KINGFISHER COUNTY • CS-2026-00038
LVNV Funding LLC v. MICHAEL CLAYTON
What's This Case About?
Let’s get one thing straight: this is not a murder mystery. There’s no body in a ditch, no secret affair, no stolen identity drama. But in the world of petty civil court, where the stakes are low and the vibes are deeply bureaucratic, a $6,264.19 credit card bill can feel like the end of the world. And that’s exactly what we’ve got here — a man, a maxed-out credit card, and a corporate hydra of debt collectors so far removed from the original bank that it might as well be a game of financial telephone gone horribly wrong.
Meet Michael Clayton, a resident of Kingfisher County, Oklahoma, living a presumably quiet life on E 790 Road, where the cornfields stretch farther than his credit limit ever did. On the other side of this legal showdown? LVNV Funding LLC — a name that sounds less like a company and more like a virus your IT department warns you about. They’re not a bank. They didn’t issue the card. They weren’t even around when Michael first swiped that Mercury Mastercard back in October 2022. No, LVNV is what happens when debt goes feral — bought, sold, and resold like a cursed collectible until it lands in the lap of some Delaware-registered entity with a law firm on speed dial.
Here’s how we got here: Michael opened a credit account with First Bank & Trust (a real bank, in South Dakota, yes, really). For a while, things were fine. He made purchases, paid some bills, maybe bought a few things he didn’t need but really wanted — the American Dream, in plastic form. Then, in July 2024, he made his last payment: $225. After that? Radio silence. The account started to bleed late fees, interest, and eventually, in February 2025, it was officially “charged off” — banking code for “we’ve given up on getting paid.” The balance? $6,264.19. That’s not chump change, but it’s also not a Lamborghini. It’s more like a used pickup truck with a decent sound system — or, if you’re unlucky, a year’s worth of groceries.
But here’s where it gets deliciously absurd. First Bank & Trust didn’t just write off the debt and walk away. Oh no. They sold it — in bulk — to a company called Resurgent Acquisitions LLC, which then turned around and sold it again to LVNV Funding LLC. Yes, your debt can be flipped like a house on Fixer Upper. And now, in February 2026, LVNV — a company that never lent Michael a single dollar — is suing him in Kingfisher County District Court to collect every last penny, plus fees, plus court costs, plus attorney fees, because apparently, they’re not just here for the money — they’re here for the principle.
The legal claim? Breach of contract. Fancy words for “you agreed to pay, and you didn’t.” That’s it. No fraud, no theft, no dramatic betrayal — just a failure to send a check. The petition is dry, formulaic, and about as emotionally charged as a toaster manual. But buried in the exhibits is a treasure trove of financial horror: a credit card statement from January to February 2025 showing a minimum payment due of $1,876.24 — more than many people’s rent. And the kicker? The statement warns that if Michael only pays the minimum, it’ll take him 24 years to pay off the balance… and he’ll end up shelling out $17,388 in total. That’s more than double the original debt. And the interest rate? A cool 31.24%. That’s not a credit card — that’s a payday loan with a loyalty program.
Now, you might be wondering: why sue now? Why not just keep calling? Well, because lawsuits are how debt collectors turn paper promises into court-ordered cash. And LVNV isn’t messing around — they’ve got Ashton Dewayne Sears, Esq., of Nelson and Kennard, LLP, a firm that specializes in exactly this kind of thing: suing people over old credit card debt. Sears filed the petition on February 9, 2026, asking for judgment in the amount of $6,264.19, plus costs, fees, and whatever else the court feels like tossing in. No jury trial requested — they don’t want a dramatic courtroom showdown. They want a rubber stamp.
And how much is $6,264.19, really? For some, it’s a vacation. For others, a down payment on a car. For Michael Clayton, it might as well be a million dollars — especially since the account was already charged off, meaning the original lender had already written it off as a loss. Yet here we are, with a third-party debt buyer trying to collect it like it’s fresh. And let’s be real: LVNV probably bought this debt for pennies on the dollar — maybe $500, maybe less. So even if they win, they’re making bank. Literally.
So what’s our take? The most absurd part isn’t that someone’s being sued for a credit card bill. It’s that the entire system runs on debt being treated like a tradable commodity — bought, sold, and litigated by companies that have zero relationship to the original agreement. Michael didn’t sign a contract with LVNV. He never even heard of them. But now they’re in court, demanding he pay up, armed with a chain of paperwork so convoluted it looks like a corporate game of Six Degrees of Kevin Bacon.
We’re not rooting for anyone to dodge their bills. But we are rooting for a system that doesn’t let debt collectors profit from other people’s misfortune — especially when the interest rates are high enough to melt the plastic in your wallet. And if nothing else, let this be a warning: that “minimum payment” line on your credit card statement? It’s not a suggestion. It’s a trap. And if you fall into it, you might just find yourself in court — not with your bank, but with a company named after a Wi-Fi router.
Case Overview
$6,264 Demand
Petition
Jurisdiction
District Court of Kingfisher County, Oklahoma
Relief Sought
$6,264 Monetary
Plaintiffs
-
LVNV Funding LLC
business
Rep: Ashton Dewayne Sears, OBA # 35737, Nelson and Kennard, LLP
Defendants
- MICHAEL CLAYTON individual
Claims
| # | Cause of Action | Description |
|---|---|---|
| 1 | breach of contract | failure to make required monthly payments |
Petition Text
5,055 wordsIN THE DISTRICT COURT OF KINGFISHER COUNTY
STATE OF OKLAHOMA
LVNV FUNDING LLC,
Plaintiff,
vs.
MICHAEL CLAYTON
Defendant(s).
Case No.CS-2021q-38
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 XXXXXXXXXXXXXXXX4892.
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 2/25/25, the balance due at time of default is as follows $6,264.19. 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 $6,264.19.
7. The date of the last payment made by the Defendant(s) is July 18, 2024.
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), MICHAEL CLAYTON in the amount of $6,264.19, 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 February 9, 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
Account Number XXXX XXXX XXXX 4892
January 22, 2025 - February 21, 2025
PAYMENT INFORMATION
New Balance $6,264.19
Minimum Payment Due $1,876.24
Payment Due Date 03/18/2025
Late Payment Warning:
If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $41.00.
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>24 years</td>
<td>$17,388.00</td>
</tr>
</table>
If you would like information about credit counseling services, call 844-471-0708.
SUMMARY OF ACCOUNT ACTIVITY
<table>
<tr>
<th>Previous Balance</th>
<th>$6,060.15</th>
</tr>
<tr>
<th>Payments</th>
<th>$0.00</th>
</tr>
<tr>
<th>Other Credits</th>
<th>$0.00</th>
</tr>
<tr>
<th>Purchases and Adjustments</th>
<th>+ $0.00</th>
</tr>
<tr>
<th>Balance Transfers</th>
<th>+ $0.00</th>
</tr>
<tr>
<th>Cash Advances</th>
<th>+ $0.00</th>
</tr>
<tr>
<th>Fees Charged</th>
<th>+ $41.00</th>
</tr>
<tr>
<th>Interest Charged</th>
<th>+ $163.04</th>
</tr>
<tr>
<th>New Balance</th>
<th>$6,264.19</th>
</tr>
<tr>
<th>Statement End Date</th>
<th>February 21, 2025</th>
</tr>
<tr>
<th>Days in Billing Cycle</th>
<th>31</th>
</tr>
<tr>
<th>Past Due</th>
<th>$1,611.60</th>
</tr>
<tr>
<th>Overlimit</th>
<th>$764.19</th>
</tr>
</table>
CREDIT LINE SUMMARY
<table>
<tr>
<th>Total Credit Line</th>
<th>$0.00</th>
</tr>
<tr>
<th>Credit Line for Cash</th>
<th>$0.00</th>
</tr>
<tr>
<th>Total Available Credit</th>
<th>$0.00</th>
</tr>
<tr>
<th>Available Credit for Cash</th>
<th>$0.00</th>
</tr>
</table>
REWARDS SUMMARY
<table>
<tr>
<th>Previous Balance</th>
<th>3,218</th>
</tr>
<tr>
<th>Earned</th>
<th>+ 0</th>
</tr>
<tr>
<th>Redeemed</th>
<th>- 0</th>
</tr>
<tr>
<th>Other Adjustments</th>
<th>+ 0</th>
</tr>
<tr>
<th>Current Balance</th>
<th>= 3,218</th>
</tr>
</table>
Pay Online, Mobile, Phone or Mail
Online www.mercurycards.com
Mobile App In your favorite app store
Phone 866-686-2158
Mail PO BOX 70168
Philadelphia PA 19176-0168
For correspondence only: Customer Service, PO BOX 84064, Columbus GA 31908-4064
Please tear at perforation and make payment payable to Card Services. SEE REVERSE FOR IMPORTANT INFORMATION.
CARD SERVICES
PO BOX 84064
COLUMBUS GA 31908-4064
Check here for any address changes and indicate any changes on reverse.
MICHAEL CLAYTON
16856 E 790 RD
KINGFISHER OK 73750-7058
Account Ending 4892
New Balance $6,264.19
Minimum Payment Due $1,876.24
Payment Due Date 03/18/25
Amount Enclosed ____________
Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing number. If you are enrolled in automatic payments, we reserve the right to cancel enrollment without prior notice. Please do not send post-dated checks as they will be deposited upon receipt. Late payments, partial payments or payments marked “payment in full” or with any other restrictive endorsement can be accepted by us without losing any of our rights under your Cardmember Agreement. We may re-present to your financial institution any payment that is returned unpaid. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 Business Days. Business Day means Monday through Friday, excluding federal holidays.
When Your Mailed Payment Will be Credited. If we receive your mailed payment in proper form at the proper address by 5 p.m. Eastern Time, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. If the payment due date falls on a day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next day. Allow at least 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or not sent to the correct address. The correct address for regular mail is the ‘Payment to’ address on the front of the payment remittance slip. The correct address for express mail is Lockbox Services, Box #70168, 400 White Clay Center Dr, Newark, DE 19711.
Proper Form: For a payment sent by regular or express mail, proper form is a single check or money order, in U.S. dollars, drawn on a U.S. institution, with a single payment remittance slip from your billing statement. Include your name and the last four digits of your Account number. Unless sent by express mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips. No extra pieces of paper.
Payment online, by phone or mobile: Payments made through our website, www.mercureycards.com, through the phone number shown on the front of your statement or through our mobile app and completed by midnight Eastern Time, will be credited as of that day. Otherwise, it will be credited on the next day.
Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us to use information from your check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive your check back from your financial institution.
How to Avoid Paying Interest on Purchases: You will not be charged interest on Purchases if you pay the New Balance in full by the Payment Due Date each month (interest free period, also called Grace Period). If you don’t pay your New Balance in full by the Payment Due Date in a Billing Period, you’ll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post to your Account, subject to applicable law. You can regain the benefit of the interest-free period by paying your New Balance by the Payment Due Date. After you enter an interest-free period again, interest charges on Purchases may still appear on your next billing statement. This reflects interest charged from the beginning of that billing cycle through the date that your payment for the prior billing statement was received. Balance Transfers, Checks and Cash Advances do not have an interest-free period and if these balances are not paid in full by paying your New Balance by the due date, you will lose your interest-free period on new Purchases.
How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the “Balance Subject to Interest Rate.” We use the “Daily Balance Method (including Current Transactions).” For each balance, to determine a daily balance, we start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the prior Billing Period. Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other adjustments. We add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance balance. We generally add other fees to the standard Purchase balance. We add any interest calculated on the previous day’s balance. (This means interest is compounded daily). A credit balance is treated as a balance of zero. This gives us the daily balance. We multiply each daily balance by the applicable daily periodic rate. We do this for each day in the billing period. The Balance Subject to Interest Rate is the average of the daily balances.
Change of Address: If the information on the front of this statement is incorrect, please provide updated information:
Please call us for any address change requests outside of the United States, including the US territories.
Name: ____________________________________________________________________________________________
Address: _________________________________________________________________________________________
City: _______________________________ State: _______________ Zip: ___________________________
Home Phone Number: __________________ Work Phone Number: __________________ Cell Phone Number: __________________
Reminder: A fee may be charged to your account each month for mailed paper statements (see your Cardmember Agreement for details.) You can avoid the fee by enrolling in paperless statements on MercuryCards.com or on the Mercury Cards App.
Your account is now seven payments past due. Please contact us at 844-325-5884 to discuss your options.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
FEES
<table>
<tr>
<th>Date</th>
<th>Date</th>
<th>Description</th>
<th>Amount</th>
</tr>
<tr>
<td>02/18</td>
<td>02/18</td>
<td>Late Fee</td>
<td>$41.00</td>
</tr>
<tr>
<td colspan="3"><b>Total Fees for this Period</b></td>
<td><b>$41.00</b></td>
</tr>
</table>
INTEREST CHARGED
<table>
<tr>
<th>Date</th>
<th>Date</th>
<th>Description</th>
<th>Amount</th>
</tr>
<tr>
<td>02/21</td>
<td>02/21</td>
<td>Interest Charge-Purchases</td>
<td>$136.65</td>
</tr>
<tr>
<td>02/21</td>
<td>02/21</td>
<td>Interest Charge-Cash Advance</td>
<td>$26.39</td>
</tr>
<tr>
<td colspan="3"><b>Total Interest for this Period</b></td>
<td><b>$163.04</b></td>
</tr>
</table>
2025 TOTALS YEAR-TO-DATE
<table>
<tr>
<th>Description</th>
<th>Amount</th>
</tr>
<tr>
<td>Total Fees charged in 2025</td>
<td>$82.00</td>
</tr>
<tr>
<td>Total Interest charged in 2025</td>
<td>$320.73</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 (APR)</th>
<th>Balance Subject to Interest Rate</th>
<th>Interest Charge</th>
</tr>
<tr>
<td>Purchase</td>
<td>31.24% (v)</td>
<td>$5,149.59</td>
<td>$136.65</td>
</tr>
<tr>
<td>Balance Transfer</td>
<td>31.24% (v)</td>
<td>$0.00</td>
<td>$0.00</td>
</tr>
<tr>
<td>Cash Advance</td>
<td>31.24% (v)</td>
<td>$994.32</td>
<td>$26.39</td>
</tr>
</table>
(v) = variable rate
Enroll in Easy Pay to ensure your payment is made by the due date each month. Simply log in to www.mercurycards.com and select Set Up Easy Pay to enroll today.
Variable rates: vary with the market based on the Prime Rate.
Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. If you think we reported inaccurate information to a credit bureau, write to us Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064.
How to Report a Lost or Stolen Card: Call customer service at 866-686-2158.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064.
In your letter, 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.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
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.
Your 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:
1. 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 is 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.)
2. 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.
3. You must not yet have fully paid for the Purchase.
If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064.
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.
Customer Service Address: Card Services, PO Box 84064, Columbus, GA 31908-4064.
EXHIBIT 2
EXHIBIT H
BILL OF SALE AND ASSIGNMENT OF ACCOUNTS
Resurgent– Fresh Flow – February 2025
First Bank & Trust, organized under the laws of South Dakota with a place of business at 520 6th Street, Brookings, South Dakota 57006 ("Seller"), in consideration for the transfer of any and all liabilities or obligations associated with ownership of the Accounts, hereby absolutely sells, transfers, assigns, sets-over and conveys to Resurgent Acquisitions, LLC, a limited liability company organized under the laws of Delaware with its principal place of business at 55 Beattie Place, Suite 400, Greenville, SC 29601 ("Buyer") without representations or warranties, express or implied, of any type, kind or nature except as expressly set forth in the Agreement (hereinafter defined):
(a) all of Seller’s right, title, and interest in and to each of the Accounts identified in the Account schedule attached hereto as Schedule 1 (the "Accounts"), and
(b) all principal, interest, or other proceeds of any kind with respect to the Accounts but excluding any payments or other consideration received by or on behalf Seller on or prior to February 26, 2025, with respect to the Accounts.
This Bill of Sale is being executed and delivered pursuant to and in accordance with the terms and provisions of that certain Purchase and Sale Agreement made and entered into by and between the Seller, and the Buyer dated November 22, 2024, (the “Agreement”).
DATED: February 28, 2025
By: Michele Teeslink
Title: VP, Director of Operations, National Products
Schedule 1
id
5883
1486
8475
6547
9509
8325
2529
9240
0889
2600
7825
5059
6423
2944
8584
3906
3655
8481
6174
9536
5885
8670
1520
3633
7884
2919
1005
5134
4559
4780
6679
1481
4962
4461
5823
8650
2392
4935
9031
0709
One or more pages of this Exhibit have been excised to facilitate storage, processing and delivery.
Redacted excised pages are available upon request.
6161
8879
4799
9579
8667
1663
204
7675
3179
553
0991
245
6247
7204
9804
0970
6835
6033
1878
7331
6409
6244
8040
1842
0529
8613
9661
6396
7049
3208
6693
5992
9756
6992
2638
9957
3348
4446
412
8448
2495
Transfer and Assignment
Resurgent Acquisitions LLC ("RALLC"), without recourse, to the extent permitted by applicable law, hereby transfers, sells, assigns, conveys, grants and delivers 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 27, 2025 delivered by First Bank & Trust on February 28, 2025 for purchase by RALLC on February 28, 2025. The transfer of the Assets included electronically stored business records.
Dated: February 28, 2025 Resurgent Acquisitions LLC
a Delaware Limited Liability Company
By: [signature]
Name: Jackson Walker
Title: Authorized Representative
Dated: February 28, 2025 LVNV Funding LLC
a Delaware Limited Liability Company
By: [signature]
Name: Dan Picciano
Title: Authorized Representative
Exhibit A
Receivables File
02.28.25 To_Resurgent_charge_off_report_20250226
Transfer Group Portfolio Transfer Batch
1119827 45193 N/A
Filename LineNumber
To_Resurgent_charge_off_report_20250226 683
To_Resurgent_charge_off_report_20250226 684
To_Resurgent_charge_off_report_20250226 685
To_Resurgent_charge_off_report_20250226 686
To_Resurgent_charge_off_report_20250226 687
To_Resurgent_charge_off_report_20250226 688
To_Resurgent_charge_off_report_20250226 689
To_Resurgent_charge_off_report_20250226 690
To_Resurgent_charge_off_report_20250226 691
To_Resurgent_charge_off_report_20250226 692
To_Resurgent_charge_off_report_20250226 693
To_Resurgent_charge_off_report_20250226 694
To_Resurgent_charge_off_report_20250226 695
To_Resurgent_charge_off_report_20250226 696
To_Resurgent_charge_off_report_20250226 697
To_Resurgent_charge_off_report_20250226 698
To_Resurgent_charge_off_report_20250226 699
To_Resurgent_charge_off_report_20250226 700
To_Resurgent_charge_off_report_20250226 701
To_Resurgent_charge_off_report_20250226 702
To_Resurgent_charge_off_report_20250226 703
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account_open_date last_statement_date last_payment_date amount_of_last_payment statement_payment_due_date purchase_apr
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2022-10-22 2025-02-21 2024-07-18 225 2025-03-18
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2025-03-18 0.00
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0.00 5500 4820.39 2025-02-25 MICHAEL CLAYTON 16856 E 790 RD KINGFISHER OK
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cpc date_first_dlq paymts_amt_after_chargeoff number_of_paymts_after_chargeoff principal_balance_chargedoff
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REW 2024-08-21 0 [Redacted] 4820.39
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total_amt_interest_chargedoff total_amt_fee_chargedoff total_amt_chargedoff_balance credit_card_number bcbs_credit_card_number
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276 1167.8 6264.19 ■ ■ ■ ■ ■ 4892 [Redacted]0726 [Redacted][5333 [Redacted] [Redacted][8865 [Redacted][3677 [Redacted][8936 [Redacted][4258 [Redacted][4739 [Redacted][1274 [Redacted][2412 [Redacted][1966 [Redacted]
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date_last_purch amt_last_purchase Original/Creditor ProductName
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First Bank & Trust
2024-08-16 14.99 Mercury? Mastercard
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ACCOUNT SUMMARY REPORT
12/18/2025 1:56:52 PM
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.
<table>
<tr>
<th>Borrower Information</th>
<th>Current Account Information</th>
</tr>
<tr>
<td>Name: MICHAEL CLAYTON<br>Address: 16856 E 790 Rd<br>City: Kingfisher<br>State: OK<br>Zip Code: 73750-7058</td>
<td>Owner: LVNV Funding LLC<br>Resurgent Reference #: 808108636<br>Original Creditor: First Bank & Trust<br>Account Number: xxxxxxxxxxxxx4892<br>Current Balance Due: $6264.19<br>Date of Last Payment: 07/18/2024</td>
</tr>
</table>
Recent Payment Transactions
No Transactions Found
Historical Account Information
The original creditor for this account was: First Bank & Trust
520 Sixth Street
Brookings, SD 57006
The origination date with original creditor was: 10/22/2022
The account charge-off date was: 02/25/2025
The account charge-off amount was: $6,264.19
The account was acquired on or about: 02/28/2025
The account balance at time of acquisition: $6,264.19
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.