CS-2026-00211 - Midland Credit Management, Inc. v. Sean E. Primas

What's This Case About?

Let’s get one thing straight: in the grand tradition of American consumer capitalism, Sean E. Primas of Kay County, Oklahoma, has apparently decided that not paying $8,109.31 in credit card debt is a lifestyle choice. And now, a faceless debt collection corporation based in Minnesota is trying to make him regret that decision in court. But not because they care about Sean. Oh no. They care about the money. And the interest. And the court costs. And whatever else the judge feels like tossing in. This isn’t a breakup. It’s a financial exorcism.

So who is Sean E. Primas? Honestly, we don’t know much. He’s not a celebrity. He’s not a politician. He’s not even someone who left a dramatic voicemail or started a neighborhood feud over a fence. He’s just a guy—probably with a job, maybe a dog, possibly a Netflix subscription—who once upon a time opened two credit cards: one with Comenity Bank (likely linked to a retail store, because who opens a Comenity card for fun?), and another with Citibank, possibly under the brand name “Simplicity,” which, if we’re being honest, is a wildly ironic name for anything involving debt. At some point, Sean stopped paying. The accounts went silent. The last recorded payment on the Comenity card was March 7, 2024. On the Citibank card? July 10, 2024. Not ancient history. Not even that long ago. But long enough for the banks to give up and sell the debt to the financial equivalent of a vulture: Midland Credit Management, Inc.

Now, Midland isn’t some mom-and-pop operation sending sternly worded letters from a P.O. box. They’re a professional debt buyer. They scoop up defaulted accounts in bulk—often for pennies on the dollar—and then try to collect the full amount, like a thrift store reseller flipping a $5 jacket on eBay for $90. Except this isn’t a jacket. It’s someone’s financial reputation. And Midland, from their office in St. Cloud, Minnesota (which, let’s be real, sounds like a place where snowplows outnumber people), has decided that Sean Primas owes them $4,457.95 from the Comenity account and another $3,651.36 from Citibank—totaling $8,109.31. And they’re not asking nicely. They’ve filed a lawsuit in the District Court of Kay County, Oklahoma, because that’s where Sean lives, and that’s where you sue someone when you want to collect money from them. It’s not personal. It’s jurisdictional.

The story, as told through dry legal affidavits and robotic corporate language, is less “Breaking Bad” and more “Quiet Descent into Credit Score Oblivion.” Sean had cards. He used them. He stopped paying. The banks charged off the accounts—meaning they wrote them off as losses for accounting purposes—and then sold the debt to Midland. Midland, in turn, hired Turae Sullivan, a Legal Specialist with the emotional flair of a spreadsheet, to swear under penalty of perjury that yes, the records show Sean still owes this money. The affidavits are meticulous, citing account numbers, dates of last payment, charge-off dates, and the cold, hard balances. There’s no drama. No accusation of fraud. No claim that Sean went on a shopping spree and fled the country. Just a series of financial dominoes falling exactly as they do millions of times a year across America: spend, miss payments, default, sell debt, sue.

And now here we are. Midland wants a judgment. That means they’re not asking for cash upfront—they’re asking the court to officially declare that Sean owes them this money. Once they have that judgment, they can potentially garnish wages, freeze bank accounts, or just sit on it like a dragon hoarding gold. The demand? $8,109.31. Is that a lot? Well, it’s not nothing. It’s about the cost of a used car, a solid chunk of a down payment on a house, or, if you’re feeling spicy, a one-way ticket to Belize. But in the world of civil debt collection, it’s not exactly a jackpot. Midland probably paid a few thousand bucks for the right to chase this money. So if they win, it’s a win. If they don’t? They move on. Sean is just one of thousands.

But here’s the absurd part: this entire legal showdown hinges on paperwork generated by a company that wasn’t even there when the debt was created. Midland didn’t issue the cards. They didn’t approve Sean’s credit limit. They weren’t the ones sending monthly statements or offering 0% balance transfer deals. They bought the debt secondhand, sight unseen, and now they’re suing in their own name, armed with electronic records they inherited from someone else. Turae Sullivan, the Legal Specialist, swears she’s seen the data and it all checks out—but she’s never met Sean, never reviewed his original application, and certainly never watched him swipe that card at a Walmart or a gas station. It’s like a stranger buying your unpaid library fines and then suing you for the late fees. The system works… technically. But it feels less like justice and more like financial whack-a-mole.

So what are we rooting for? Honestly? We’re rooting for the paperwork to crack. Not because Sean necessarily deserves a free pass—maybe he maxed out those cards on steak dinners and concert tickets and just decided he’d rather keep the memories than the money. Or maybe he lost his job, got sick, or just got buried under the avalanche of modern life. We don’t know. But we do know that Midland’s entire case rests on the assumption that their records are flawless, that the chain of ownership is unbroken, and that Sean will either ignore the lawsuit or show up unprepared. And that’s the quiet tragedy of these debt cases: they’re not fought in courtrooms with dramatic cross-examinations. They’re won by default. By silence. By people who don’t show up because they’re working two jobs or don’t understand the mail they got.

So while we can’t root against basic financial responsibility, we can at least side-eye the whole machinery of debt collection—the way money gets packaged, sold, and litigated like it’s Monopoly cash. Sean E. Primas may owe this money. Or he may have already paid it, disputed it, or had it discharged. We don’t know. But one thing’s for sure: in the battle of a single Oklahoma man versus a corporate debt collector with a notarized spreadsheet, the real villain might just be the system itself. And if that’s not a true crime podcast waiting to happen, we don’t know what is.

Case Overview

$8,109 Demand Affidavit

Jurisdiction

District Court, Oklahoma

Filing Attorney

Turae Sullivan

Relief Sought

$8,109 Monetary

Plaintiffs

Midland Credit Management, Inc. business
Rep: Turae Sullivan

Defendants

Sean E. Primas individual

Claims

#	Cause of Action	Description
1	indebtedness	Defendant owes Plaintiff $4,457.95 for defaulted credit account with Comenity Bank
2	indebtedness	Defendant owes Plaintiff $3,651.36 for defaulted credit account with Citibank, N.A.

Petition Text

1,145 words

IN THE DISTRICT COURT OF KAY COUNTY STATE OF OKLAHOMA Midland Credit Management, Inc. Plaintiff, vs. Sean E Primas, Defendant. PETITION FOR INDEBTEDNESS COMES NOW Plaintiff, by and through its undersigned attorneys who hereby enter their appearance herein, and for cause of action against Defendant alleges and states: COUNT I 1. COMENITY BANK, provided credit to the defendant on account number XXXXXXXXXXXXXXXX8739. Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $4,457.95. An Affidavit of Account is attached hereto and incorporated by reference. COUNT 2 1. CITIBANK, N.A., provided credit to the defendant on account number XXXXXXXXXXXXXXXX8519. Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $3,651.36. An Affidavit of Account is attached hereto and incorporated by reference. WHEREFORE, Plaintiff prays for Judgment against the Defendant in the sum of $8,109.31, with interest at the statutory rate, all court costs, and for such other relief as the Court may deem just and proper. STATE OF OKLAHOMA Midland Credit Management, Inc, Plaintiff -vs- AFFIDAVIT OF TURAE SULLIVAN Primas, Sean E, 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 COMENTITY BANK/SONY VISA account XXXXXXXXXXXXXXXX8739 (MCM Number 330124468) (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 $4,457.95 as of 2025-12-22. 5. On or about 2024-11-25, Midland Credit Management, Inc became the successor in interest to this Account. 6. MCM's records show that: 1) the Account was opened on 2010-10-30; 2) the last payment posted to the Account on 2024-03-07; and 3) the Account was charged off on 2024-10-31. 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. Turae Sullivan Christy Lynn Biss Notary Public - Minnesota My Commission Expires: 01/31/2024 Notary Public STATE OF OKLAHOMA Midland Credit Management, Inc, Plaintiff -vs- Primas, Sean E, 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 CITIBANK, N.A./SIMPLICITY account XXXXXXXXXXXXX8519 (MCM Number 332412087) (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 $3,651.36 as of 2025-12-22. 5. On or about 2025-03-25, Midland Credit Management, Inc became the successor in interest to this Account. 6. MCM's records show that: 1) the Account was opened on 2012-09-04; 2) the last payment posted to the Account on 2024-07-10; and 3) the Account was charged off on 2025-02-10. 7. If called to testify as a witness thereon, I could and would competently testify as to all the facts stated herein. 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 Signed and sworn to (or affirmed) before me on by Turae Sullivan. Jan 15 2026 Notary Public OK038 AFFIDAVIT OF TURAE SULLIVAN - 3