CJ-2026-00068 - Midland Credit Management, Inc. v. Malaythip Yang

What's This Case About?

Let’s cut straight to the drama: a woman in Oklahoma is being sued for nearly $41,000—over credit card debt—by a company that didn’t even issue the cards in the first place. That’s like your landlord showing up with a bill from a guy he bought your rent contract from on eBay and expecting you to pay up without question. Welcome to the wild west of debt collection, where receipts are digital, the players keep changing, and someone named Dylan Sauer-Sundly—yes, that’s a real name—is now the gatekeeper of your financial sins.

So who are we talking about here? On one side, we’ve got Malaythip Yang, a resident of Le Flore County, Oklahoma, whose name now appears in a court filing over two credit accounts she allegedly failed to pay. We don’t know much about her—no criminal record, no public scandal, just a regular person caught in the kind of financial snag that could happen to anyone after a rough year, a medical emergency, or just life being… life. On the other side? Midland Credit Management, Inc.—a debt buyer based in Minnesota that doesn’t issue credit cards, doesn’t send monthly statements, and definitely didn’t sit across from Malaythip sipping iced tea when she swiped that Citibank Platinum card back in 2016. No, Midland swooped in later, like a financial vulture at a roadside buffet, purchasing these delinquent accounts for pennies on the dollar and now demanding full price plus interest. And they’ve got an entire legal dream team on speed dial—six attorneys, all from the firm LOVE, BEAL & NIXON, P.C., because nothing says “we’re serious about collecting $40K” like throwing seven lawyers at a single debt case.

Now, let’s unpack what actually went down. According to the filing, Malaythip had two credit cards: one with Citibank (account ending in 5253), opened way back in May 2016, and another with Synchrony Bank (ending in 0908), opened more recently in March 2022—possibly a Lowe’s store card, given the reference in the affidavit. At some point, payments stopped. The last recorded payment on the Citibank account was March 5, 2024. For the Synchrony card? March 16, 2024. Shortly after, both accounts were “charged off”—bank-speak for “we’ve given up on getting paid, so we’re writing this off as a loss.” But here’s where it gets juicy: instead of vanishing into the void, these debts were sold. Citibank’s $31,883.90 balance was transferred to Midland on November 22, 2024. Synchrony’s $9,088.46 followed in January 2025. Fast-forward to January 13, 2026—just another Tuesday in Oklahoma—and Midland files a lawsuit, claiming Malaythip still owes every penny, plus interest and court costs. Their evidence? Two affidavits from Dylan Sauer-Sundly, a Legal Specialist at Midland, who swears under penalty of perjury that, yes, the records show the debt is real, and yes, Midland now owns it. He’s never met Malaythip, has no idea why she stopped paying, and probably couldn’t pick her out of a lineup, but according to the digital trail, she owes.

And why are they in court? Because Midland wants a judgment—a court order saying, officially and legally, that Malaythip Yang is on the hook for $40,972.36. This isn’t just a polite reminder or a dunning letter with red ink. A judgment means Midland could potentially garnish wages, freeze bank accounts, or place liens on property. The legal claim is called a “Petition for Indebtedness,” which sounds fancy but really just means “you borrowed money, you didn’t pay it back, now we’re asking the court to make you pay.” No fraud, no theft, no dramatic embezzlement—just unpaid credit card bills that snowballed into a lawsuit. And while the filing doesn’t specify why Malaythip stopped paying, we can read between the lines: maybe she lost a job, faced medical bills, or simply got buried under interest and fees. Or maybe she disputes the debt entirely—perhaps she paid it, or the account was fraudulent, or she never even opened that Lowe’s card. We don’t know. But if she doesn’t respond to the lawsuit, the court will likely rule in Midland’s favor by default, and poof—judgment entered, debt confirmed, financial headache amplified.

Now, is $40,972 a lot? Well, in Le Flore County, Oklahoma—where the median household income is around $45,000—that’s nearly a full year’s salary. For context, that’s like someone suing you for the cost of a brand-new Honda Civic because you forgot to return a library book. And while credit card debt isn’t unusual—Americans collectively owe over $1 trillion on plastic—this case stands out because of the sheer size of the claim and the fact that it’s being pursued by a third-party debt buyer, not the original lender. Midland didn’t take a risk when they issued the credit; they took a risk when they bought the debt, betting that they could collect more than they paid. And if they win? They could walk away with a massive profit. But if they lose—or if the court questions the validity of the records, the chain of ownership, or whether Malaythip was properly notified—then this whole thing collapses like a house of cards built on spreadsheet entries and notarized statements from Minnesota.

Our take? The most absurd part isn’t that someone owes money. It’s that the person demanding payment has no personal connection to the original transaction, relies entirely on digital records transferred through multiple institutions, and is represented by six attorneys for a routine debt collection case. Meanwhile, the defendant—Malaythip Yang—may not even know this lawsuit exists yet. Debt collection in America has become a high-volume, low-touch industry where affidavits are mass-produced, names are data points, and people like Dylan Sauer-Sundly are deputized as financial fact-witnesses without ever speaking to the debtor. We’re not rooting for anyone to dodge responsibility, but we are rooting for due process. If you’re going to sue someone for $41,000, you better bring more than a PDF and a notary stamp from Stearns County. We want to see receipts, we want to see proof of ownership, and honestly, we want to know how someone accumulates $31,000 on a Citibank card over eight years. Was it a shopping spree? A business gone bust? A forgotten balance that ballooned with interest? The story’s missing—and until it’s told, this feels less like justice and more like corporate bill collection with a judicial rubber stamp.

But hey, that’s civil court in 2026. Where the drama isn’t who killed whom—but who owes what, and whether a guy named Dylan with access to a database can make it stick. Stay tuned.

Case Overview

$40,972 Demand Petition

Jurisdiction

District Court, Oklahoma

Filing Attorney

William L. Nixon, Jr.

LOVE, BEAL & NIXON, P.C.

Relief Sought

$40,972 Monetary

Plaintiffs

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

Defendants

Malaythip Yang individual

Claims

#	Cause of Action	Description
1	Petition for Indebtedness	Amount of $31,883.90 owed on a Citibank account
2	Petition for Indebtedness	Amount of $9,088.46 owed on a Synchrony Bank account

Petition Text

1,192 words

IN THE DISTRICT COURT OF LE FLORE COUNTY STATE OF OKLAHOMA Midland Credit Management, Inc. Plaintiff, vs. Malaythip Yang, Defendant. No. CJ-26-08 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 1 1. CITIBANK, N.A., provided credit to the defendant on account number XXXXXXXXXXXXX5253. Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $31,883.90. An Affidavit of Account is attached hereto and incorporated by reference. COUNT 2 1. SYNCHRONY BANK, provided credit to the defendant on account number XXXXXXXXXXXXX0908. Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $9,088.46. An Affidavit of Account is attached hereto and incorporated by reference. WHEREFORE, Plaintiff prays for Judgment against the Defendant in the sum of $40,972.36, 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- Yang, Malaythip, Defendant(s). AFFIDAVIT OF DYLAN SAUER-SUNDLY Dylan Sauer-Sundly, 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./ADVANTAGE PLATINUM account xxxxxxxxxxxxx5253 (MCM Number 330070240) (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 $31,883.90 as of 2025-12-22. 5. On or about 2024-11-22, Midland Credit Management, Inc became the successor in interest to this Account. 6. MCM's records show that: 1) the Account was opened on 2016-05-18; 2) the last payment posted to the Account on 2024-03-05; and 3) the Account was charged off on 2024-10-16. 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 13 2026 Date STATE OF MINNESOTA COUNTY OF STEARNS Signed and sworn to (or affirmed) before me on JAN 13 2026 by Dylan Sauer-Sundly. Christy Lynn Biss Notary Public - Minnesota My Commission Expires 01/31/2028 Notary Public STATE OF OKLAHOMA Midland Credit Management, Inc, Plaintiff -vs- Yang, Malaythip, Defendant(s). AFFIDAVIT OF DYLAN SAUER-SUNDLY Dylan Sauer-Sundly, 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/LOWE'S account XXXXXXXXXXXXX0908 (MCM Number 330979622) (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 $9,088.46 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 2022-03-31; 2) the last payment posted to the Account on 2024-03-16; and 3) the Account was charged off on 2024-11-08. 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 13 2026 Date STATE OF MINNESOTA COUNTY OF STEARNS Dylan Sauer-Sundly Signed and sworn to (or affirmed) before me on JAN 13 2026 by Dylan Sauer-Sundly. Christy Lynn Bliss Notary Public • Minnesota My Commission Expires 01/31/2029 Notary Public OK038