CS-2026-00021 - BANK OF AMERICA, N.A. v. CLARK E BOLING

What's This Case About?

Let’s be real: nobody tunes into CrazyCivilCourt expecting Shakespeare. We’re here for the drama, the pettiness, the kind of legal fireworks that make you spit out your coffee and ask, “Wait, that’s a thing?” But sometimes, the most mundane filings hit different. Like when a multibillion-dollar bank sues a guy in rural Oklahoma for $7,560.26 because he didn’t pay his credit card bill. That’s it. That’s the whole case. No murder. No betrayal. No secret love child named Chadwick. Just compound interest, a final statement, and the cold, unblinking eye of corporate collection machinery rolling into Latimer County like the Kool-Aid Man through a trailer wall.

Meet Clark E. Boling. He lives on a quiet stretch of Northwest 125th Road in Wilburton, Oklahoma—a town so small it doesn’t even have a stoplight, but apparently does have a District Court willing to handle Bank of America’s grudges. Clark, as far as we can tell from the court documents, is not a fugitive. He’s not a con artist. He’s just a regular dude who, at some point, opened a credit card with Bank of America. Maybe it was for a car repair. Maybe it was for Christmas presents in 2023. Maybe he finally upgraded that ancient water heater that had been groaning like a haunted basement since the Obama administration. We don’t know. What we do know is that he stopped paying. The last payment? April 14, 2025. A full nine months before the bank finally threw up its hands, declared the account “charged off,” and sent the legal wolves in.

And what a charge-off it was. $7,560.26. Let that number sink in. Not $5,000. Not $10,000. $7,560.26. The precision is almost poetic. It’s not a round number. It’s not a settlement figure. It’s the exact sum of purchases, interest, and financial gravity pulling a debt into black hole territory. The final statement—attached as Exhibit 1, because of course it is—shows a previous balance of $7,434.60. Then, like a final insult, $125.66 in interest gets tacked on. That’s it. That’s how you go from “I’ll pay it next month” to “I am now being sued by a Fortune 500 company.”

Now, let’s talk about the real villain here: compound interest. Because while Clark may have missed payments, the thing that turned a modest credit card balance into a legal showdown wasn’t just laziness—it was math. Cold, unfeeling, algorithmic math. The statement helpfully informs us that if Clark had kept paying only the minimum, it would have taken him 21 years to pay off the balance. And get this: he would have ended up shelling out nearly $16,500 in total. That’s more than double what he owed. The bank even puts it in a little table, like a twisted infomercial: “Only the Total Minimum Payment? Congrats! You now owe us more than your car!” It’s not just a bill—it’s a cautionary tale printed on glossy paper and mailed with a side of judgment.

Bank of America, for its part, is not messing around. They’ve hired Nelson and Kennard, LLP—a debt collection law firm that, let’s be honest, probably files more lawsuits before breakfast than most people check their email. The petition is a masterpiece of legal boilerplate: “Plaintiff seeks redress as hereafter delineated.” “The Defendant(s) breached the Contract.” “A true and accurate copy of the last periodic statement…” It’s like they’re reciting from the Necronomicon of credit card law. And their attorney, Ashton Dewayne Sears (OBA #35737, because nothing says “trust me” like a bar number), is based in Colorado, which means this case was likely processed through a remote debt mill where Oklahoma addresses are just data points in a spreadsheet.

So why are they in court? Simple: breach of contract. Clark agreed to pay, he didn’t pay, and now the bank wants its money. No fraud. No theft. Just a broken promise, wrapped in a 19.74% variable APR and buried under a mountain of fine print. The claim is straightforward—so straightforward it’s almost boring. But that’s the genius of modern debt collection. You don’t need drama when you have terms and conditions. You don’t need a smoking gun when you have a late fee policy.

And what do they want? $7,560.26. Plus court costs. Plus sheriff’s fees. Plus “special process server fees,” which sounds like something out of a medieval tax code. Is that a lot? For Bank of America, it’s less than the annual coffee budget for one mid-level VP. For Clark E. Boling, living on a rural road in a county where the median income hovers around $40,000? That’s over two months’ take-home pay. It’s a car payment. It’s a roof repair. It’s a year of groceries. It’s the difference between “I’m behind” and “I’m done.”

Here’s the thing: we’re not rooting for Clark because he’s some noble debtor fighting the system. We don’t know if he’s unemployed, sick, or just really bad at budgeting. And we’re not rooting for Bank of America, because come on—it’s Bank of America. A company so large it probably has its own time zone. But what’s absurd—gloriously absurd—is how this entire legal battle hinges on a process so impersonal, so automated, that it feels less like justice and more like a vending machine dispensing lawsuits. The bank didn’t call Clark. Didn’t negotiate. Didn’t offer a payment plan. It just waited, let the interest cook, then sent a lawyer in Colorado to file a form with a case number that looks like a typo: CS - ale - al. Was that supposed to be “CS-2026-AL”? Did someone sneeze mid-filing?

And let’s not ignore the final irony: the back of Clark’s last statement features an ad for The American Revolution, a Ken Burns documentary airing on PBS. “See the people, events, and imagination that became a nation,” it says. Meanwhile, in the real world, a modern American is being hauled into court for failing to pay a bank that likely received billions in federal bailouts. The revolution, it seems, is not televised. It’s litigated. And it’s brought to you by Bank of America.

We’re entertainers, not lawyers. But if there’s a moral here, it’s this: never let your credit card balance exceed your survival instincts. And if you see a process server walking down your gravel road, maybe—just maybe—start saving up.

Case Overview

$7,560 Demand Petition

Jurisdiction

District Court of Latimer County, Oklahoma

Filing Attorney

Ashton Dewayne Sears

Nelson and Kennard, LLP

Relief Sought

$7,560 Monetary

Plaintiffs

BANK OF AMERICA, N.A. business
Rep: Nelson and Kennard, LLP

Defendants

CLARK E BOLING individual

Claims

#	Cause of Action	Description
1		breach of contract for non-payment of credit account

Petition Text

2,498 words

IN THE DISTRICT COURT OF LATIMER COUNTY STATE OF OKLAHOMA BANK OF AMERICA, N.A., Plaintiff, vs. CLARK E BOLING Defendant(s). Case No. CS - ale - al 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 banking association, 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. 3. The last four (4) digits of the Defendant’s account number, used by the current creditor as of the date of default are XXXXXXXXXXXXX6960. 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 11/29/25, the balance due at time of default was $7,560.26. 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. 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 $7,560.26. 7. The date of the last payment made by the Defendant(s) is April 14, 2025. 8. Plaintiff seeks court costs, and for such further relief as the Court may deem proper in the premises. WHEREFORE, Plaintiff, BANK OF AMERICA, N.A. prays for judgment against the Defendant(s), CLARK E BOLING in the amount of $7,560.26, plus all costs herein expended, including but not limited to, court costs, sheriff’s fees, and special process server fees; and for such other and further relief as the Court may deem proper in the premises. Dated this January 27, 2026 Nelson and Kennard, LLP By: ________________________________ 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 CLARK E BOLING 931 NW 125TH RD WILBURTON OK 74578-5467 Account Summary/Payment Information Previous Balance $7,434.60 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Interest Charged $125.66 New Balance Total $7,560.26 Total Credit Line $6,900.00 Total Credit Available $0.00 Cash Credit Line $2,200.00 Portion of Credit Available for Cash $0.00 Statement Closing Date 11/25/2025 Days in Billing Cycle 31 New Balance Total $7,560.26 Current Payment Due $200.00 Past Due Amount $1,513.00 Total Minimum Payment Due $1,713.00 Payment Due Date 12/22/2025 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $39.00 and your APRs may be increased up to the Penalty APR of 29.99%. Total Minimum Payment Warning: If you make only the Total 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 payoff 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 Total Minimum Payment</td> <td>21 years</td> <td>$16,404.00</td> </tr> </table> If you would like information about credit counseling services, call 866.300.5238. Customer Service Information: www.bankofamerica.com 1.800.421.2110 Mail billing inquiries to: Bank of America P.O. Box 672050 Dallas TX 75267-2050 Mail payment to: Bank of America P.O. Box 851001 Dallas TX 75285-1001 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge you any interest on Purchases if you always pay your entire "Grace Period Balance", as defined in the next two paragraphs, by the Payment Due Date. Specifically, you will not pay interest for an entire billing cycle on Purchases if you Paid in Full the two previous Grace Period Balances on your account by their respective Payment Due Dates; otherwise, each Purchase begins to accrue interest on its transaction date or the first day of the billing cycle, whichever date is later. We will begin accruing Interest on Balance Transfers and Cash Advances on the transaction date. If you do not have an active Custom Pay Plan, your Grace Period Balance will be the New Balance Total. New Balance Total (also referred to as the "Statement Balance") is the total billed amount as of the Closing Date of a billing cycle, as shown on your monthly statement, plus any adjustments for subsequently returned payments. If you have an active Custom Pay Plan, your Grace Period Balance will be the Interest Saving Balance as shown on your monthly statement plus any adjustments for subsequently returned payments. The Interest Saving Balance is your New Balance Total minus, any balances subject to a Custom Pay Plan, plus any Custom Pay Plan Payment(s) due, as shown on your monthly statement. TOTAL INTEREST CHARGE COMPUTATION - Interest charges accrue and are compounded on a daily basis. To determine the interest charges, we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result is multiplied by the number of days in the billing cycle. To determine the total interest charge for the billing cycle, we add the interest charges together. A Daily Periodic Rate is calculated by dividing an Annual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Monthly minimum payments are required when you carry a balance. Payments are allocated to posted balances. We will first allocate the amount of your payment equal to the Total Minimum Payment Due to any Custom Pay Plan Payment due, then to the lowest APR balances in turn (including transactions made after this statement). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs, and finally to any Custom Pay Plan balances. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment. For your protection, we will ask for security information. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account; however, only a portion of that is available for Bank Cash Advances. The Cash Credit Line is that amount you have available for Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents, and applicable transaction fees. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases by: (1) calculating a daily balance for each day in the current billing cycle; (2) adding all the daily balances together; and (3) dividing the sum of the daily balances by the number of days in the current billing cycle. To calculate the daily balance for each day in the current billing cycle, we: (1) take the beginning balance less any Purchases assigned to an existing Custom Pay Plan; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; (3) add new Purchases, new Account Fees, and new Transaction Fees; (4) subtract Purchases assigned to a new Custom Pay Plan; and (5) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. Average Balance Method (including new Balance Transfers and new Cash Advances): We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances by: (1) calculating a daily balance for each day in the current billing cycle; (2) calculating a daily balance for each day prior to the current billing cycle that had a Pre-Cycle balance - a "Pre-Cycle balance" is a Balance Transfer or a Cash Advance with a transaction date prior to the current billing cycle but with a posting date within the current billing cycle; (3) adding all the daily balances together; and (4) dividing the sum of the daily balances by the number of days in the current billing cycle. To calculate the daily balance for each day in the current billing cycle, we: (1) take the beginning balance; (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; (3) add new Balance Transfers, Cash Advances and Transaction Fees; and (4) subtract applicable payments and credits. If any daily balance is less than zero, we treat it as zero. To calculate a daily balance for each day prior to the current billing cycle that had a Pre-Cycle balance, we: (1) take the beginning balance attributable solely to a Pre-Cycle balance (which will be zero on the transaction date associated with the first Pre-Cycle balance); (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance; and (3) add only the applicable Pre-Cycle balances, and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. MISCELLANEOUS - Promotional Rate End Date: This date is based on a future statement closing date. If you change your Payment Due Date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. Bank of America is a registered trademark of Bank of America Corporation. ©2025 Bank of America Corporation PAYMENTS - We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion of your monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your statement accompanying it. However, mailed payments need not be sent in a return envelope if we sent you a statement without a return envelope. Payments received by mail after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements, will be credited as of the next day. Payments made online or by phone by 11:59 p.m. ET will be credited as of the date they are made. Credit for any other payments may be delayed up to five days. Cash payments made with our tellers will only be accepted with valid identification. No payment, including those marked with paid in full or with any other restrictive words, shall operate as an accord and satisfaction without the prior written approval of one of our senior officers. We process most payment checks electronically by using the information found on your check. When you provide a check as payment, you authorize us to use information from your check to make a one-time electronic fund transfer from your account (or process it as a check or paper draft). When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you. If you have authorized us to pay your bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. To stop payment, you must contact us at least three business days before the automatic payment is scheduled to occur. Transactions | Transaction Date | Posting Date | Description | Reference Number | Account Number | Amount | Total | |-----------------|--------------|-------------|-----------------|---------------|--------|-------| | 11/25 | 11/25 | Interest Charged | | | 125.66 | | | 11/25 | 11/25 | INTEREST CHARGED ON PURCHASES | | | | | | 11/25 | 11/25 | INTEREST CHARGED ON BALANCE TRANSFERS | | | | | | 11/25 | 11/25 | INTEREST CHARGED ON DIR DEP&CHK CASHADV | | | | | | 11/25 | 11/25 | INTEREST CHARGED ON BANK CASH ADVANCES | | | | | Interest Charged INTEREST CHARGED ON PURCHASES 125.66 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $125.66 <table> <tr> <th>Total fees charged in 2025</th> <td>$223.00</td> </tr> <tr> <th>Total interest charged in 2025</th> <td>$1,276.16</td> </tr> </table> Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. <table> <tr> <th>Type of Balance</th> <th>Annual Percentage Rate</th> <th>Promotional Transaction Type</th> <th>Promotional Offer ID</th> <th>Promotional Rate End Date</th> <th>Balance Subject to Interest Rate</th> <th>Interest Charges by Transaction Type</th> </tr> <tr> <th>Purchases</th> <td>19.74%V</td> <td></td> <td></td> <td></td> <td>$7,495.21</td> <td>$125.66</td> </tr> <tr> <th>Balance Transfers</th> <td>19.74%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <th>Direct Deposit and Check Cash Advances</th> <td>19.74%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <th>Bank Cash Advances</th> <td>22.99%V</td> <td></td> <td></td> <td></td> <td>$0.00</td> <td>$0.00</td> </tr> </table> APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary) Important Messages Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. When this statement was created, the account’s Credit Line was in a restricted status and not available for use. You can request a copy of this statement in either Braille or Large Print by calling 800.432.1000 or going to bankofamerica.com and enter Visually Impaired Access from the home page. Points earned can expire if not redeemed within 60 months from the month earned. To view current point totals and when points expire, visit bankofamerica.com. Choose the credit card account related to this statement in Accounts Overview, then select the Rewards Tab and access the 'see expiration schedule' link for a full view of total points by month of expiration. To view redemption options, select 'Redeem Points'. Points can only be redeemed if the account is open and has active charging privileges. However, if you voluntarily close the card account or we close the card account for inactivity, you must redeem the points within ninety (90) days after closing. If we close your card account for any other reason you will lose your points immediately. A STORY 250 YEARS IN THE MAKING THE AMERICAN REVOLUTION A FILM BY KEN BURNS, SARAH BOTSTEIN & DAVID SCHMIDT See The American Revolution through the lens of Ken Burns in this exploration of the people, events and imagination that became a nation. Only on PBS starting Sun Nov 16 8/7c Learn more at bankofamerica.com/KenBurns