CS-2026-00023 - INTEGRAS CAPITAL RECOVERY, LLC v. JENNIFER L. SIMMONS

What's This Case About?

Let’s get one thing straight: Jennifer L. Simmons owes $2,478.12 — and a very determined chain of debt collectors, lawyers, and corporate entities stretching from Maryland to Texas to Florida are all collectively losing their minds over it. Not because it’s a fortune — it’s less than a decent used car down payment — but because in the bizarre, soul-sucking world of debt collection, $2,478.12 is apparently worth an entire legal production, complete with affidavits, notaries, QR codes for settlement, and a paper trail so long it could be mistaken for a corporate family tree.

So who is Jennifer L. Simmons? Well, she’s a resident of Coal County, Oklahoma — a place so rural it makes your GPS nervous — and back in August 2021, she signed a loan agreement with Mariner Finance, LLC, a company that’s been “serving communities since 1927,” which sounds wholesome until you realize they charge 32.79% APR. That’s the financial equivalent of setting your money on fire and calling it an investment. Jennifer borrowed $2,549 — not an outrageous sum — via a check she received in the mail (yes, an actual paper check, like it’s 1998), which she was supposed to repay in 38 monthly installments of $108.66. Simple enough. But somewhere between Abilene, Texas (her listed address on the check) and Coal County, Oklahoma (where she now lives), things went off the rails.

She didn’t pay. Or at least, she didn’t pay all of it. According to the documents, she defaulted — the first default date listed is August 7, 2023 — and by March 2022, the account was already “charged off,” meaning Mariner Finance had written it off as unlikely to be repaid. But that doesn’t mean they gave up. Oh no. In the world of debt, default isn’t the end — it’s just the beginning of the real game.

Because here’s where it gets weird. Mariner Finance didn’t just let it go. Instead, they sold the debt — along with thousands of others — to a company called Brightwater Investments 50, LLC in September 2022. Brightwater, based in Maitland, Florida, is not a bank. It’s not even a finance company. It’s a debt buyer. These are the vultures of the financial ecosystem: they buy defaulted loans for pennies on the dollar, then try to collect the full amount. In this case, Brightwater paid something for a portfolio of accounts — including Jennifer’s — and then, less than two years later, flipped it again. This time, to GSV Enterprises Florida LLC, also known as Islandwide Consulting Group. And then — plot twist — GSV sold it again, this time to Integras Capital Recovery, LLC, the plaintiff in this case. So by the time this lawsuit was filed in November 2025, Jennifer’s $2,549 loan had been traded like a baseball card through at least four different companies. And now, Integras — a Texas-based LLC — is the one standing in court, hand out, demanding $2,478.12.

Why $2,478.12 and not the full amount? Because some payments were made — or credits applied — but the math is murky. The original total of payments was $4,129.08, including interest and fees. She didn’t pay it all. And now, Integras — armed with a notarized business records affidavit from Michael J. Adams (who swears he’s in charge of their records, even though he’s in Texas and the debt is from Oklahoma) — is suing for the remaining balance. They even included a QR code in the filing, like this is a parking ticket you can settle with your phone. “If you would like to settle,” it says, as if this were a minor inconvenience rather than a legal action that could lead to wage garnishment.

So why are they in court? Legally, it’s a straightforward claim: breach of contract. That’s legalese for “you agreed to pay, you didn’t, so now we’re suing.” The contract in question is that loan agreement Jennifer signed when she cashed that check in 2021. The terms were clear: 38 payments, late fees, arbitration clause, the whole nine yards. Integras, as the current holder of the debt, claims it has the right to collect — and they’ve got the chain of title documented in Exhibit A, B, and another Exhibit A (because why not?), showing each transfer of ownership. It’s like watching a game of hot potato, except the potato is debt and the players are shell companies.

Now, what do they actually want? $2,478.12 in principal, plus court costs, post-judgment interest, and — of course — attorney’s fees. The filing was handled by Christopher Cade Adams of Michael J. Adams P.C., a firm that specializes in exactly this kind of case — small-dollar debt collection suits filed en masse. These are the kind of lawsuits that clog up rural county courts, often against people who don’t show up, don’t respond, and just get a default judgment slapped on them. And $2,478.12? In the grand scheme of things, that’s not a lot. It’s not life-changing money. But for someone in Coal County, Oklahoma — where the median household income is barely over $40,000 — it’s not nothing either. It’s two months of groceries. A car repair. A medical deductible. And yet, a law firm in Texas and a debt buyer in Florida are spending time, paper, and postage to chase it down.

Here’s the absurd part: this entire legal drama hinges on a debt that originated with a company that mailed people checks in the mail — like it’s 1985 — and now it’s being litigated by a Texas lawyer who’s never met Jennifer Simmons, suing on behalf of a company that bought her debt for a fraction of its value, all based on a document signed three years ago that she probably forgot existed. And the court filing? It’s not even dramatic. There’s no betrayal, no fraud, no wild spending spree. Just a woman, a loan, a missed payment, and a Rube Goldberg machine of debt collectors that somehow led to a petition being filed in Coal County District Court with a QR code attached.

Are we rooting for Jennifer? Honestly, kind of. Not because she didn’t sign the contract — she did. Not because she doesn’t owe the money — she probably does. But because this whole system is ridiculous. A $2,500 loan has spawned a paper trail that crosses state lines, corporate entities, and at least three layers of middlemen, all taking a cut, all sending letters, all keeping records, all swearing affidavits, just to collect less than three grand. And the kicker? The notice at the bottom of the filing: “This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.” It’s like they’re proud of it.

We’re entertainers, not lawyers — but if this were a TV show, we’d call it Debt: The Musical. Act One: The Loan. Act Two: The Default. Act Three: The Paper Chase. And the moral of the story? Next time you get a check in the mail for $2,500 with “Mariner Finance” and “32.79% APR” on it… maybe don’t cash it. Or at least, keep answering your mail.

Case Overview

Petition

Jurisdiction

Coal County District Court, Oklahoma

Filing Attorney

CHRISTOPHER CADE ADAMS

MICHAEL J. ADAMS P.C.

Relief Sought

$2,478 Monetary

Plaintiffs

INTEGRAS CAPITAL RECOVERY, LLC business
Rep: MICHAEL J. ADAMS P.C.

Defendants

JENNIFER L. SIMMONS individual

Claims

#	Cause of Action	Description
1	breach of contract

Petition Text

1,862 words

IN THE COAL COUNTY DISTRICT COURT OF COAL COUNTY, STATE OF OKLAHOMA INTEGRAS CAPITAL RECOVERY, LLC Plaintiff, Vs. JENNIFER L. SIMMONS Defendant(s) Case No. CS-26-23 PETITION FOR DEBT COLLECTION TO THE HONORABLE JUDGE OF SAID COURT: Plaintiff INTEGRAS CAPITAL RECOVERY, LLC files its Original Petition and would respectfully show the Court it is entitled to damages from Defendant(s) JENNIFER L. SIMMONS as follows: 1. VENUE AND PARTIES: Plaintiff is a Limited Liability Company organized and existing under the laws of the State of Texas. The debt sued upon arose and Plaintiff’s cause of action accrued in the State of Oklahoma. 2. Defendant JENNIFER L. SIMMONS is a resident of Coal County, Oklahoma and may be served with process within the venue of this Court. 3. Defendant entered into a contract with the Original Creditor resulting in a valid and enforceable contract under which the Original Creditor extended credit to Defendant(s). Defendant’s account bore the last four digits XXXXX1263 ("Defendant’s Account(s)"). Under the contract, Defendant purchased good and/or services. The Original Creditor fully performed under the contract. Defendant failed to perform under the agreement. The debt that is the subject of this suit was assigned to Plaintiff pursuant to the bill of sale(s) attached hereto as Exhibit “A” demonstrating the chain of title to the Plaintiff. After all just and due offsets and credits, Defendant(s) owes Plaintiff on Defendant’s Account(s). Defendant’s breach of contract caused injury in the amount of the unpaid balance of the account in the amount of $2478.12. 4. ATTORNEYS’ FEES: Defendant’s failure to re-pay the debt caused Plaintiff to employ the undersigned law firm. 6. Despite being presented with a demand for payment at least thirty (30) days prior to the filing of this Case, Defendant(s) did not pay the amount owing. MJAPC 163182.001 7. PRAYER: WHEREFORE, premises considered, Plaintiff INTEGRAS CAPITAL RECOVERY, LLC prays that this honorable Court grant judgment in favor of Plaintiff against Defendant(s) JENNIFER L. SIMMONS for: 1. $2478.12 as the principal balance due; 2. costs of court; 3. post-judgment interest; 4. attorneys’ fees; and 5. such other relief Plaintiff may be entitled at law or equity. RESPECTFULLY SUBMITTED, MICHAEL J. ADAMS P.C. By: ____________________________ CHRISTOPHER CADE ADAMS SB#30790 10004 WURZBACH #292 SAN ANTONIO, TEXAS 78230 Tel. (877) 223-5462/ Fax (877) 240-5467 [email protected] ATTORNEY FOR PLAINTIFF This is an attempt to collect a debt by a debt collector and any information obtain will be used for that purpose BUSINESS RECORDS DECLARATION STATE OF TEXAS COUNTY OF BEXAR BEFORE ME, the undersigned authority, on this day did personally appear affiant who, being duly sworn by me, did depose on oath and state as follows: 1. "My name is Michael J Adams. I am over eighteen years of age and otherwise competent to make this Affidavit. I am in charge of the records for Integras Capital Recovery, LLC organized and existing under the laws of the state of Texas. 2. In such capacity I am the custodian of the business records of such company and attached hereto are the pages of records which are kept and maintained under my control and supervision in the regular course of business by employees or representatives of the company with knowledge of the act, event, condition, opinion or diagnosis recorded to make the record or transmit information thereof to be included in such record; and the record was made at or near the time of the act, event, condition, opinion or diagnosis. 3. The attached statement of account and supporting documentation are business records of such company so kept, and such statement as well as various items thereof are within my personal knowledge just, true and correct, and the originals or exact duplicates of the originals and the balance of 2478.12 shown thereon is due and owing over and above all payments, credits and set offs, plus interest at the judgment rate, per annum from the date of judgment until paid in full, by JENNIFER L. SIMMONS to such company. Charges for the above-referenced services are reasonable, and services were necessary. 4. To the best of my knowledge and belief, the Defendant(s), JENNIFER L. SIMMONS, is/are not on active duty in the Armed Forces for the United States nor any branch thereof. By______________________________ Michael J Adams, Affiant SIGNED AND SWORN TO before me on 11-18, 2025 HEATHER CREECH Notary ID #134248946 My Commission Expires March 13, 2027 [SEAL] Notary Public State of Texas Exhibit “A” If you would like to settle. Please use this QR Code EXHIBIT B BILL OF SALE AND ASSIGNMENT OF ACCOUNTS Mariner Finance, LLC, a Maryland limited liability corporation and its subsidiary, Mariner Finance of Virginia, LLC, a Virginia limited liability company, as well as its affiliates, Mariner Finance North Carolina, Inc. and Mariner Finance Florida, Inc., corporations incorporated in North Carolina and Florida, respectively (collectively, the "Seller") hereby absolutely sell, transfer, assign, sets-over and convey, a Brightwater Investments 50, LLC organized under the laws of Florida with an office at 850 Concourse Pkwy, Suite 120, Maitland, FL 32751 ("Buyer") without recourse and without representations or warranties, express or implied, of any type, kind or nature except as set forth in the Agreement (hereinafter defined): (a) all right, title and interest in and to each of the Accounts identified in the Computer File, 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 of Seller on or prior to Cutoff Date, 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 Loan Sale Agreement made and entered into by and between Seller and Buyer dated September 8th, 2022 (the "Agreement"). The Accounts are defined and described in the Agreement and are being conveyed hereby subject to the terms, conditions and provisions set forth in the Agreement. This Bill of Sale shall be governed by the laws of the State of Maryland without regard to the conflicts-of-laws rules thereof. DATED: September 8th, 2022 SELLER: By: ________________________________ Name: Joshua Johnson Title: President and CEO STATE OF MARYLAND) COUNTY OF BALTIMORE) On September 8th, 2022 before me the undersigned officer, personally appeared Joshua Johnson, who acknowledged him/herself to be the President and CEO of Mariner Finance, LLC, a Maryland limited liability company, Mariner Finance of Virginia, LLC, a Virginia limited liability company, Mariner Finance North Carolina, Inc. a North Carolina corporation, and Mariner Finance Florida, Inc., a Virginia corporation, signer and sealer of the foregoing instrument, and that he/she as such officer, being authorized so to do, acknowledged the execution of the same to be his/her free act and deed as such officer and the free act and deed of said corporation. IN WITNESS WHEREOF, I hereunto set my hand. Commissioner of the Superior Court Notary Public Exhibit A ASSIGNMENT AND BILL OF SALE Brightwater Investments 50, LLC ("Seller") has entered into an Agreement, dated September 7th, 2024 ("Agreement") for the sale of Accounts described in Agreement thereof to GSV Enterprises Florida LLC dba Islandwide Consulting Group, LLC (Purchaser"), upon terms and conditions set forth in that Agreement. NOW, THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser all of Seller's rights, title, and interest in each and every one of the Accounts described in the Agreement, provided however such transfer is made without any representations, warranties, or recourse. IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 7th day of September 2024 Brightwater Investments 50, LLC [signature] Exhibit A ASSIGNMENT AND BILL OF SALE GSV Enterprises Florida LLC dba Islandwide Consulting Group ("Seller") has entered into an Agreement, dated September 25, 2024 ("Agreement") for the sale of Accounts described in Agreement thereof to Integras Capital Recovery. ("Purchaser"), upon terms and conditions set forth in that Agreement. NOW, THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser all of Seller's rights, title, and interest in each and every one of the Accounts described in the Agreement, provided however such transfer is made without any representations, warranties, or recourse. IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 25th day of September 2024. GSV Enterprises Florida LLC dba Islandwide Consulting Group DocuSigned by: Gene Vetere Buyer's Initials MYA THIS IS A LOAN. READ THE ENCLOSED DISCLOSURES BEFORE SIGNING THIS AGREEMENT. MARINER FINANCE serving communities since 1927 PAYABLE TO: TO THE ORDER OF JENNIFER L. SIMMONS 3641 YALE AVE ABILENE, TX 79603-5634 BANK OF AMERICA 7199 520 Check No. 0168852563 Date: 08/02/2021 Pay _____TWO THOUSAND FIVE HUNDRED FORTY NINE AND 00/100_____ $2,549.00 Check valid for 30 days from the above date. Payee’s endorsement and two forms of ID required. Authorized by Signature Payable only to person whose name and address appears on Check. Check not transferable. Check void 30 days from date of the Check. NOTICE: DO NOT SIGN THIS CHECK BEFORE YOU READ IT. THE AGREEMENT AND THE ARBITRATION AGREEMENT OR IF ANY DOCUMENT CONTAINS ANY BLANK SPACES. PAYEES ENDORSEMENT REQUIRED By endorsing this Check, and/or by depositing or cashing this Check, you agree to repay this loan according to the terms of the attached Agreement. You agree to an Arbitration Agreement ARB408. You acknowledge receipt of completely filled in copies of the Agreement, the Arbitration Agreement and this Check. You authorize us to order credit reports on you from time to time. J Simmons Borrower's Signature 325-2168-7898 Home Phone (required) 325-2168-7898 Work Phone (required) 325-2168-7898 Cell Phone Number 457-51-5 XXX Verify the first 6 digits of your Social Security Number (required) 9/17/80 Birth Date (required) 8/9/21 Date [email protected] Email Address (Two Forms of Identification Required) Amount Financed...........................................$2,549.00 FINANCE CHARGE............................................$1,580.08 Total of Payments..........................................$4,129.08 ANNUAL PERCENTAGE RATE.................................32.79% By cashing this check, you (all borrowers together) promise to pay to Marabar Finance, LLC (we) the Total of Payments stated above, which includes interest computed in advance on the Amount Financed plus the $100.00 Admin. Fee (Prepaid Finance Charge), in 38 monthly payments of $108.66 each. Beginning one month after the date our bank pays this Check and then on the same date of each following month until paid. You agree to pay a late charge if any part of a payment is unpaid for 10 days after it is due in the amount of 5% of the amount of the scheduled payment. You also agree to pay all other charges in the Agreement. By providing your mobile phone number, you consent to receive informational text and voice messages to your mobile phone for transactional purposes. DateOfOrigination Issuer IssuerAccountID 8/9/2021 Mariner Finance 1263 Package AlternateID StateOfOrigin Mariner 09/2022 OK DateChargedOff DateOfLastPMTatPurchase DateOfLastPayment 3/30/2022 DateOfFirstDefault AmountFinanced Principal 8/7/2023 Balance RegF $3,128.12 $2,478.12 $2,478.12 $650.00 P1_NameMiddle P1_NameLast JENNIFER L. SIMMONS P1_SSN 5694 P1_DateOfBirth P1_Note P1Addr1_AddressLine1 _1980 Loan by mail 601 W BLAIR AVE P1Addr1_AddressLine2 P1Addr1_City P1Addr1_Zip COALGATE 74538 P1Addr1_State P1Addr1_AddressType P1Email1_EmailAddress OK Home [email protected] P1Email1_EmailAddressType P1Phone1_Phone P1Phone1_PhoneType Unknown P1Phone2_Phone P1Phone2_PhoneType P2_PersonID P2_NameFirst P2_NameMiddle P2_NameLast P2_SSN P2_DateOfBirth P2_Note P2Addr1_AddressLine1 P2Addr1_AddressLine2 P2Addr1_City P2Addr1_Zip P2Addr1_State P2Addr1_AddressType LoanTypeCodeDesc LienPosition RepoDate Collateral_Make Collateral_Model Collateral_VIN Collateral_Year