CS-2026-00043 - Midland Credit Management, Inc v. Toby R Young

What's This Case About?

Let’s get one thing straight: Toby R Young didn’t get sued because he borrowed $20 from a buddy and never paid it back. No, no—this is Oklahoma, where the stakes are higher and the drama is drier than the panhandle in July. Toby is now legally on the hook—for $8,724.17—because two credit card companies decided they didn’t want his money anymore… but a debt collector really does. And not just any debt collector: Midland Credit Management, Inc., the financial equivalent of a vampire that shows up three years later, fangs out, demanding not just the original debt but the interest, the late fees, the emotional toll of being ghosted by your own credit score.

So who are these people? On one side, we’ve got Toby R Young, a man whose name sounds like a minor character in a John Grisham novel who only appears to deliver bad news. We don’t know much about Toby—his job, his hobbies, whether he likes country music or just endures it like a civic duty. What we do know is that between 2020 and 2024, he had at least two credit cards: one from Capital One tied to a Cabela’s Club account (so yes, he probably likes fishing or at least pretending to), and another Mastercard issued by Synchrony Bank (the kind of card you get when you sign up for a mattress store promotion and then forget it exists). On the other side? Midland Credit Management, Inc.—a debt buying company that doesn’t issue credit, doesn’t run background checks, and definitely doesn’t care if you had a rough year. Their whole business model is this: buy old, unpaid debts for pennies on the dollar, then sue people to collect the full amount. It’s like buying a haunted house at auction for $50,000 and then suing the ghost for property damage.

Now, here’s how we got to court. Back in October 2020, Toby opened that Cabela’s card—possibly to buy a lifetime supply of camouflage socks or a $400 fishing rod he didn’t need. For a while, things were fine. Payments were made. The great American credit machine chugged along. But by February 2024, the payments stopped. The last one posted was on February 17—maybe it was a final Hail Mary before tax season ran out. By October 14, Capital One had had enough. They “charged off” the account, which is corporate-speak for “we’re writing this off as a loss and emotionally detaching.” But—and this is the twist—financially, they didn’t detach at all. Instead, they sold the debt to Midland Credit Management, who swooped in like a vulture at a roadkill buffet and said, “We’ll take that $5,860.68, please.” Then, just to keep things spicy, Midland also bought Toby’s Synchrony Bank Mastercard debt—a newer account, opened in May 2022, with a final payment in April 2024 and charged off in November. That one’s worth $2,863.49. Add them up, throw in some interest, and boom: $8,724.17 in debt collection drama.

Now, why are we in court? Because Midland didn’t just send Toby a strongly worded letter. They filed a petition for indebtedness—twice, actually, like they wanted to make sure the judge got the message. Legally, this means they’re asking the court to officially recognize that Toby owes them money and to issue a judgment forcing him to pay. The documents are backed by affidavits from Turae Sullivan, a Legal Specialist at Midland who lives in Minnesota and has never met Toby but swears—under penalty of perjury—that the records show everything is true. She says the accounts were properly transferred, the balances are accurate, and the records were kept “in the regular course of business,” which is legalese for “we didn’t make this up in a backroom while drinking expired energy drinks.” There’s no allegation of fraud, no claim that Toby maxed out the cards and fled the country. Just cold, hard, spreadsheet-certified debt.

And what do they want? $8,724.17. Plus interest. Plus court costs. Now, is that a lot? Well, it’s not “I bought a yacht and now I can’t pay for it” money, but it’s definitely “I could’ve gone to Bali twice” money. It’s also the kind of sum that can wreck a credit score, trigger wage garnishment, or make a person seriously consider moving to a cash-only society. For Midland, this is a day at the office—likely one of hundreds of similar suits they’ve filed. For Toby? It’s probably the most attention he’s gotten from a corporation since his Netflix algorithm decided he “might also like” documentaries about concrete drying.

So what’s our take? Honestly, the most absurd part isn’t the amount, or the fact that a Minnesota-based legal specialist is testifying about an Oklahoma man’s fishing gear debt. It’s the sheer bureaucratic audacity of it all. Toby didn’t do anything illegal. He didn’t scam anyone. He just… stopped paying. And now, through the magic of debt assignment and corporate paper-shuffling, a company he’s never heard of is suing him in a court he didn’t choose, armed with affidavits signed in Stearns County, Minnesota, over transactions that originated with banks that no longer care. It’s like being served divorce papers from a marriage you didn’t remember entering.

Are we rooting for Toby? Sure, in the same way we root for the cockroach that survives the nuclear apocalypse. He’s not a hero. He’s just a guy who probably forgot to cancel a credit card and now has to explain himself to a judge. But we’re also side-eyeing Midland Credit Management, Inc., for treating human financial misfortune like a bulk discount opportunity. Look, if you’re going to show up years later with a spreadsheet and a subpoena, at least have the decency to show up in person. Don’t send a notarized affidavit from a Legal Specialist who’s never seen the Cabela’s in Kingfisher County.

At the end of the day, this isn’t about justice. It’s about balance sheets. And Toby R Young? He’s just a number on one. But hey—maybe if he wins, he can use the savings to finally buy that fishing rod. With cash.

Case Overview

$8,724 Demand Petition

Jurisdiction

Oklahoma

Filing Attorney

William L. Nixon, Jr.

LOVE, BEAL & NIXON, P.C.

Relief Sought

$8,724 Monetary

Plaintiffs

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

Defendants

Toby R Young individual

Claims

#	Cause of Action	Description
1	petition for indebtedness	collection of debt
2	petition for indebtedness	collection of debt

Petition Text

1,198 words

IN THE DISTRICT COURT OF KINGFISHER COUNTY STATE OF OKLAHOMA Midland Credit Management, Inc. Plaintiff, vs. Toby R Young, Defendant. No. CS-20216-43 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. CAPITAL ONE, N.A., provided credit to the defendant on account number XXXXXXXXXXXXXXX1863. Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $5,860.68. An Affidavit of Account is attached hereto and incorporated by reference. COUNT 2 1. SYNCHRONY BANK, provided credit to the defendant on account number XXXXXXXXXXXXXX3435. Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $2,863.49. An Affidavit of Account is attached hereto and incorporated by reference. WHEREFORE, Plaintiff prays for Judgment against the Defendant in the sum of $8,724.17, 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- Young, Toby R, Defendant(s). AFFIDAVIT OF TURAE SULLIVAN Turae Sullivan, 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 CAPITAL ONE, N.A./CABELAS CLUB account XXXXXXXXXXXXX1863 (MCM Number 330047573) (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 $5,860.68 as of 2025-12-22. 5. On or about 2024-11-21, Midland Credit Management, Inc became the successor in interest to this Account. 6. MCM's records show that: 1) the Account was opened on 2020-10-03; 2) the last payment posted to the Account on 2024-02-17; and 3) the Account was charged off on 2024-10-14. 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. JAN 15 2026 Date STATE OF MINNESOTA COUNTY OF STEARNS Turae Sullivan JAN 15 2026 Signed and sworn to (or affirmed) before me on by Turae Sullivan. Christy Lynn Biess Notary Public - Minnesota By Commission Expires 8/15/2030 JAN 15 2026 Notary Public STATE OF OKLAHOMA Midland Credit Management, Inc, Plaintiff -vs- AFFIDAVIT OF TURAE SULLIVAN Young, Toby, Defendant(s). Turae Sullivan, 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 SYNCHRONY BANK/SYNCHRONY MASTERCARD account XXXXXXXXXXXXX3435 (MCM Number 330978242) (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 $2,863.49 as of 2025-12-22. 5. On or about 2025-01-17, Midland Credit Management, Inc became the successor in interest to this Account. 6. MCM's records show that: 1) the Account was opened on 2022-05-29; 2) the last payment posted to the Account on 2024-04-19; and 3) the Account was charged off on 2024-11-11. 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. JAN 15 2026 Date STATE OF MINNESOTA COUNTY OF STEARNS Signed and sworn to (or affirmed) before me on JAN 15 2026 by Turae Sullivan. Christy Lynn Biès Notary Public • Minnesota By Commission Expires 07/11/2023 Notary Public