed to pay, she didn’t pay, so now they want the money. It’s not a personal vendetta—it’s a spreadsheet decision. LVNV likely paid pennies on the dollar for this debt—maybe 4 or 5 cents per dollar owed, so they might’ve paid around $500 for the right to sue her for over $10,000. If they win, it’s pure profit. If she pays even half, it’s still a win. That’s how this game works.

And what do they want? $10,572.53. Is that a lot? For most people in Inola, Oklahoma—yes. The median household income in Rogers County is around $58,000. Ten grand is nearly two months’ take-home pay for someone making that. It’s a car. It’s a year of rent. It’s a down payment on a house. It’s not chump change. And yet, in the grand scheme of debt collection lawsuits, it’s not huge. This isn’t a seven-figure corporate fraud case. It’s a quiet, everyday financial tragedy playing out in small claims and district courts across America—over and over and over.

Now, here’s our take: the most absurd part isn’t that Julie owes money. People fall behind. Life happens. Medical bills, job loss, divorce, car trouble—it all adds up. The absurdity is in the machine. A woman in rural Oklahoma gets sued by a Delaware LLC that bought her debt from another debt buyer, who bought it from a bank, all so some investor can turn a profit off her misfortune. The original creditor already wrote it off. They took the tax loss. They moved on. But the debt? It lives on, like a zombie, shambling through the legal system, reanimated by companies whose entire business model is built on other people’s bad luck.

And let’s talk about that June 2024 statement. It cheerfully warns that if she only pays the minimum, she’ll be paying for 14 years and end up shelling out $24,341. That’s more than double the balance. But by then, the account was already closed. She couldn’t even use the card. So who was that warning for? A ghost? A ghost who’s really bad at math?

We’re not rooting for anyone to dodge responsibility. But we are rooting for a system that doesn’t treat human error and financial hardship like a casino game for Wall Street. We’re rooting for transparency. For fairness. For a world where your debt isn’t auctioned off like surplus military gear. And maybe—just maybe—for Julie Dalton to get a day in court where she can actually explain what happened, instead of being reduced to a line item in someone else’s profit report.

Because at the end of the day, this isn’t just about $10,572.53. It’s about how we treat people when they fall. And right now? We’re not catching them. We’re just selling tickets to watch them fall.

Case Overview

$10,573 Demand Petition
Jurisdiction
District Court, Oklahoma
Relief Sought
$10,573 Monetary
Plaintiffs
Defendants
Claims
# Cause of Action Description
1 breach of contract failure to make required monthly payments on a credit account

Petition Text

5,560 words
IN THE DISTRICT COURT OF ROGERS COUNTY STATE OF OKLAHOMA LVNV FUNDING LLC, Plaintiff, vs. JULIE DALTON Defendant(s). PETITION COMES NOW the Plaintiff, by and through counsel, Nelson and Kennard, LLP, and herewith alleges the following and seeks redress as hereafter delineated. 1. Plaintiff is a national debt collection agency, which transacts business within the State of Oklahoma. 2. Venue is proper in this County, as the Defendant(s) reside(s) in this County at the commencement of this action, or the contract which is the subject matter of this action was made, executed, and delivered in this County. 3. The last four (4) digits of the Defendant’s account number, used by the original creditor as of the date of default are XXXXXXXXXXXXX3064. 4. Plaintiff's claim arises when the Defendant(s) opened a credit account and failed to make the required monthly payments as agreed. The credit account charged off for non-payment on 6/28/24, the balance due at time of default is as follows $10,572.53. A true and accurate copy of the last periodic statement provided to the Defendant(s) prior to charge-off is attached hereto as Exhibit 1. A true and accurate copy of the ownership of the credit card account is attached hereto as Exhibit 2. 5. The Defendant(s) breached the Contract by failing to make the required periodic payments. 6. As a direct and proximate result of the Defendant(s) default, the total amount of debt claimed is $10,572.53. 7. The date of the last payment made by the Defendant(s) is November 13, 2023. 8. Plaintiff seeks court costs, and for such further relief as the Court may deem proper in the premises. WHEREFORE, Plaintiff, LVNV FUNDING LLC prays for judgment against the Defendant(s), JULIE DALTON in the amount of $10,572.53, plus all costs herein expended, including but not limited to, court costs, sheriff's fees, and special process server fees, attorney fees; and for such other and further relief as the Court may deem proper in the premises. Dated this October 24, 2025 Nelson and Kennard, LLP By: [signature] Ashton Dewayne Sears, OBA # 35737 12596 W. Bayaud Ave., Ste. 120 Lakewood, CO 80228 Phone: 866-920-2295 [email protected] Attorney for the Plaintiff EXHIBIT 1 June 2024 Statement Open Date: 05/15/2024 Closing Date: 06/13/2024 Visa® Platinum Card JULIE DALTON New Balance $10,572.53 Minimum Payment Due $2,679.00 Payment Due Date 07/10/2024 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $41.00 Late Fee. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: <table> <tr> <th>If you make no additional charges using this card and each month you pay...</th> <th>You will pay off the balance shown on this statement in about...</th> <th>And you will end up paying an estimated total of...</th> </tr> <tr> <td>Only the minimum payment</td> <td>14 years</td> <td>$24,341</td> </tr> <tr> <td>$425</td> <td>3 years</td> <td>$15,305<br>(Savings=$9,036)</td> </tr> </table> If you would like information about credit counseling services, call 866-951-1391. Elan Financial Services BNK 10 ELN 8 9 Activity Summary <table> <tr> <th>Previous Balance</th> <th>+$10,352.54</th> </tr> <tr> <td>Payments</td> <td>$0.00</td> </tr> <tr> <td>Other Credits</td> <td>$0.00</td> </tr> <tr> <td>Purchases</td> <td>$0.00</td> </tr> <tr> <td>Balance Transfers</td> <td>$0.00</td> </tr> <tr> <td>Advances</td> <td>$0.00</td> </tr> <tr> <td>Other Debits</td> <td>$0.00</td> </tr> <tr> <td>Fees Charged</td> <td>$0.00</td> </tr> <tr> <td>Interest Charged</td> <td>+$219.99</td> </tr> <tr> <th>New Balance</th> <th>= $10,572.53</th> </tr> <tr> <td>Past Due</td> <td>$2,355.00</td> </tr> <tr> <td>Minimum Payment Due</td> <td>$2,679.00</td> </tr> <tr> <td>Credit Line</td> <td>$9,100.00</td> </tr> <tr> <td>Available Credit</td> <td>None</td> </tr> <tr> <td>Days in Billing Period</td> <td>30</td> </tr> </table> Payment Options: Mail payment coupon with a check Pay online at myaccountaccess.com Pay by phone 1-800-558-3424 Please detach and send coupon with check payable to: Elan Financial Services What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at: Elan Financial Services, P.O. Box 6335, Fargo, ND 58125-6335. Your letter or call, 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. While we investigate whether or not there has been an error, the following are true: • 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. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to 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. Our Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. • All of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Elan Financial Services, P.O. Box 6335, Fargo, ND 58125-6335. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you. To the extent credit insurance charges, overlimit fees, Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. Payment Information: We will accept payment via check, money order, the internet (including mobile and online) or phone or previously established automatic payment transaction. You must pay us in U.S. Dollars. If you make a payment from a foreign financial institution, you will be charged and agree to pay any collection fees added in connection with that transaction. The date you mail a payment is different than the date we receive the payment. The payment date is the day we receive your check or money order at Elan Financial Services, P.O. Box 790408, St. Louis, MO 63179-0408 or the day we receive your internet or phone payment. All payments by check or money order accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on any banking day. Payments sent without the payment coupon or to an incorrect address will be processed and credited to your Account within 5 banking days of receipt. Payments sent without a payment coupon or to an incorrect address may result in a delayed credit to your Account, additional INTEREST CHARGES, fees, and/or Account suspension. The deadline for on-time internet and phone payments varies, but generally must be made before 5:00 p.m. CT to 8 p.m. CT depending on what day and how the payment is made. Please contact Elan Financial Services for internet, phone, and mobile crediting times specific to your Account and your payment option. Banking days are all calendar days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the day of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. June 2024 Statement 05/15/2024 - 06/13/2024 Important Messages Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the Payment Due Date shown on the front of your monthly Account statement. There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers except as provided in any Offer Materials. Those transactions are subject to interest from the date they post to the Account until the date they are paid in full. If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your name, address, phone number, account number, the specific information you are disputing, the explanation of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to: Elan Financial Services Consumer Recovery Department Attn: CBR Disputes P.O. Box 108 St Louis, MO 63166-0108 Your account has been closed to further use of credit. If you still have cards in your possession, please cut them in half and return them to us. Transactions Interest Charged <table> <tr> <th>Post Date</th> <th>Transaction Description</th> <th>Amount</th> </tr> <tr> <td>06/13</td> <td>INTEREST CHARGE ON PURCHASES<br>TOTAL INTEREST THIS PERIOD</td> <td>$219.99<br>$219.99</td> </tr> </table> 2024 Totals Year-to-Date Total Fees Charged in 2024 $205.00 Total Interest Charged in 2024 $1,258.74 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. **APR for current and future transactions. <table> <tr> <th>Balance Type</th> <th>Balance By Type</th> <th>Balance Subject to Interest Rate</th> <th>Variable</th> <th>Interest Charge</th> <th>Annual Percentage Rate</th> <th>Expires with Statement</th> </tr> <tr> <td>PURCHASES</td> <td>$10,223.33</td> <td>$10,011.53</td> <td>YES</td> <td>$211.80</td> <td>25.74%</td> <td></td> </tr> <tr> <td>ADVANCES</td> <td>$0.00</td> <td>$0.00</td> <td>YES</td> <td>$0.00</td> <td>29.24%</td> <td></td> </tr> <tr> <td>**BALANCE TRANSFER</td> <td>$0.00</td> <td>$0.00</td> <td>YES</td> <td>$0.00</td> <td>29.24%</td> <td></td> </tr> <tr> <td>**PURCHASES</td> <td>$349.20</td> <td>$341.01</td> <td>YES</td> <td>$8.19</td> <td>29.24%</td> <td></td> </tr> <tr> <td>**ADVANCES</td> <td>$0.00</td> <td>$0.00</td> <td>YES</td> <td>$0.00</td> <td>29.99%</td> <td></td> </tr> </table> EXHIBIT 2 BILL OF SALE AND ASSIGNMENT OF ASSETS For value received, the undersigned Assignor ("Assignor") hereby absolutely sells, transfers, assigns, sets-over, quitclaims and conveys to Resurgent Acquisitions LLC, a limited liability company organized under the laws of Delaware ("Assignee"), all of Assignor's right, title and interest in and to each of the assets identified in the Asset Schedule ("Asset Schedule") attached hereto as Exhibit A (the "Assets"), identified in a file named 883_usb_sale_20250221.xlsx], together with the right to collect all principal, interest or other proceeds of any kind with respect to the Assets remaining due and owing as of the date hereof (including but not limited to proceeds derived from the conversion, voluntary or involuntary, of any of the Assets into cash or other liquidated property, including, without limitation, insurance proceeds and condemnation awards), from and after the date of this Bill of Sale and Assignment of Assets. DATED: February 26, 2025 Lot Number Account Type Number of Assets Balance 883 Consumer Stop [redacted] [redacted] Communication [redacted] [redacted] Written/Verbal [redacted] [redacted] ASSIGNEE: Resurgent Acquisitions LLC Signed by: By: Naomi MueTtner Name (print): Naomi MueTtner Title: Senior Vice President ASSIGNOR: U.S. Bank National Association, as credit issuer operating under U.S. Bank, Elan Financial Services, and ACG Card Services Signed by: By: Eian Clinkscale Name: Eian Clinkscale Title: Sr. Vice President Signed by: By: Lori Talarico Name: Lori Talarico Title: Vice President - Collections Manager EXHIBIT A ASSET SCHEDULE File Name [883_usb_sale_20250221.xlsx] <table> <tr> <th>Seller Institution Name</th> <th>Category of Asset</th> <th>Purchase Price (%)</th> <th>Lot</th> <th>Number of Accounts</th> <th>Current Balance</th> <th>Purchase Price ($)</th> </tr> <tr> <td>U.S. Bank National Association</td> <td>Consumer Stop Communication Written/Verbal</td> <td>⚫⚫⚫⚫</td> <td>883</td> <td>⚫⚫⚫⚫</td> <td>⚫⚫⚫⚫</td> <td>⚫⚫⚫⚫</td> </tr> </table> A DATA SALE FILE WILL BE PROVIDED CONTAINING THE FOLLOWING ASSETS INFORMATION, EXCEPT TO THE EXTENT NOT AVAILABLE DUE TO NO FAULT OF SELLER: Account Number Maker and Co-Maker Account Name Co-Maker Work Phone Maker Address Co-Maker Home Phone Charge-Off Date Maker Work Phone Date Account Opened Charge-Off Balance Maker Home Phone Last Payment Date Current Balance Maker Social Security Number Last Payment Amount Last Activity Date Last Activity Amount Co-Maker Date of Birth Charge off Balance Breakdown (Principal, Interest, Late Fees, Other Fees) Date of First Delinquency Maker Date of Birth Co-Maker SSN Predecessor Account Numbers Post Charge-Off Amount Post Charge-Off Credits Post Charge-Off Interest Post Charge-Off Fees Post Charge Off Payments Representative Name* Representative Address* Representative Phone* *If Available Declaration of Account Transfer Resurgent Acquisitions LLC ("RALLC"), without recourse, to the extent permitted by applicable law, transferred, sold, assigned, conveyed, granted and delivered to LVNV Funding LLC ("LVNV") all of its right, title and interest in and to the receivables and other assets (the "Assets") identified on Exhibit A, in the Receivable File dated February 21, 2025 delivered by U.S. Bank, N.A. on February 26, 2025 for purchase by RALLC on February 26, 2025. The transfer of the Assets included electronically stored business records. Resurgent Acquisitions LLC a Delaware Limited Liability Company By: [signature] Name: Jackson Walker Title: Authorized Representative LVNV Funding LLC a Delaware Limited Liability Company By: [signature] Name: Dan Picciano Title: Authorized Representative Exhibit A Receivables File 02.26.25 883_usb_sale_20250221 Transfer Group Portfolio Transfer Batch 1118956 45277 N/A File Name: 883_usb_sale_20250221 Line Number: 1469 Pool Number: [Redacted]J4797 Account Number/PA# [Redacted] Primary Customer Last Name [Redacted] Primary Customer First Name [Redacted] 883_usb_sale_20250221 1470 [Redacted] [Redacted]9057 [Redacted] [Redacted]0790 [Redacted] 883_usb_sale_20250221 1471 [Redacted] [Redacted]2785 [Redacted] [Redacted]1462 [Redacted] 883_usb_sale_20250221 1473 [Redacted]J4475 [Redacted] [Redacted]J9352 [Redacted] 883_usb_sale_20250221 1474 [Redacted]J9430 [Redacted] [Redacted]6439 [Redacted] 883_usb_sale_20250221 1475 [Redacted]J3704 [Redacted] 883_usb_sale_20250221 1476 [Redacted]DALTON [Redacted] 883_usb_sale_20250221 1477 [Redacted] 883_usb_sale_20250221 1478 [Redacted] 883_usb_sale_20250221 1479 [Redacted]3064 883_usb_sale_20250221 1480 [Redacted]J3262 [Redacted] 883_usb_sale_20250221 1481 [Redacted]J3092 [Redacted] 883_usb_sale_20250221 1482 [Redacted]6645 [Redacted] 883_usb_sale_20250221 1483 [Redacted]J4325 [Redacted] 883_usb_sale_20250221 1484 [Redacted]J4444 [Redacted] 883_usb_sale_20250221 1485 [Redacted]J9110 [Redacted] 883_usb_sale_20250221 1486 [Redacted]2705 [Redacted] 883_usb_sale_20250221 1487 [Redacted]J5328 [Redacted] 883_usb_sale_20250221 1488 [Redacted]J8546 [Redacted] 883_usb_sale_20250221 1489 [Redacted]5795 [Redacted] PrimaryCustomerSSN: [Redacted] PrimaryContactDateofBirth: [Redacted] PrimaryCustomerPreferredAddressLine1: [Redacted] [Redacted] PrimaryCustomerPreferredAddressLine2: [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 15855 530 RD E PrimaryCustomerPreferredCity PrimaryCustomerPreferredState PrimaryCustomerPreferredZip PrimaryCustomerPreferredAddressType [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] INOLA OK 740365092 5 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Primary/CustomerPreferredPhoneNumber [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Y Primary/CustomerPreferredPhoneType [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Primary/CustomerPreferredPhoneDoNotContactIndicator [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PrimaryCustomerBusinessOtherPhoneNumberType PrimaryCustomerBusinessOtherPhoneNumber PrimaryCustomerBusinessOtherPhoneAvailabilityIndicator [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PrimaryCustomerBusinessOtherPhoneDoNotContactIndicator [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [ Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] PatuChargeonPrincipal OriginalChargeonFoi-interest CurrentChargeonFoiInterest PaidChargeonPreCOFInterest [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 164056 [Redacted] 0 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 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[Redacted] [Redacted] [Redacted] [Redacted] LastPayment/Amount OriginalContractDate Date1stDelinquency LoanCode BankName ProductNumber LastPurchaseDate [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 26900 2020-11-20 00:00:00.000 2024-01-12 00:00:00.000 ELAN ELAN 402 2023-12-01 00:00:00.000 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 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[Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] Comaker1LastName Comaker1FirstName Comaker1DOB Comaker1SSN4Last4 Comaker1DebtorRelationshipType Comaker2LastName [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 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00:00:00.000 BANCFIRST CLAREMORE [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [CurrAddlBalCategoryAmt_CALC] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] 276.00 0 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor. Borrower Information | Current Account Information Name: JULIE DALTON Address: 15855 E 530 Rd City: Inola State: OK Zip Code: 74036-5092 Owner: LVNV Funding LLC Resurgent Reference #: 808054507 Original Creditor: US Bank NA d/b/a Elan Financial Services Account Number: xxxxxxxxxxxxxxxx3064 Current Balance Due: $10572.53 Date of Last Payment: 11/13/2023 Recent Payment Transactions No Transactions Found Historical Account Information The original creditor for this account was: US Bank NA d/b/a Elan Financial Services 60 Livingstone Ave EP-MN-WS3D St Paul, MN 55107 The origination date with original creditor was: 11/20/2020 The account charge-off date was: 06/28/2024 The account charge-off amount was: $10,572.53 The account was acquired on or about: 02/26/2025 The account balance at time of acquisition: $10,572.53 This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.
Disclaimer: This content is sourced from publicly available court records. Crazy Civil Court is an entertainment platform and does not provide legal advice. We are not lawyers. All information is presented as-is from public filings.