CS-2026-00053 - JEFFERSON CAPITAL SYSTEMS LLC v. DEBBIE COKER

What's This Case About?

Let’s be real: someone got sued over $2,362.66. That’s not even enough to buy a used car with a working AC. It’s not enough to cover a down payment on a house. It’s barely enough to cover a month of daycare in some cities. But apparently, it’s enough to trigger a full-blown legal operation, complete with affidavits, notaries, a law firm with three named partners, and a federal database check to make sure the defendant isn’t in the military. Yes, a multi-state debt collection machine has descended upon one woman in Kingfisher County, Oklahoma, because she didn’t pay her Aspire credit card bill. And now, we’re all here to watch the receipts.

So who are these people? On one side, we have Jefferson Capital Systems LLC — a name that sounds like a Bond villain’s offshore investment front, but is actually a professional debt buyer based in Georgia. They don’t issue credit cards. They don’t approve loans. What they do is buy up mountains of defaulted consumer debt for pennies on the dollar, then turn around and sue people to collect the full amount. It’s a whole industry, and Jefferson Capital is one of its more prolific players. They’re represented by Faber and Brand LLC, a debt-collection law firm with offices in Missouri that seems to specialize in these kinds of cases — the kind where the plaintiff never actually met the defendant, but still wants their money.

On the other side: Debbie Coker. That’s it. That’s the name. We don’t know her age, her job, or whether she owns a cat. But we do know she opened a credit card account with The Bank of Missouri under the Aspire brand on or around November 28, 2021. Aspire is one of those subprime credit cards marketed to people with shaky credit — high interest, low limits, lots of fees. Think of it as a financial trampoline: it can help you bounce back, but one wrong move and you’re flat on your face. Debbie’s credit line started at $2,250 and eventually bumped up to $2,373. Not exactly Fortune 500 territory, but enough to buy some furniture, cover an emergency, or pay off another debt that was breathing down her neck.

Here’s how things went sideways. According to the statement from March 2024, Debbie made a $375.31 payment on February 13 — the last one on record. After that? Silence. The account fell past due. Fees piled up: a $41 late fee, a $5 account maintenance fee. Interest was racking up at a frankly terrifying rate — 31.24% on purchases, 34.24% on cash advances. That’s not a loan. That’s a financial flamethrower. By September 2025, the balance was locked in at $2,362.66. The card was charged off — meaning the original lender, The Bank of Missouri, gave up on collecting and sold the debt to Jefferson Capital Systems, who then hired Faber and Brand to sue Debbie and get every penny back.

And that’s why they’re in court. Jefferson Capital filed a petition in Kingfisher County District Court claiming Debbie breached her contract by using the card and then not paying. That’s Count I. Count II? “Suit on Account” — which, in plain English, means, “You owe us money, and here’s the ledger to prove it.” Count III? “Quantum Meruit,” which sounds like a Harry Potter spell but really just means, “You got something of value, so you should pay for it.” Three legal theories, all aimed at the same $2,362.66. It’s like using a flamethrower to roast a marshmallow — excessive, but technically effective.

Now, let’s talk about what they want. Jefferson Capital isn’t just after the balance. They’re also demanding interest at 8.75% after judgment, plus attorney’s fees and court costs. That means if the judge rules in their favor, Debbie could end up owing significantly more than two grand. But here’s the thing: $2,362.66 is not a lot of money in the grand scheme of civil litigation. Most law firms wouldn’t even bother with a case this small — unless they’re running a volume operation. And that’s exactly what’s happening here. Firms like Faber and Brand don’t make money by winning big cases. They make money by filing hundreds of small ones, counting on defendants not to show up, not to fight back, and just let the judgment roll in. It’s not personal. It’s just business. The kind of business where you send a notarized affidavit from a “Custodian of Records” named Vanessa Janssen in Minnesota to sue someone in rural Oklahoma over a credit card she probably used to buy groceries or pay a medical bill.

And yet, the most absurd part isn’t even the scale of it. It’s the date on that SCRA verification — the Servicemembers Civil Relief Act check. The filing says Debbie Coker was verified as not being in the Armed Forces… on March 25, 2026. That’s right. This document was signed in September 2025, but references a military status check from the future. Now, either someone made a typo so wild it broke the space-time continuum, or — more likely — this is a boilerplate legal form with a placeholder date that nobody bothered to fix. Which tells you everything you need to know about how much individual attention this case is getting. It’s not a courtroom drama. It’s a debt-collection assembly line.

So what are we rooting for? Honestly? We’re rooting for someone — anyone — to stand up and say, “Wait a minute. This is ridiculous.” Not because Debbie Coker definitely didn’t owe the money — the documents suggest she did use the card and stop paying. But because the system is designed to make it easier to sue someone over two grand than to have a real conversation about why people fall behind on debt in the first place. Is it mismanagement? A job loss? Medical bills? We don’t know. And the court probably won’t either, because cases like this rarely go to trial. They end in default judgments, where the plaintiff wins by default because the defendant never showed up.

But here’s the thing: every debt represents a story. And while we’re not here to excuse non-payment, we’re also not here to pretend that suing someone for a credit card balance — in a county with fewer than 16,000 people — is anything but a deeply impersonal, deeply industrialized form of financial punishment. So if there’s a moral here, it’s this: next time you get a credit card offer in the mail with a sky-high interest rate and a tiny credit limit, remember Debbie Coker. And maybe keep the receipt — because someone, somewhere, might just come after you for it.

Case Overview

$2,363 Demand Petition

Jurisdiction

District Court of Kingfisher County, Oklahoma

Filing Attorney

Michael L. Foster

FABER AND BRAND L.L.C.

Relief Sought

$2,363 Monetary

Plaintiffs

JEFFERSON CAPITAL SYSTEMS LLC business
Rep: FABER AND BRAND L.L.C.

Defendants

DEBBIE COKER individual

Claims

#	Cause of Action	Description
1	Breach of Contract	-
2	Suit On Account	-
3	Quantum Meruit	-

Petition Text

3,208 words

IN THE DISTRICT COURT OF KINGFISHER COUNTY, STATE OF OKLAHOMA JEFFERSON CAPITAL SYSTEMS LLC Plaintiff, -vs- DEBBIE COKER Defendant(s). Case No. CS·2020·53 PETITION FOR MONEY DUE FOR BREACH OF REVOLVING CREDIT CHARGE AGREEMENT Count I—Breach of Contract COMES NOW the Plaintiff and for its cause of action against the Defendant(s) states as follows: 1. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of GEORGIA; the debt sued upon arose in and Plaintiff’s cause of action accrued in the State of Oklahoma. 2. That at least one of the Defendant(s) reside(s) in or may be found in KINGFISHER County, Oklahoma and within the venue of this court. 3. Plaintiff is the holder of the Revolving Credit Charge Agreement (“Agreement”) sued upon herein by virtue of the sale and assignment of said Agreement from THE BANK OF MISSOURI to various parties including and ultimately to Plaintiff. 4. That Defendant(s) was/were issued a credit account pursuant to the Defendant’s Agreement with THE BANK OF MISSOURI. 5. That Defendant either made written application to THE BANK OF MISSOURI for said credit card, or signed various credit charge slips, or both, thereby agreeing in writing to the terms and conditions of said Agreement. 6. That the Defendant(s) did utilize said credit or allow it to be used in the purchase of goods and services at various locations and thereby agreed to the terms and conditions of said Agreement at the time it was issued to Defendant(s) 7. That as a result of the use of said credit by Defendant(s), the Defendant(s) did accrue certain indebtedness on said revolving credit charge account pursuant to the Agreement. 8. That THE BANK OF MISSOURI fully performed under the terms of the Agreement. 9. That in accord with normal business practices, THE BANK OF MISSOURI mailed itemized monthly billing statements to Defendant. Defendant did not object to any of the charges made on the monthly statements at issue herein, in writing, for over sixty (60) days. 10. That Defendant accepted the charges shown on the monthly billing statements as demonstrated by Defendant’s continued use of the account, payments made on the account, and the absence of any attempt to cancel the agreement between Defendant and THE BANK OF MISSOURI despite having received the monthly billing statements for several months. 11. That Defendant(s) failed to perform under the terms of the revolving retail credit charge agreement and is therefore in breach. 12. That as a direct and proximate result of Defendant’s breach, THE BANK OF MISSOURI was damaged in the amount claimed of $2362.66. 13. Pursuant to Oklahoma statute, Plaintiff is entitled to reasonable attorney fees. 14. That Plaintiff, the current owner of the Agreement, has made demand upon the Defendant(s) for payment of the same, but the Defendant(s) failed and/or refused to pay. 15. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) DEBBIE COKER is/are not in the Armed Forces for the United States, verified on 03/25/2026 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $2362.66; Interest: at the rate of 8.75% per annum from the date of Judgment until paid; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff’s fees, and any fees for service of the summons. Count II—Suit On Account COMES NOW the Plaintiff and pleads in the alternative for its cause of action against the Defendant(s) and states as follows: 1. Plaintiff restates and re-alleges each and every paragraph of Count I as if fully set forth herein. 2. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of GEORGIA. 3. That the cause of action herein accrued under the laws of the State of Oklahoma; at least one of the Defendant(s) reside(s) in or may be found in KINGFISHER County, Oklahoma and within the venue of this court. 4. That Defendant(s) is/are presently indebted on the account and claim herein in the amount claimed of $2362.66 for credit extended by THE BANK OF MISSOURI and used by the Defendant to purchase goods and/or services, hereinafter referred to as “items.” 5. That all sums owed to THE BANK OF MISSOURI are now due to the Plaintiff by virtue of assignment of said debt from THE BANK OF MISSOURI to various parties and ultimately to the Plaintiff. 6. That said credit was provided at the instance, request, and/or authorization of said Defendant(s). 7. That the prices charged for the extension of credit for the Defendant to purchase such items are and were in each case reasonable; that said prices were the amounts specifically agreed upon between THE BANK OF MISSOURI and Defendant(s), or in the alternative the usual and customary charges of THE BANK OF MISSOURI. 8. That Defendant(s) expressly, or in the alternative impliedly, promised and agreed to pay for said credit charges when due. 9. Pursuant to Oklahoma statute, Plaintiff is entitled to reasonable attorney fees. 10. That Plaintiff, the current owner of the Agreement, has made demand upon the Defendant(s) for payment of the same, but the Defendant(s) failed and/or refused to pay. 11. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) DEBBIE COKER is/are not in the Armed Forces for the United States, verified on 03/25/2026 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $2362.66; Interest: at the rate of 8.75% per annum from the date of Judgment until paid; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff's fees, and any fees for service of summons. Count III—Quantum Meruit COMES NOW the Plaintiff and pleads in the alternative for its cause of action against the Defendant(s) and states as follows: 1. Plaintiff restates and re-alleges each and every paragraph of Count I and Count II as if fully set forth herein. 2. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of GEORGIA. 3. That the cause of action herein accrued under the laws of the State of Oklahoma; at least one of the Defendant(s) reside(s) in or may be found in KINGFISHER County, Oklahoma and within the venue of this court. 4. That Defendant(s) is/are presently indebted on the account and claim herein in the amount claimed of $2362.66 for credit extended by THE BANK OF MISSOURI and used by the Defendant to purchase goods and/or services, hereinafter referred to as "items." 5. That the credit issued to Defendant to purchase said items was provided to and for Defendant(s). 6. That said credit was provided at the instance, request, and/or authorization of said Defendant(s). 7. That the prices charged for the extension of credit items are and were in each case reasonable; that said prices were the amounts specifically agreed upon between Creditor and Defendant(s), or in the alternative the usual and customary charges of said Creditor. 8. That Defendant(s) expressly, or in the alternative impliedly, promised and agreed to pay for said extension of credit immediately upon the providing thereof or promptly thereafter. 9. That Creditor has, by virtue of Sale and Assignment, transferred all causes of action against Defendant related to the facts and issues set forth herein to various parties including and ultimately to Plaintiff.. 10. Pursuant to Oklahoma statute, Plaintiff is entitled to reasonable attorney fees. 11. That Plaintiff, the current owner of the Cause of Action, has made demand upon the Defendant(s) for payment of the same, but the Defendant(s) failed and/or refused to pay. 12. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) DEBBIE COKER is/are not in the Armed Forces for the United States, verified on 03/25/2026 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $2362.66; Interest: at the rate of 8.75% per annum from the date of Judgment until paid; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff’s fees and any fees for service of the summons. Respectfully Submitted, FABER AND BRAND L.L.C. BY: /s/ Michael L. Foster Michael L. Foster OK #20701 Jason P. Gubbins OK #22576 James M. Mucklestone OK #36520 P.O. Box 10110 Columbia, Missouri 65205-4000 (888) 233-3141 (573) 442-1072 FAX [email protected] ATTORNEY FOR PLAINTIFF THIS IS A COMMUNICATION FROM A DEBT COLLECTOR IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. F&B Acct. No: 584205 Affidavit of Account STATE OF MINNESOTA COUNTY OF BENTON Before me, the undersigned authority, personally appeared the individual whose name is subscribed below, and who, being by me duly sworn, deposed as follows: 1. "My name is Vanessa Janssen. I am of sound mind, over the age of eighteen (18), have never been convicted of a felony or crime involving moral turpitude, and am capable of making this affidavit. I have personal knowledge of the facts herein stated as more fully set forth below." 2. "I am an Authorized Representative of Jefferson Capital Systems, LLC and in that capacity act as a Custodian of Records. These records are kept in the ordinary course of business. This affidavit pertains to the collection of a ASPIRE CREDIT CARD account number XXX6850, (the "Account") owed by DEBBIE COKER the "Defendant(s)." 3. "Jefferson Capital Systems, LLC has acquired the Account pursuant to an assignment and is the owner and beneficiary of all rights, title and interest with regard to the Account, including the outstanding balance of the Account and any accrued interest thereon. The information transmitted to Jefferson Capital Systems, LLC in connection with its acquisition of the Account specifically described: (1) the obligation of the Defendant with regard to the Account, (2) the open date of the Account, (3) the charge-off balance of the Account after all payments, credits and offsets had been applied, (4) the applicable rate at which interest continues to accrue on the Account, and (5) other usage and identification information related to both the Defendant and to the Account. My testimony herein is based upon that information." 4. "On or about 11/28/2021, the Defendant made application to open the Account. Thereafter, the Defendant utilized the Account, or the proceeds thereof, and became obligated to repay the Account pursuant to its terms." 5. "The Defendant did not repay the Account and ceased making payments on the Account. The last payment date was 2/13/2024." 6. "The Account was ultimately closed and charged-off, at which time there remained a balance due and owing on the Account that the Defendant has not paid." 7. "As of 09/18/2025, the reference date of this affidavit, the amount due and owing on the Account, after all just and lawful offsets, payments, and credits had been allowed, is $2,362.66." Vanessa Janssen Custodian of Records SUBSCRIBED AND SWORN before me on SEP 22 2025. CARLY E BRIGGS NOTARY PUBLIC - MINNESOTA My Comm. Exp. Jan. 31, 2029 EXHIBIT II BILL OF SALE For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Account Purchase Agreement (the “Agreement”) dated September 30, 2022 by and between The Bank of Missouri (“Seller”) and Jefferson Capital Systems, LLC (“Buyer”), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement the Accounts as set forth in the Account Schedule attached hereto as Exhibit I delivered by Seller to Buyer on each Closing Date, and as further described in the Agreement. Lot Number: 24-1036 Aggregate Unpaid Balance: Number of Accounts: DATED: October 21, 2024 SELLER: The Bank of Missouri ______________________________ By: ____________ Name (print): Mark Barker Title: Chief Contract Services Officer Affidavit of Account STATE OF MINNESOTA COUNTY OF BENTON Before me, the undersigned authority, personally appeared the individual whose name is subscribed below, and who, being by me duly sworn, deposed as follows: 1. "My name is Vanessa Janssen. I am of sound mind, over the age of eighteen (18), have never been convicted of a felony or crime involving moral turpitude, and am capable of making this affidavit. I have personal knowledge of the facts herein stated as more fully set forth below." 2. "I am an Authorized Representative of Jefferson Capital Systems, LLC and in that capacity act as a Custodian of Records. These records are kept in the ordinary course of business. This affidavit pertains to the collection of a ASPIRE CREDIT CARD account number XXX6850, (the "Account") owed by DEBBIE COKER the "Defendant(s)." 3. "Jefferson Capital Systems, LLC has acquired the Account pursuant to an assignment and is the owner and beneficiary of all rights, title and interest with regard to the Account, including the outstanding balance of the Account and any accrued interest thereon. The information transmitted to Jefferson Capital Systems, LLC in connection with its acquisition of the Account specifically described: (1) the obligation of the Defendant with regard to the Account, (2) the open date of the Account, (3) the charge-off balance of the Account after all payments, credits and offsets had been applied, (4) the applicable rate at which interest continues to accrue on the Account, and (5) other usage and identification information related to both the Defendant and to the Account. My testimony herein is based upon that information." 4. "On or about 11/28/2021, the Defendant made application to open the Account. Thereafter, the Defendant utilized the Account, or the proceeds thereof, and became obligated to repay the Account pursuant to its terms." 5. "The Defendant did not repay the Account and ceased making payments on the Account. The last payment date was 2/13/2024." 6. "The Account was ultimately closed and charged-off, at which time there remained a balance due and owing on the Account that the Defendant has not paid." 7. "As of 09/18/2025, the reference date of this affidavit, the amount due and owing on the Account, after all just and lawful offsets, payments, and credits had been allowed, is $2,362.66." Vanessa Janssen Custodian of Records SUBSCRIBED AND SWORN before me on SEP 22 2025. CARLY E BRIGGS NOTARY PUBLIC - MINNESOTA My Comm. Exp. Jan. 21, 2029 Aspire Credit Card Summary of Account Activity Account Number [REDACTED] Statement Closing Date September 12, 2024 Number of days in billing cycle 31 Total Credit Line $2,373.00 Available Credit $0 Overlimit Amount $0.00 Past Due Amount $252.00 Previous Balance $2,362.66 Payments $0.00 Credits $0.00 Purchases $0.00 Balance Transfers $0.00 Cash Advances $0.00 Interest Charged $0.00 Fees Charged $0.00 New Balance $2,362.66 Payment Information New Balance $2,362.66 Minimum Payment Due $288.00 Payment Due Date Oct 09, 2024 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>5 years</td> <td>$2,363.00</td> </tr> </table> If you would like information about credit counseling services, call 1-877-740-1191. Cardholder Services Payment Processing P.O. BOX 650832 DALLAS TX 75265-0832 Dispute Resolution P.O. BOX 105374 ATLANTA GA 30348-5374 Correspondence P.O. BOX 105555 ATLANTA GA 30348-5555 Account Inquiry (855) 802-5572 www.aspire.com TTY Service (855) 921-5760 Important News YOUR ACCOUNT IS SERIOUSLY PAST DUE $252.00. 2024 Year-to-Date Totals Total Fees Charged in 2024 $276.00 Total Interest Charged in 2024 $341.81 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>Purchases</td> <td>0.00%</td> <td>$1,561.01</td> <td>$0.00</td> </tr> <tr> <td>Cash Advances</td> <td>0.00%</td> <td>$617.65</td> <td>$0.00</td> </tr> </table> PLEASE DETACH AND RETURN WITH YOUR PAYMENT SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account Number: [REDACTED] <table> <tr> <th>Minimum Payment Due</th> <th>Payment Due Date</th> <th>New Balance</th> </tr> <tr> <td>$288.00</td> <td>10/09/2024</td> <td>$2,362.66</td> </tr> </table> Amount Enclosed $[REDACTED] Make checks payable to Aspire Check here and complete reverse side for change of address [ ] Mail Payment To: PAYMENT PROCESSING P.O. BOX 650832 DALLAS TX 75265-0832 CHARGE OF ACCESS Aspire Credit Card Summary of Account Activity Account Number [REDACTED] Statement Closing Date March 12, 2024 Number of days in billing cycle 29 Total Credit Line $2,250.00 Available Credit $0 Overlimit Amount $0.00 Past Due Amount $130.54 Previous Balance $2,328.52 Payments $375.31 Credits $0.00 Purchases $0.00 Balance Transfers $0.00 Cash Advances $0.00 Interest Charged $52.40 Fees Charged $46.00 New Balance $2,051.61 Payment Information New Balance $2,051.61 Minimum Payment Due $253.94 Payment Due Date Apr 09, 2024 Late Payment Warning: If we do not receive your minimum payment by the Payment Due Date shown above, you may have to pay up to a $41.00 late fee. 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>6 years</td> <td>$3,986.00</td> </tr> </table> If you would like information about credit counseling services, call 1-877-740-1191. Cardholder Services Payment Processing P.O. BOX 650832 DALLAS TX 75265-0832 Dispute Resolution P.O. BOX 105374 ATLANTA GA 30348-5374 Correspondence P.O. BOX 105555 ATLANTA GA 30348-5555 Account Inquiry (855) 802-5572 TTY Service (855) 921-5760 www.aspire.com Important News YOUR ACCOUNT IS PAST DUE $130.54. THIS AMOUNT IS INCLUDED IN YOUR MINIMUM PAYMENT. Transaction Summary PAYMENTS & CREDITS TRANS DATE POST DATE DESCRIPTION OF PAYMENT OR CREDIT AMOUNT 02/13/24 02/13/24 PHONE PAYMENT RECEIVED -- THANK YOU $375.31 PY Fees Charged TRANS DATE POST DATE DESCRIPTION OF TRANSACTION AMOUNT 03/03/24 03/03/24 ACCOUNT MAINTENANCE FEE $5.00 03/09/24 03/09/24 LATE PAYMENT CHARGE $41.00 TOTAL FEES FOR THIS PERIOD $46.00 Interest Charged TRANS DATE POST DATE DESCRIPTION OF TRANSACTION AMOUNT 03/12/24 03/12/24 INTEREST CHARGE PURCHASE $36.66 03/12/24 03/12/24 INTEREST CHARGE CASH ADVANCE $15.74 PLEASE DETACH AND RETURN WITH YOUR PAYMENT SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account Number: [REDACTED] <table> <tr> <th>Minimum Payment Due</th> <th>Payment Due Date</th> <th>New Balance</th> </tr> <tr> <td>$253.94</td> <td>04/09/2024</td> <td>$2,051.61</td> </tr> </table> Amount Enclosed $__________.__________ Make checks payable to Aspire Check here and complete reverse side for change of address ☐ Mail Payment To: PAYMENT PROCESSING P.O. BOX 650832 DALLAS TX 75265-0832 [Unclear text] <table> <tr> <th>TRANS DATE</th> <th>POST DATE</th> <th>DESCRIPTION OF TRANSACTION</th> <th>AMOUNT</th> </tr> <tr> <td colspan="3">TOTAL INTEREST FOR THIS PERIOD</td> <td>$52.40</td> </tr> </table> 2024 Year-to-Date Totals <table> <tr> <th></th> <th></th> <th></th> </tr> <tr> <td>Total Fees Charged in 2024</td> <td></td> <td>$138.00</td> </tr> <tr> <td>Total Interest Charged in 2024</td> <td></td> <td>$168.76</td> </tr> </table> Interest Charge Calculation <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>Purchases</td> <td>31.24%</td> <td>$1,408.64</td> <td>$36.66</td> </tr> <tr> <td>Cash Advances</td> <td>34.24%</td> <td>$551.94</td> <td>$15.74</td> </tr> </table> Your Annual Percentage Rate (APR) is the annual interest rate on your account. 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