CJ-2026-1020 - Tinker Federal Credit Union v. Madalyne B. Loman

What's This Case About?

Let’s be real: you don’t file a lawsuit in 2026 over a credit card debt from 2018 unless things have gone spectacularly sideways. But here we are, in Tulsa County District Court, where Tinker Federal Credit Union is not just chasing down $14,836.99—it’s also asking the court to go full detective and subpoena the defendant’s employment records like this is Law & Order: Debt Collection Unit. Welcome to the glamorous world of civil litigation, where the stakes are low, the paperwork is high, and someone once listed “Olympus Property” as their employer while reporting exactly $0.00 in annual income. Yes, zero. Not “under $10,000.” Not “confidential.” A big, fat, bold-faced 0.00. And somehow, that wasn’t the red flag that stopped them from getting a $5,000 credit line.

So who are we talking about? On one side: Tinker Federal Credit Union, which sounds like it should be run out of a military base hangar but is, in fact, a very real financial institution serving federal employees and their families across Oklahoma. They’re represented by Jeffery S. Ludlam of Hall & Ludlam, PLLC—a man whose job apparently includes drafting legal petitions with the emotional intensity of a DMV receipt. On the other side: Madalyne B. Loman, formerly Wilson, a Sand Springs resident who applied for a Visa Platinum card back in July 2016 with a home phone number, a cell phone number (missing), a work phone number (listed), and an income so mysterious it makes Bigfoot look verifiable. Her application shows she worked at Olympus Property for five years—but listed her annual gross income as… you guessed it… $0.00. Twice. Like they really wanted to drive the point home. Was she volunteering? Was she being paid in exposure? In trade secrets? We may never know. What we do know is that she signed the application, swore everything was true, and then—somewhere between 2018 and 2026—vanished into the financial ether.

Here’s how we got here: In February 2018, Madalyne entered into what the credit union calls a “Contract”—which is legalese for “you promised to pay us back, and now you haven’t.” She racked up charges on her TFCU credit card, presumably buying things like groceries, gas, or possibly an unusually expensive collection of decorative garden gnomes. At some point, the payments stopped. The balance grew. Interest accrued. And by March 2, 2026—eight years later—the debt had ballooned to $14,836.99. That’s not chump change. That’s a used car. That’s a down payment on a wedding. That’s a lot of therapy sessions. TFCU, presumably tired of sending polite reminders and automated calls that probably went to voicemail or a disconnected line, decided to escalate. They lawyered up, ran a military status check (more on that in a sec), and filed this petition faster than you can say “statute of limitations.”

Now, why are they in court? Officially, it’s for breach of contract—a fancy way of saying, “You agreed to pay us, and you didn’t.” Simple enough. But buried in paragraph 5 is the real plot twist: TFCU is asking the court for permission to force the Oklahoma Employment Security Commission (OESC)—basically, the state’s unemployment office—to hand over Madalyne’s current employment information. Why? Because they don’t know where she works. Or if she works. Or if she’s even still employed. This isn’t just about collecting money—it’s about finding the person first. It’s Paper Chase: The Lawsuit. And before you ask: yes, this is actually a thing creditors can do. Under Oklahoma law (40 O.S. §4-508(D)), if a debtor’s job info isn’t readily available, a court can order the state to cough it up so the creditor can potentially garnish wages. But it’s not exactly common. It’s the legal equivalent of putting out an APB for someone who owes you rent.

And speaking of legal formalities—shoutout to the Servicemember’s Civil Relief Act (SCRA) check. Every time a creditor sues someone, they have to confirm the defendant isn’t in the military, because service members get special protections like interest rate caps and eviction delays. TFCU didn’t just wing it—they had a Collections Legal Specialist named Ashley Brintnall swear under penalty of perjury that she checked the DoD database and confirmed Madalyne Loman is not on active duty. The SCRA report is hilariously thorough: “No,” “NA,” “No,” “NA,” “No,” “NA.” It’s like the government version of “Are you sure she’s not in the Army?” “No, Your Honor. Not in the Army. Not in the Navy. Not even in the NOAA Commissioned Corps.” It’s oddly reassuring that someone, somewhere, is this diligent about making sure we don’t accidentally sue a deployed Marine over a credit card bill.

So what does TFCU want? $14,836.99, plus interest, plus attorney’s fees, plus collection costs—basically, every penny they can squeeze out of this situation. Is $14,836 a lot? In the grand scheme of debt collection lawsuits? It’s mid. Not “I bought a boat” levels of debt, but not “I forgot to cancel a streaming subscription” either. It’s the kind of number that suggests years of compounding interest, late fees, and possibly a balance transfer or two gone wrong. For a credit union, it’s worth pursuing—especially if they think Madalyne has a steady job now and they can finally get paid. But for an individual? That’s a crushing burden. It’s the difference between keeping your car and having it repossessed. Between making rent and getting evicted. Between financial stability and a spiral that takes years to climb out of.

Our take? The most absurd part isn’t the $0 income. It’s not even the eight-year gap between default and lawsuit. It’s that in 2016, someone at Tinker Federal Credit Union looked at an application that said “I work full-time but make no money” and said, “Yep, this checks out. Give her the Visa Platinum.” Did they call Olympus Property to verify employment? Did they ask for pay stubs? Bank statements? A single W-2? The application doesn’t say. All we know is that they approved her—for $5,000—based on what appears to be nothing. And now, nearly a decade later, they’re asking the state government to help them find her so they can get paid. It’s like lending money to a ghost and then hiring a medium to track them down.

Do we feel bad for Madalyne? Maybe. Did she sign a contract? Yes. Did she spend money she didn’t pay back? Also yes. But come on—zero income? That’s either a massive oversight or a bold-faced lie, and either way, the credit union bears some responsibility for not noticing. We’re not rooting for debt evasion. We’re rooting for accountability—on both sides. If you’re going to hand out credit like candy, don’t act shocked when someone binges. And if you’re going to vanish into the financial wilderness, at least don’t leave a paper trail this juicy.

So here’s to you, Madalyne B. Loman. Whether you’re living off-grid in a yurt or just changed your name and moved to Belize, one thing’s for sure: you’ve become the star of a very niche, very awkward chapter in Oklahoma’s civil court history. And Tinker Federal Credit Union? Y’all might want to tighten up those underwriting standards. Because next time, the ghost might not even leave a forwarding address.

Case Overview

$14,837 Demand Petition

Jurisdiction

District Court of Tulsa County, Oklahoma

Filing Attorney

Jeffery S. Ludlam

Hall & Ludlam, PLLC

Relief Sought

$14,837 Monetary

Plaintiffs

Tinker Federal Credit Union business
Rep: Jeffery S. Ludlam, OBA #17822

Defendants

Madalyne B. Loman individual

Claims

#	Cause of Action	Description
1	breach of contract	default on credit card account

Petition Text

1,958 words

IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA TINKER FEDERAL CREDIT UNION ) Plaintiff, vs. ) MADALYNE B. LOMAN, ) Defendant. FILED DISTRICT COURT TULSA COUNTY, OKLAHOMA March 5, 2026 11:43 AM Case No. DON NEWBERRY, COURT CLERK Case Number CJ-2026-1020 PETITION Plaintiff, Tinker Federal Credit Union ("TFCU"), for its cause of action against Defendant, Madalyne B. Loman ("Defendant"), alleges and states as follows: 1. On or about February 1, 2018, Defendant executed a credit card open account (hereinafter referred to as the "Contract") and became obligated to pay TFCU for all charges made thereon. See Exhibit "A". 2. Defendant defaulted on the Contract by failing to timely pay and is indebted to TFCU in the amount of $14,836.99 as of March 2, 2026. 3. TFCU is entitled to contractual interest, reasonable attorney's fees and its reasonable costs of collection under the terms of the Contract and under 12 O.S. §936. 4. Pursuant to the Servicemember’s Civil Relief Act of 2003, TFCU has reviewed the Department of Defense website and determined Defendant is not in the military. See the Affidavit attached hereto as Exhibit “B”. 5. Pursuant to 40 O.S. §4-508(D), TFCU requests an Order that at any time or times subsequent to the filing of this order, the Oklahoma Employment Security Commission shall produce, within thirty (30) days of receipt of this order, employment information of the Defendant. WHEREFORE, Tinker Federal Credit Union prays for judgment against Defendant, Madalyne B. Loman for $14,836.99, plus contractual interest, TFCU’s reasonable attorney’s fees and costs incurred in pursuit of this action, TFCU’s reasonable attorney’s fees and costs incurred in collection of the Judgment and for such other and further relief as this Court deems just and proper. Respectfully submitted, Jeffery S. Ludlam, OBA #17822 HALL & LUDLAM, PLLC 210 Park Ave, Suite 3001 Oklahoma City, OK 73102 (405) 600-9500 Telephone (405) 871-5403 Facsimile [email protected] Tinker Federal Credit Union Application for Credit Date of Application: 07/14/16 Account #: 0002 Credit Limit Requested: 5,000.00 Mother's Maiden Name: TFCU Heritage Club Member? We intend to apply for joint credit: Applicant (initials) Co-Applicant (initials) Request for: ☒ Visa Platinum ☐ Vise Classic ☐ MasterCard Classic Select One for Classic Card Option A ☐ Option B ☐(See rate disclosures. If preference not indicated, Option A will be given.) Applicant Name: MADALYNE B WILSON Date of Birth: 1986 TIN (SSN): Address: 5115 Skylane Pl City and State: Sand Springs, OK, 74063 Rent, Own or Other: Unknown How long: OY OM Home Phone: 918-407-5665 U.S. Citizen?: U.S. PERSON Prev. Address: City and State: How long: OY OM Curr. Employer: Olympus Property Cell phone or pager number: How long: 5Y OM Work phone: 918-250-2557 Prev. Employer: How long: OY OM Income Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this loan. Employer / Source: Annual Gross Income Olympus Property: 0.00 0.00 0.00 Name and address of nearest relative not living with you: Name: Address: Home Phone: Income Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this loan. Employer / Source: Annual Gross Income 0.00 0.00 0.00 Name and address of nearest relative not living with you: Name: Address: Home Phone: I /We certify that everything stated in this application and on any attachment is true and that I /we understand that TFCU will rely upon the accuracy of this information in reviewing my/our loan request. I /We authorize TFCU to check my/our credit, employment history, and to answer questions others may ask about my/our credit record with TFCU in compliance with all Federal and State Regulations. If I /we are accepting a credit card offer, I /we have read and agreed to the terms and conditions given with this application. I /We also agree to be bound by the terms and conditions of the Cardholder Agreement and Disclosure Statement accompanying the Visa, MasterCard, Gold MasterCard, and Platinum products and all amendments thereto. The USA Patriot Act requires that TFCU verify the identity of all account holders. TFCU may ask me or my co-applicant to show proof of our identity. 07/14/2016 Applicant Signature Date Loan Officer Approval Code: 1577 Co-Applicant / Co-Signer Signature Date Referring Employee SHARON KIKLAK MSA 8525 Branch 5420 Closing Employee SHARON KIKLAK MSA 8525 Branch 5420 Transfer Balance (Optional) The amount of transfer will be posted to your TFCU credit card account as a cash advance, subject to the terms of the Cardholder Agreement and Disclosure Statement. The total amount of transfer requests cannot exceed your credit line. TFCU sends either full or partial payment to your creditors in the order you list them. Any changes you make to your other account after you transfer the balance should be paid directly to that credit card center, instead of Tinker Federal Credit Union. If the next payment on your other credit card is due within 30 days, you should make the payment and deduct the amount from the “Amount to Transfer” below. Account Number: ____________________________ Amount to Transfer: ____________________________ Card Name: ____________________________ Billing Address: ____________________________ CPO LOMAN, MADALYNE B**4108 MAPLE DR**SAND SPRINGS*OK*74063-2438 PER DAY INTEREST .0000 ACCOUNT PAYOFF 03/02/26 14,836.9900 03/03/26 14,836.9900 03/04/26 14,836.9900 03/05/26 14,836.9900 03/06/26 14,836.9900 03/07/26 14,836.9900 03/08/26 14,836.9900 03/09/26 14,836.9900 03/10/26 14,836.9900 03/11/26 14,836.9900 03/12/26 14,836.9900 AFFIDAVIT STATE OF OKLAHOMA COUNTY OF OKLAHOMA ) ss. Ashley Brintnall, of lawful age, being first duly sworn, upon oath deposes and states: I. I am a Collections Legal Specialist for Tinker Federal Credit Union and I am authorized to make this Affidavit of its behalf. Based on a review of the Department of Defense website Madalyne B. Loman not in the military. A copy is attached here to. Signed under penalty of perjury [Signature] Ashley Brintnall Subscribed and sworn to before me this 2nd day of March, 2026. [Signature] Notary Public My Commission Expires: (SEAL) EXHIBIT B Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-0931 Birth Date: Dec-XX-1986 Last Name: LOMAN First Name: MADALYNE Middle Name: BELL Status As Of: Mar-02-2026 Certificate ID: GHQZ22T8381736B <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individual's active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided.