CJ-2026-84 - Tinker Federal Credit Union v. Wilma Nossaman

What's This Case About?

Let’s be honest—nobody expects a full-blown legal battle over a Visa Platinum card to end with a credit union dragging a 78-year-old retired woman into court like she’s some kind of financial supervillain. But here we are, in Garfield County, Oklahoma, where Tinker Federal Credit Union is demanding $19,744.84 from Wilma Nossaman, a grandmother whose biggest crime might just be forgetting to pay her credit card bill in a timely manner—or, perhaps, forgetting she even had the card at all.

Now, who is Wilma Nossaman? According to the documents, she’s a retiree living in Apartment 421 at 1225 S. Cleveland Street in Enid, Oklahoma. Her phone number is listed twice—home and cell—as the same number, which either means she’s old-school or just really committed to one device. Her email? [email protected], the kind of address that makes you wonder if “RFestan” is a secret alias or just a typo that stuck. Born in 1947, Wilma is solidly in her late 70s, and her employer is listed as “Retired,” which, let’s face it, is the most relatable job title of them all. She applied for the TFCU Visa Platinum card back in May 2015, excitedly checking the box that said “YES, I WANT MY TFCU VISA PLATINUM CARD!” like a kid picking out a new toy. At the time, she had a $5,000 credit limit and, presumably, dreams of modest retail therapy or maybe just a way to cover unexpected expenses in retirement. Fast forward ten years, and that dream has curdled into a $19,744.84 debt that’s landed her in civil court.

So what happened? Well, according to the credit union, Wilma opened the account on or about June 1, 2015, signed the agreement (complete with a mother’s maiden name—Myrick, for the record), and started using the card. The details of her spending are… sparse, but the account statement shows a current balance of $19,744.84, with only $255 available credit left on a $20,000 limit. She’s been late—very late—with payments. The filing notes she’s 194 days delinquent, which is roughly six and a half months of silence. Her last payment? A meager $50 on October 9, 2025. Meanwhile, interest is piling up at a rate of $6.77 per day—over $2,400 a year—so the debt is growing faster than anyone would like. The credit union claims she’s in breach of contract, which is legalese for “you said you’d pay, and you didn’t.” They’ve reviewed her military status (more on that in a sec) and confirmed she’s not currently serving, which means they’re free to sue without violating the Servicemember’s Civil Relief Act. And just to cover their bases, they’ve also asked the court to order the Oklahoma Employment Security Commission to hand over any info about Wilma’s employment—because if she’s retired, where’s the money coming from? Or more to the point, where isn’t it coming from?

Which brings us to why they’re in court. Tinker Federal Credit Union isn’t filing this case because they miss her. They’re doing it because they want their money. The legal claim is straightforward: breach of contract. Wilma agreed to pay, she didn’t, and now they’re enforcing the terms. Under Oklahoma law (specifically 12 O.S. §936), they’re entitled to the balance, plus interest, attorney fees, and collection costs. The filing even includes an “Affidavit” from Kristian Maher, a Collections Legal Specialist, who swears under penalty of perjury that Wilma is not in the military—verified via the Department of Defense’s online database. This isn’t just bureaucracy; it’s a legal shield. The Servicemember’s Civil Relief Act protects active-duty personnel from certain civil actions, including debt collection, so TFCU had to prove Wilma isn’t entitled to that protection. The certificate they pulled shows a big, bold “No” under “On Active Duty,” so the coast is clear. Still, it’s kind of wild that a 78-year-old woman’s military status had to be fact-checked before a credit card lawsuit could proceed. Did they think she was secretly deployed?

Now, let’s talk about the money. $19,744.84. That’s not chump change, but it’s also not a mansion-down payment. For a retiree living on a fixed income, it’s a mountain. For a credit union, it’s a rounding error in the grand scheme—but still, money owed is money owed. The card’s original limit was $5,000, but the balance ballooned over time, likely due to compounding interest, cash advances (there’s a $11,975 cash out charge listed), late fees, and minimum payments that barely dented the principal. The filing shows she’s been in this cycle for years—two late payments in one cycle, five in three cycles—like a hamster on a debt wheel. And now, instead of working out a payment plan or cutting their losses, TFCU has decided to go full litigation mode. They want the full amount, plus interest, plus attorney fees, plus costs. They’ve even requested a payoff schedule showing what she’d owe if they waited a few days—$19,839.67 on October 29, $19,907.41 by November 7. It’s like they’re daring her to wait.

And what’s Wilma’s side of the story? We don’t know. The filing is one-sided—this is a petition, not a trial transcript. Maybe she disputes the amount. Maybe she says she never got statements. Maybe she thought the account was closed. Maybe she’s been dealing with health issues or memory problems. Maybe she just plain forgot. But none of that is in the record. All we have is a woman with $1.27 in her primary share account, a $7,609 car loan on a 2009 Nissan Xterra (which, bless its heart, is still being paid off), and a credit card balance that’s nearly triple what she originally borrowed. The irony? She applied for a Platinum card. Platinum implies luxury, status, exclusivity. But this isn’t a story about fine dining and first-class flights. This is a story about a retiree drowning in credit card debt, and a credit union that would rather sue than negotiate.

Our take? The most absurd part isn’t the amount, or the military check, or even the fact that a credit union is suing a grandma. It’s the sheer banality of it all. This isn’t fraud. It isn’t identity theft. It’s just… life. People get old. Incomes shrink. Debts linger. And somewhere along the way, a system designed to help people manage money turns into a machine that punishes them for falling behind. Tinker Federal Credit Union could’ve offered a settlement, a hardship program, a write-down. Instead, they sent a lawyer. They demanded not just the debt, but all the debt—plus fees, plus interest, plus costs. And they did it on October 28, 2025, which, by the way, is after the balance was already $19,744.84. This wasn’t a last resort. It was a first strike.

We’re not rooting for debt evasion. We’re not saying Wilma should get a free pass. But we are saying that when a 78-year-old retiree owes $19,744 on a credit card, the answer shouldn’t automatically be “sue her.” It should be “what happened?” Because behind every delinquent account is a human story—maybe one of bad decisions, maybe one of bad luck, maybe one of bad health. And in a country where medical debt, inflation, and stagnant wages are crushing retirees, maybe—just maybe—it’s time to stop treating credit card lawsuits like moral crusades and start treating them like what they are: symptoms of a broken system. But hey, what do we know? We’re entertainers, not lawyers.

Case Overview

$19,745 Demand Petition

Jurisdiction

District Court of Garfield County, Oklahoma

Filing Attorney

Jeffery S. Ludlam

HALL & LUDLAM, PLLC

Relief Sought

$19,745 Monetary

Plaintiffs

Tinker Federal Credit Union business
Rep: Jeffery S. Ludlam, OBA #17822

Defendants

Wilma Nossaman individual

Claims

#	Cause of Action	Description
1	breach of contract	default on credit card open account

Petition Text

1,916 words

IN THE DISTRICT COURT OF GARFIELD COUNTY STATE OF OKLAHOMA TINKER FEDERAL CREDIT UNION ) ) Plaintiff, vs. ) WILMA NOSSAMAN, ) Case No. Defendant. PETITION Plaintiff, Tinker Federal Credit Union ("TFCU"), for its cause of action against Defendant, Wilma Nossaman ("Defendant"), alleges and states as follows: 1. On or about June 1, 2015, Defendant executed a credit card open account (hereinafter referred to as the "Contract") and became obligated to pay TFCU for all charges made thereon. See Exhibit “A”. 2. Defendant defaulted on the Contract by failing to timely pay and is indebted to TFCU in the amount of $19,744.84 as of October 28, 2025. 3. TFCU is entitled to contractual interest, reasonable attorney's fees and its reasonable costs of collection under the terms of the Contract and under 12 O.S. §936. 4. Pursuant to the Servicemember’s Civil Relief Act of 2003, TFCU has reviewed the Department of Defense website and determined Defendant is not in the military. See the Affidavit attached hereto as Exhibit “B”. 5. Pursuant to 40 O.S. §4-508(D), TFCU requests an Order that at any time or times subsequent to the filing of this order, the Oklahoma Employment Security Commission shall produce, within thirty (30) days of receipt of this order, employment information of the Defendant. WHEREFORE, Tinker Federal Credit Union prays for judgment against Defendant, Wilma Nossaman for $19,744.84, plus contractual interest, TFCU’s reasonable attorney’s fees and costs incurred in pursuit of this action, TFCU’s reasonable attorney’s fees and costs incurred in collection of the Judgment and for such other and further relief as this Court deems just and proper. Respectfully submitted, Jeffery S. Ludlam, OBA #17822 HALL & LUDLAM, PLLC 210 Park Ave, Suite 3001 Oklahoma City, OK 73102 (405) 600-9500 Telephone (405) 871-5403 Facsimile [email protected] Share and Loan List Account 0007808001 Account Type: General Membership Member WILMA NOSSAMAN 1225 S CLEVELAND ST APT 421 ENID, OK 73703-6745 Wilma Nossaman Heritage Type Primary Home Phone 580-278-6337 <table> <tr> <th>Share</th> <th>Description</th> <th>Maturity Date</th> <th>Available</th> <th>Balance</th> </tr> <tr> <td>S 0001</td> <td>PRIMARY SHARE</td> <td></td> <td>1.27</td> <td>6.27</td> </tr> <tr> <td>S 0004</td> <td>HERITAGE CHECKING</td> <td></td> <td>0.00</td> <td>0.00</td> </tr> </table> <table> <tr> <th>Loan</th> <th>Description</th> <th>Due Date</th> <th>Payment</th> <th>Avail/DQ*</th> <th>Balance</th> </tr> <tr> <td>L 0052</td> <td>2009 NISSAN XTERRA</td> <td>06/07/2015</td> <td>151.18 C</td> <td></td> <td>7,609.13</td> </tr> </table> YES, I WANT MY TFCU VISA PLATINUM CARD! Wilma Nossaman 1225 S Cleveland St Apt 421 Enid, OK 73703-6745 184ECK978 $5,000 Social Security Number ______ Employer Retired Gross Annual Income ______ Home Phone 580-278-6337 Cell Phone 580-278-6337 Work Phone ______ Date of Birth 3/17/1947 Mother's Maiden Name Myrick Email [email protected] I have read and agreed to the terms and conditions on the reverse side of this letter. I also agree to read and comply with the Cardholder Agreement and Disclosure Statement accompanying my credit card. Signature Wilma Nossaman Date 5/31/2015 Co-Application Information (If any): Name (First, Middle, Last): MAY 26 2015 Address ____________________________ City __________________ State ______ Zip __________ Social Security Number _______________ Date of Birth _______________ Employer __________________________ Gross Annual Income __________ Home Phone __________ Cell Phone __________ Work Phone __________ I have read and agreed to the terms and conditions on the reverse side of this letter and I agree to be jointly responsible for this account. I also agree to read and comply with the Cardholder Agreement and Disclosure Statement accompanying my credit card. Co-Applicant (if any) __________________________ Date __________ Expiration date: August 15, 2015 BS NOSSAMAN,WILMA**APT 317*1225 S CLEVELAND ST*ENID*OK*73703-6745* CRCD 840 10/28/25 15:45 0 CUR BAL 19,744.84 STTS CD INT/EX D/ HOME PHONE 580-402-0915 CRDT LIMIT 20,000 CYCLE CODE 13 WORK PHONE 999-999-9999 AVLB CRDT 255 OPEN DATE 06-15 SOC SEC # LS BAL 19,744.84 EXP DATE 06-27 CHECKING 0010739459 PRV H BAL 19,745 PLST# 01 TYPE 1 SAVINGS 0010739459 LST PMT AM 50 LST PMT DT 10-09-25 ANNUAL CHARGE 00-00 0 AM DUE 3,976 LST MON 10-09-25 P CREDIT LINE 11-23 M DSP 0 0 0 LST NM 10-21-25 791 FX PY AM 0.00 AM DLQ 3,384 AUTH FLG PIN TR O RENEWAL CODE 6 CONTROL 0 # DAYS DELINQUENT 194 OVERLIMIT HIST 0 USER FLAGS V # TIMES 1 CYCLE 2 TERMS LEVEL 1 SPECIAL FLAGS # TIMES 2 CYCLES 0 HIST ONN4 L21I IQOI MISC F 532 MYRICK # TIMES 3 CYCLES 5 REAGE COUNTER 00 MONTHS GROSS ACTIVE 34 RECOURSE FLAG NSTS CD CHG 00-00-00 DELQ SCENARIO 0000 CASH OUT 11,975 AUTO PAYMNT FLAG 0 SCORE: BH 245 CR 727 YTD INT 1,465.79 CRDT BUREAU FLAG 1 CREDIT LIFE 0 / DUALITY 0 CROSS REFERENCE 1 00000000000000000000 2 00000000000000000000 3 CPO NOSSAMAN,WILMA**APT 317*1225 S CLEVELAND ST*ENID*OK*73703-6745* PER DAY INTEREST 6.7737 ACCOUNT PAYOFF 10/28/25 19,839.6718 10/29/25 19,846.4455 10/30/25 19,853.2192 10/31/25 19,859.9929 11/01/25 19,866.7666 11/02/25 19,873.5403 11/03/25 19,880.3140 11/04/25 19,887.0877 11/05/25 19,893.8614 11/06/25 19,900.6351 11/07/25 19,907.4088 CSS ** ENTER CPF TO DISPLAY NEXT CRCD 840 RL 0001 OF 0001 15:45:28 10/28/2 NOSSAMAN,WILMA**APT 317*1225 S CLEVELAND ST*ENID*OK*73703-6745* 0 1013 1108 3ON 3976.00 D 20000 25507 0 01 1009 1009 74387288S00XTMJG2 PAYMENT - THANK YOU 50.00 02 LATE FEE 22.00 03 TOTAL FEES FOR THIS PERIOD 22.00 04 Interest Charge on Purchases 73.33 05 Interest Charge on Cash Advances 129.70 06 TOTAL INTEREST FOR THIS PERIOD 203.03 07 CUREWARDS POINTS ACTIVITY 08 BEGINNING BALANCE 6,407 09 POINTS EARNED 0 10 POINTS REDEEMED 0 11 POINTS AVAILABLE 6,407 12 13 POINTS TO EXPIRE 742 14 EXPIRATION DATE DEC 2025 15 19569.81 50.00 .00 .00 .00 22.00 203.03 19744.84 1.083 13.00 .00 BRK PNT BRK PNT ADB MDSE ADB CASH 1.083 13.00 .00 ******************************* 6772.09 11975.30 AFFIDAVIT STATE OF OKLAHOMA COUNTY OF OKLAHOMA) ) ss. Kristian Maher, of lawful age, being first duly sworn, upon oath deposes and states: 1. I am a Collections Legal Specialist for Tinker Federal Credit Union, and I am authorized to make this Affidavit of its behalf. Based on a review of the Department of Defense website Wilma F Nossaman is not in the military. A copy is attached hereto. Signed under penalty of perjury. [Signature] Subscribed and sworn to before me this 28th day of October 2025. [Signature] Notary Public My Commission Expires: (SEAL) Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-2813 Birth Date: Mar-XX-1947 Last Name: NOSSAMAN First Name: WILMA Middle Name: F Status As Of: Oct-28-2025 Certificate ID: 6JVMK9R7N0N4MK1 <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individuals' active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided.