ATOKA COUNTY • CJ-2026-00032
LVNV Funding LLC v. Joyce Brady
What's This Case About?
Let’s be clear: no one wakes up one morning and says, “You know what I’d love? To be sued by a debt collection company for $31,501.32 after borrowing $30,000 from a bank I’ve never heard of to pay off another loan from a company called Best Egg.” And yet, here we are. Joyce Brady, a resident of Atoka County, Oklahoma, is now the defendant in a lawsuit that reads less like a legal document and more like a Rube Goldberg machine of modern debt — a single loan bouncing through a maze of shell companies, trustees, and acronym soup until it lands, finally, in small claims court with a price tag that could buy a used Tesla.
So who is Joyce Brady? We don’t know much, and that’s part of the point. She’s not a celebrity, not a public figure, just someone who, back in July 2024, signed on the digital dotted line for a personal loan of $32,254.60 — $30,000 after a $2,254.60 origination fee — from Cross River Bank, a New Jersey-based lender that does business under the brand name Best Egg. Best Egg, by the way, is not an egg company. It’s not even vaguely agricultural. It’s a fintech brand specializing in high-interest personal loans, often marketed to people looking to consolidate credit card debt. And yes, the name is ridiculous. Yes, the branding is aggressively cheerful. No, that doesn’t make the interest rate any less brutal.
The loan came with an 18.53% annual interest rate — already sky-high — but thanks to that origination fee, the effective annual percentage rate (APR) balloons to 21.99%, as disclosed in the Truth in Lending statement. That means if Joyce had held this loan for the full five-year term, she would’ve paid nearly $20,000 in interest and fees — more than half the original loan amount. Her monthly payments? $828.38 for 59 months, then a final balloon payment. For context, that’s more than the average rent in many parts of Oklahoma. And she signed for all of this online, from an IP address somewhere in the state, on July 19, 2024. The money was wired by August 21. Simple transaction. Or so it seemed.
Fast-forward to September 18, 2025 — less than a year later — and things get weird. Cross River Bank didn’t hold onto the loan. In fact, it had already sold the debt (along with thousands of others) to a trust called Loan Asset Holdings Trust 2020-2, which then sold a portfolio of bad debts — Portfolio 46317, if you’re taking notes — to Resurgent Acquisitions LLC, a debt buyer based in Delaware. That company, in turn, transferred the rights to collect from Joyce Brady to LVNV Funding LLC, another Delaware-registered debt collection entity. And now, in March 2026, LVNV is suing Joyce in Atoka County District Court to collect $31,501.32, plus interest at 8.75% from the date of judgment, attorney’s fees, and court costs. That’s right — the debt collector is suing over a loan it never issued, to a bank it’s not affiliated with, for a product branded like breakfast food.
Why are they in court? Because, according to the filing, Joyce defaulted. The petition is straightforward: she took out a loan, failed to keep up payments, and now owes the balance. The affidavit of indebtedness claims the amount is “justly and duly owed,” with all offsets and credits applied. The last payment was on March 21, 2025 — over a year ago — for $870. The charge-off statement from Best Egg, dated August 31, 2025, shows a total balance due of $31,501.32, broken down into $29,093.81 in principal and $2,407.51 in interest. No late fees, at least not anymore. But here’s the kicker: LVNV didn’t just buy the debt. It bought the right to sue. And that’s exactly what they’re doing — through a law firm, Faber and Brand LLC, which specializes in debt collection litigation across multiple states. Michael L. Foster, the attorney on record, files these kinds of cases like clockwork. This isn’t personal. It’s portfolio management.
What does LVNV want? $31,501.32. That’s not chump change. It’s a down payment on a house in rural Oklahoma. It’s two years of rent. It’s a year and a half of median household income in Atoka County. But in the world of debt buyers, this is a mid-tier claim — not the kind of six-figure corporate battle, but not small enough to ignore. They’re also asking for post-judgment interest at 8.75% annually, which means if Joyce doesn’t pay, the debt grows — slowly, but surely. Add in attorney’s fees and court costs, and this could snowball into something much bigger. And make no mistake: this is a debt collection lawsuit. The document itself includes the legally required disclaimer: “This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.” It’s not subtle. It’s not kind. It’s business.
Now, let’s talk about the absurdity. The real story here isn’t Joyce Brady. It’s the machine. A loan originates in New Jersey, gets packaged into a trust, sold to another company, then flipped to a third-party debt buyer — all while the borrower is still just trying to make the monthly payment. The original lender, Cross River Bank, likely got paid the moment the loan was securitized. Joyce’s money stopped mattering the second it was deemed “high-risk” or “likely to default.” Now she’s not dealing with a customer service rep — she’s facing a lawsuit from a faceless LLC that exists solely to collect on paper promises made by someone else. And LVNV Funding LLC? It’s not some rogue operator. It’s a subsidiary of Sherman Acquisition LP, a known player in the junk debt buying game — infamous for buying defaulted accounts for pennies on the dollar and suing borrowers across the country.
We’re rooting for transparency, honestly. For someone to stand up and say, “Wait — how did my $30,000 loan become a $31,500 judgment in a court in Oklahoma, handled by a Missouri law firm, owned by a Delaware company, all because I borrowed money from a bank called Best Egg?” The whole system is designed to be confusing, intimidating, and — let’s be real — slightly humiliating. Joyce Brady probably didn’t expect to be sued over a loan she thought she was paying on time. And LVNV? They probably don’t care who she is — they just want the judgment. Because once you have a judgment, you can garnish wages, freeze bank accounts, and keep collecting interest forever. That’s the endgame.
This case isn’t about fraud. It’s not about lying. It’s about how normal people get chewed up by a financial system that treats debt like a tradable commodity — not a promise, but a product. And the craziest part? Joyce Brady might not even know she’s being sued. The summons could be sitting in a mailbox, ignored because it looks like junk mail. Or maybe she’s already hired a lawyer. Maybe she’ll fight it. But in Atoka County, where the courthouse probably sees more tractor disputes than fintech debt transfers, this case is just another file folder in the stack. Another number. Another name.
We’re entertainers, not lawyers. But if we were betting, we’d say the real crime isn’t the default — it’s how easy it is to lose track of your own money in a system built to profit from your confusion.
Case Overview
$31,501 Demand
Petition
Jurisdiction
DISTRICT COURT OF ATOKA COUNTY, OKLAHOMA
Relief Sought
$31,501 Monetary
Plaintiffs
-
LVNV Funding LLC
business
Rep: FABER AND BRAND L.L.C.
Defendants
- Joyce Brady individual
Claims
| # | Cause of Action | Description |
|---|---|---|
| 1 | PETITION FOR MONEY DUE ON NOTE | collection of debt |
Petition Text
9,060 wordsIN THE DISTRICT COURT OF ATOKA COUNTY,
STATE OF OKLAHOMA
LVNV FUNDING LLC
Plaintiff,
vs.
Joyce Brady
Defendant(s).
Case No. CJ-26.32
PETITION FOR MONEY DUE ON NOTE
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 DELAWARE; 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 ATOKA County, Oklahoma and within the venue of this court.
3. That upon application by the Defendant(s), the Defendant(s) did enter into a Promissory Note to borrow a sum of money from CROSS RIVER BANK which has heretofore been sold and assigned to various parties including and ultimately to Plaintiff.
4. That the Defendant(s) did fail to perform the obligations under the Note and are therefore in default.
5. That if required by law or the Note, Defendant(s) were notified of his/her/their default and right to cure, but Defendant(s) failed to cure said default.
6. That the Defendant(s) still owe(s) $31501.32 to Plaintiff after giving the Defendant(s) due credit for any and all payments made thereon and any other credits entitled to Defendant(s).
7. Pursuant to the contract attached hereto, Plaintiff is entitled to reasonable attorney’s fees.
8. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) JOYCE BRADY 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: $31501.32;
Interest: at the rate of 8.75% per annum from the date of Judgment until paid;
Attorney fees;; and
All costs herein expended, including but not limited to court costs, sheriff's fees, and any costs for service of the summons(es).
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: 581989
IN THE DISTRICT COURT IN THE DISTRICT IN AND FOR ATOKA COUNTY, OK
LVNV Funding LLC
Plaintiff
vs.
Joyce Brady
Defendant(s)
PLAINTIFF'S AFFIDAVIT OF INDEBTEDNESS AND OWNERSHIP OF ACCOUNT
I am an Authorized Representative for LVNV Funding LLC (hereafter the "Plaintiff"), and hereby certify as follows:
1. I have personal knowledge regarding Plaintiff's creation and maintenance of its normal business records, including computer records of its accounts receivable. This information is regularly and contemporaneously maintained during the course of Plaintiff's business. I am authorized to execute this affidavit on behalf of Plaintiff and the information below is true and correct based on the Plaintiff's business records.
2. In the regular course of business, Plaintiff regularly acquires revolving credit accounts, installment accounts, service accounts, and/or other credit lines or obligations. The records provided to Plaintiff at the time of acquisition are represented to include information provided by the original creditor and/or its successors-in-interest. Such information includes the debtor's name and social security number, the account balance, the identity of the original creditor and the account number.
3. Based on the business records maintained on account XXXX5746 (hereafter, the "Account"), which are a compilation of the information provided to Plaintiff upon acquisition and information obtained since acquisition, the Account is the result of the extension of credit to Joyce Brady by Cross River Bank on or about 07/22/2024. Said business records further indicate that the Account was then owned by Loan Asset Holdings Trust 2020-2. Loan Asset Holdings Trust 2020-2 later sold and/or assigned Portfolio 46317, which included the Defendant's Account, to Plaintiff or Plaintiff's predecessor(s)-in-interest on 09/18/2025. Thereafter, all ownership rights were assigned to, transferred to and became vested in Plaintiff, including the right to collect the balance owing of $31,501.32 plus any legally permissible interest.
4. Based on the business records maintained in regard to the Account, the above stated amount is justly and duly owed by the Defendant to the Plaintiff and all just and lawful offsets, payments and credits to the Account have been allowed. Demand for payment was made more than thirty days ago.
__________________________
Jeisa Santiago
March 31, 2026
The foregoing instrument was acknowledged before me by the above-signed Notary Public, March 31, 2026.
(Notary Public)
PLAINTIFF'S AFFIDAVIT OF INDEBTEDNESS AND OWNERSHIP OF ACCOUNT
BILL OF SALE
DATED AS OF THE CLOSING DATE
Seller(s) listed below (each a “Seller” and, collectively the “Sellers”), for value received and pursuant to the Amended and Restated Forward Flow Purchase and Sale Agreement, dated as of April 18, 2019 (the “Agreement”), between Marlette Servicing LLC, as Servicer on behalf of Sellers identified therein, and Resurgent Acquisitions LLC last as buyer, hereby assign(s), effective as of the Closing Date(s) listed on the Attachment hereto, all rights, title and interest of Seller(s) (and including for the avoidance of doubt, all rights, title and interest of the trustee or other agent of each Seller listed on the Attachment, if any, not in their individual capacities, but solely in their capacity of trustee or other agent of the Seller, who is holding legal title to the Accounts for the benefit of the Seller in such capacity) in and to those Accounts listed on the Attachment and identified in the attached loan file(s). Capitalized terms used herein and not otherwise defined shall have the meanings ascribed to such terms in the Agreement.
SELLER(S):
ABF CONSUMER LOAN TRUST - MLT
Alternative Loan Issuer 2024 A-1 LLC
Auto Club Trust, FSB
Bank of America, N.A.
BEAST 2024-A
BEAST 2024-B
BEAST 2025-A
BEAST 2025-B
BEAST 2025-C
BEAST 2025-D
Blackthorn 2018-A
CF BEG UB Trust
Community First Bank
Congressional Bank
Cross River Bank
Customers Bank
Delaware Loan Purchase Trust - I
DL Investment Sarl
Edge Focus
Edge Focus High Yield Fund, LP
Fasanara Apex I
First Freedom Bank
FNX MPL 2023 Trust
Goldman Sachs Bank USA
IBI 2023-1
IBI Consumer Credit, LP
Loan Asset Holdings Trust 2020 M-1
Loan Asset Holdings Trust 2020-1
Loan Asset Holdings Trust 2020-2
Loan Asset Holdings Trust 2020-3
Loan Asset Holdings Trust 2021-M-1
Loan Asset Holdings Trust 2021-M-2
Loan Asset Holdings Trust 2022-1
Loan Asset Holdings Trust 2023-1
Loan Asset Holdings Trust 2024-1
Loan Asset Holdings Trust II 2020-1
Loan Asset Holdings Trust II 2021-1
Loan Asset Holdings Trust II 2022-1
Loan Asset Holdings Trust II 2023-1
MAPT 2020-10A
MAPT 2021-09A
MAPT 2025-03A
Marlette Funding Consumer Loan Trust
Marlette Funding Grantor Trust 2018-4
Marlette Funding Grantor Trust 2019-1
Marlette Funding Grantor Trust 2019-4
Marlette Funding Grantor Trust 2020-2
Marlette Funding Grantor Trust 2021-2
Marlette Funding Grantor Trust 2021-3
Marlette Funding Grantor Trust 2022-1
Marlette Funding Grantor Trust 2022-2
Marlette Funding Grantor Trust 2022-3
Marlette Funding Grantor Trust 2023-1
Marlette Funding Grantor Trust 2023-2
Marlette Funding Grantor Trust 2023-3
Marlette Funding Grantor Trust 2023-4
Marlette Funding Grantor Trust 2024-1
MCL Borrower Trust
MF Trust 2015-A
MPL Trust I
MPLI Capital Holdings
MPLI Capital Holdings II
National Education Loan Network, Inc
Omelette TopCo LLC
P2ML Trust i
Pagaya Acquisition Trust
Pagaya Acquisition Trust II
Pagaya AI Debt Grantor Trust 2021-4
Pagaya AI Debt Grantor Trust 2021-5
Pagaya AI Debt Grantor Trust 2022-1
Pagaya AI Debt Grantor Trust 2022-2
Pagaya AI Debt Grantor Trust 2022-3
Pagaya AI Debt Grantor Trust 2022-4
Pagaya AI Debt Grantor Trust 2022-5
Pagaya AI Debt Grantor Trust 2023-2
Pagaya AI Debt Grantor Trust 2023-3
Pagaya AI Debt Grantor Trust 2023-4
Pagaya AI Debt Grantor Trust 2023-5
Pagaya AI Debt Grantor Trust 2023-6
Pagaya AI Debt Grantor Trust 2023-7
Pagaya AI Debt Grantor Trust 2023-8
Pagaya AI Debt Grantor Trust 2024-1
Pagaya AI Debt Grantor Trust 2024-10
Pagaya AI Debt Grantor Trust 2024-11
Pagaya AI Debt Grantor Trust 2024-2
Pagaya AI Debt Grantor Trust 2024-3
Pagaya AI Debt Grantor Trust 2024-4
Pagaya AI Debt Grantor Trust 2024-5
Pagaya AI Debt Grantor Trust 2024-6
Pagaya AI Debt Grantor Trust 2024-7
Pagaya AI Debt Grantor Trust 2024-8
Pagaya AI Debt Grantor Trust 2024-9
Pagaya AI Debt Grantor Trust 2024-PT1
Pagaya AI Debt Grantor Trust 2024-PT2
Pagaya AI Debt Grantor Trust 2024-S1
Pagaya AI Debt Grantor Trust 2025-1
Pagaya AI Debt Grantor Trust 2025-2
Pagaya AI Debt Grantor Trust 2025-R1
Pagaya AI Debt Selection Grantor Trust 2021-1
Pagaya AI Debt Selection Grantor Trust 2021-2
Pagaya AI Debt Selection Grantor Trust 2021-3
Pagaya AI Debt Selection Grantor Trust 2021-HG1
Pagaya Depositor Trust
Pagaya Depositor Trust II
Pagaya Funding Trust II
Pagaya PAID 2025-R2
Pagaya Securities Holding Trust
PML Trust I
PML Trust IV
Red Marble Trust
SF CL Trust III
Sixth Street
SPC Receivables Funding Trust I
Stone Ridge Alternative Lending Risk Premium Fund US Holdings III LLC
Theorem Grantor Trust 2022-2
Theorem Grantor Trust 2022-3
Theorem Grantor Trust 2023-1
Theorem Main Fund Trust II
Theorem Main Master Fund LP
Theorem Prime + Yield Fund Master LP
Theorem Prime+ Yield Fund Trust II
Theorem Short Duration Liquidity Fund LP
Trallem 2 Trust
By Marlette Servicing, LLC, as Attorney in Fact
By: Alex Rhodes
Title: Chief Operating Officer
Date: As of the Closing Date listed on the Attachment
<table>
<tr>
<th>SELLER</th>
<th>TRUSTEE</th>
<th>FILE NAME(S)</th>
<th>UNITS</th>
<th>BALANCES</th>
<th>CLOSING DATE</th>
</tr>
<tr>
<td>ABF CONSUMER LOAN TRUST - MLT</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td></td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td>Alternative Loan Issuer 2024 A-1 LLC</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td>Auto Club Trust, FSB</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td></td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td>Bank of America, N.A.</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td>BEAST 2024-A</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td>BEAST 2024-B</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td>BEAST 2025-A</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td>BEAST 2025-B</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td>BEAST 2025-C</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
<tr>
<td>BEAST 2025-D</td>
<td></td>
<td>CHARGEOFF_SALE_SHER_2<br>0250908_v2.csv</td>
<td></td>
<td></td>
<td>9/18/2025</td>
</tr>
</table>
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 September 08, 2025 delivered by ABF CONSUMER LOAN TRUST - MLT, Alternative Loan Issuer 2024 A-1 LLC, Auto Club Trust, FSB, Bank of America, N.A., BEAST 2024-A, BEAST 2024-B, BEAST 2025-A, BEAST 2025-B, BEAST 2025-C, BEAST 2025-D, Blackthorn 2018-A, CF BEG UB Trust, Community First Bank, Congressional Bank, Cross River Bank, Customers Bank, Delaware Loan Purchase Trust - I, DL Investment Sarl, Edge Focus, Edge Focus High Yield Fund, LP, Fasanara Apex I, First Freedom Bank, FNX MPL 2023 Trust, Goldman Sachs Bank USA, I.B.I Consumer Credit, LP, IBI 2023-1, Loan Asset Holdings Trust 2020-1, Loan Asset Holdings Trust 2020-2, Loan Asset Holdings Trust 2020-3, Loan Asset Holdings Trust 2021-M-1, Loan Asset Holdings Trust 2021-M-2, Loan Asset Holdings Trust 2022-1, Loan Asset Holdings Trust 2023-1, Loan Asset Holdings Trust 2024-1, Loan Asset Holdings Trust II 2020-1, Loan Asset Holdings Trust II 2022-1, Loan Asset Holdings Trust II 2023-1, Loan Assets Holding Trust II 2021-1, Loan Assets Holdings Trust 2020 M-1, MAPT 2020-10A, MAPT 2021-09A, MAPT 2025-03A, Marlette Funding Consumer Loan Trust, Marlette Funding Grantor Trust 2018-4, Marlette Funding Grantor Trust 2019-1, Marlette Funding Grantor Trust 2019-4, Marlette Funding Grantor Trust 2020-2, Marlette Funding Grantor Trust 2021-2, Marlette Funding Grantor Trust 2021-3, Marlette Funding Grantor Trust 2022-1, Marlette Funding Grantor Trust 2022-2, Marlette Funding Grantor Trust 2022-3, Marlette Funding Grantor Trust 2023-1, Marlette Funding Grantor Trust 2023-2, Marlette Funding Grantor Trust 2023-3, Marlette Funding Grantor Trust 2023-4, Marlette Funding Grantor Trust 2024-1, MCL Borrower Trust, MF Trust 2015-A, MPL Trust I, MPLI Capital Holdings, MPLI Capital Holdings II, National Education Loan Network, Inc, Omelette TopCo LLC, P2ML Trust I, Pagaya Acquisition Trust, Pagaya Acquisition Trust II, Pagaya AI Debt Grantor Trust 2021-4, Pagaya AI Debt Grantor Trust 2021-5, Pagaya AI Debt Grantor Trust 2022-1, Pagaya AI Debt Grantor Trust 2022-2, Pagaya AI Debt Grantor Trust 2022-3, Pagaya AI Debt Grantor Trust 2022-4, Pagaya AI Debt Grantor Trust 2022-5, Pagaya AI Debt Grantor Trust 2023-2, Pagaya AI Debt Grantor Trust 2023-3, Pagaya AI Debt Grantor Trust 2023-4, Pagaya AI Debt Grantor Trust 2023-5, Pagaya AI Debt Grantor Trust 2023-6, Pagaya AI Debt Grantor Trust 2023-7, Pagaya AI Debt Grantor Trust 2023-8, Pagaya AI Debt Grantor Trust 2024-1, Pagaya AI Debt Grantor Trust 2024-10, Pagaya AI Debt Grantor Trust 2024-11, Pagaya AI Debt Grantor Trust 2024-2, Pagaya AI Debt Grantor Trust 2024-3, Pagaya AI Debt Grantor Trust 2024-4, Pagaya AI Debt Grantor Trust 2024-5, Pagaya AI Debt Grantor Trust 2024-6, Pagaya AI Debt Grantor Trust 2024-7, Pagaya AI Debt Grantor Trust 2024-8, Pagaya AI Debt Grantor Trust 2024-9, Pagaya AI Debt Grantor Trust 2024-PT1, Pagaya AI Debt Grantor Trust 2024-PT2, Pagaya AI Debt Grantor Trust 2024-S1, Pagaya AI Debt Grantor Trust 2025-1, Pagaya AI Debt Grantor Trust 2025-2, Pagaya AI Debt Grantor Trust 2025-R1, Pagaya AI Debt Selection Grantor Trust 2021-1, Pagaya AI Debt Selection Grantor Trust 2021-2, Pagaya AI Debt Selection Grantor Trust 2021-3, Pagaya AI Debt Selection Grantor Trust 2021-HG1, Pagaya Depositor Trust, Pagaya Depositor Trust II, Pagaya Funding Trust II, Pagaya PAID 2025-R2, Pagaya Securities Holding Trust, PML Trust I, PML Trust IV, Red Marble Trust, SF CL Trust III, Sixth Street, SPC Receivables Funding Trust I, Stone Ridge Alt Lndng Risk Prem Fnd US Hldngs III, Theorem Grantor Trust 2022-2, Theorem Grantor Trust 2022-3, Theorem Grantor Trust 2023-1, Theorem Main Fund Trust II, Theorem Main Master Fund LP, Theorem
Transfer and Assignment
Prime + Yield Fund Master LP, Theorem Prime+ Yield Fund Trust II, Theorem Short Duration Liquidity Fund LP, Trallem 2 Trust on September 18, 2025 for purchase by RALLC on September 18, 2025. The transfer of the Assets included electronically stored business records.
Dated: September 18, 2025 Resurgent Acquisitions LLC
a Delaware Limited Liability Company
By: [signature]
Name: Jackson Walker
Title: Authorized Representative
Dated: September 18, 2025 LVNV Funding LLC
a Delaware Limited Liability Company
By: [signature]
Name: Dan Picciano
Title: Authorized Representative
Exhibit A
Receivables File
09.18.25 CHARGE_OFF_SALE_SHER_20250908_v2
Transfer Group Portfolio Transfer Batch
N/A
Best Egg
TRUTH IN LENDING DISCLOSURE STATEMENT
Lender
Cross River Bank
2115 Linwood Ave.
Fort Lee, NJ 07024
Borrower
JOYCE BRADY
<table>
<tr>
<th>ANNUAL PERCENTAGE RATE<br>The cost of your credit at a yearly rate</th>
<th>FINANCE CHARGE<br>The dollar amount the credit will cost you</th>
<th>Amount Financed<br>The amount of credit provided to you or on your behalf</th>
<th>Total of Payments<br>The amount you will have paid after you have made all payments as scheduled</th>
</tr>
<tr>
<td>21.99%</td>
<td>$19,704.62</td>
<td>$30,000.00</td>
<td>$49,704.62</td>
</tr>
</table>
Your payment schedule will be as follows:
Number of Payments | Amounts | When payments are due<br>First payment is due on 8/21/2024, and then monthly on the same date thereafter.
--|---|---
59| $828.38|
1| $830.20|
Prepayment policy: If you pay off your loan in advance, you will not be charged a penalty. In the event of a prepayment, you will not be entitled to a refund of any pre-paid finance charges or other fees.
See your Loan Agreement for any additional information about nonpayment, default or other matters related to your loan.
Itemization of amount financed:
Amount of Your Loan: $32,254.60
Origination Fee: $2,254.60
Amount Given to You Directly or your designee: $30,000.00
Annual Loan Interest Rate: 18.53%. Interest at this Loan Interest Rate plus the Origination Fee results in the Finance Charge and Annual Percentage Rate disclosed above.
Loan Agreement
Cross River Bank
Best Egg Loan Agreement and Promissory Note
The terms and conditions of this Loan Agreement and Promissory Note (this "Agreement") are a binding contract between Cross River Bank ("we," "us," or "our") and the borrower ("you" and "your"), whose name and address are listed above. The terms of this Agreement affect your rights and you should read them carefully and print a copy for your records. Your agreement to these terms means you agree to borrow and repay the money if your loan is approved under the terms of this Agreement, and agree to have any dispute with us resolved by binding arbitration to extent permitted by law.
1. Loan Terms.
a. The principal Amount of Your Loan is: $32,254.60
b. The Origination Fee is: $2,254.60
c. The Amount Given to You Directly is: $30,000.00
d. The Interest Rate is: 18.53%.
e. Your Payment Schedule is: 59 consecutive monthly payments of $828.38 and one final payment of the unpaid principal balance, all unpaid interest, and all unpaid fees and charges. The first payment will be approximately one calendar month after the loan is funded. See paragraph 7. Payments, below, for more details.
f. Your loan is unsecured.
2. Credit Reports. You hereby authorize us (and our service providers) to obtain consumer reports (also called credit reports) and related information about you from one or more consumer reporting agencies. We may also obtain additional consumer reports at any time in connection with the origination, servicing, administration, collection, or enforcement of the loan.
3. Verification of Information. We may verify any information you submit by requiring you to produce appropriate documentation or other proof, and also reserve the right to conduct such verification through third parties. You hereby authorize us to request and obtain data from any third parties to verify any information you provide to us in connection with your application. Verification of information may cause a delay in the disbursement of loan proceeds. We may terminate consideration of your application at any time in our sole discretion.
4. Loan Funding and Closing.
• Funding. Loan proceeds are disbursed as a deposit to your designated bank account and/or as a direct payment to the creditor(s) you designated, if any, pursuant to participating in Best Egg's Direct Pay program. You authorize us to disburse the loan proceeds by Automated Clearing House ("ACH") transfer to your designated account or on your behalf to your selected designee, including the creditor designated as set forth above.
• Closing. BY ELECTRONICALLY SIGNING OR AGREEING TO THIS AGREEMENT IN ANOTHER WAY, YOU ARE COMMITTING TO OBTAIN A LOAN FROM US IN THE AMOUNT AND ON THE TERMS SET FORTH IN THIS AGREEMENT. YOU GENERALLY HAVE NO RIGHT TO RESCIND THE LOAN ONCE MADE BUT YOU MAY PREPAY THE LOAN AT ANY TIME WITHOUT PENALTY. WE HAVE NOT AGREED TO MAKE A LOAN TO YOU UNLESS AND UNTIL WE INFORM YOU THAT WE HAVE APPROVED YOUR LOAN APPLICATION.
5. Promise to Pay. You promise to pay to us the Amount of Your Loan set forth in paragraph 1, above, together with interest and fees as provided in this Agreement.
6. Interest. You agree to pay interest on the unpaid principal balance of the Amount of Your Loan from the date the loan proceeds are disbursed until the loan is paid in full, at the fixed annual Loan Interest Rate set forth in paragraph 1, above. Interest is calculated on a daily basis, on the unpaid principal balance, at the interest rate, and for the number of days that balance was unpaid. This is a simple interest obligation, and interest is not charged on unpaid interest. The Total Payments and amount of the Finance Charge set forth in the Truth in Lending Disclosure Statement assume that each payment is made on its due date. Late payments will result in more interest (and fees as set out in paragraph 12); early payments will result in less interest.
7. Payments. You agree to make monthly payments of principal and interest in the amounts set forth in the payment schedule in paragraph 1, above. The last payment may be a different amount because of rounding and because of when you made your prior payments and whether you paid them in full.
8. Making Your Loan Payments. If you authorize us and our successors and assigns (and any of our successors' and assign's affiliates, agents or service providers) and in consideration of our disbursement of loan proceeds to you or your designee, including any creditor you designated pursuant to Best Egg’s Direct Pay program, more rapidly by ACH than by check, we will automatically withdraw via debit from your designated account by ACH transfer the amount of each payment due on its due date as further described below. With regard to payments made by automatic withdrawal, you have the right to stop payment of automatic withdrawals or revoke your prior authorization for automatic withdrawals by notifying us or your financial institution at least three (3) banking days before the scheduled date of transfer. You may elect at any time to make payments by check or another method by contacting our customer service department at 844-825-2608. If you do not provide authorization to debit your designated account by ACH transfer, then you will be deemed to have elected to pay by another method in accordance with the foregoing provisions.
If you elect to make payments by ACH transfer, you authorize us and our successors and assigns (and any of our successors' and assign' affiliates, agents or service providers) to debit your designated account by ACH transfer for the amount of each remaining payment due on its due date. However, if your payment due date occurs on a non-business day, your account will be debited the next business day. You will maintain sufficient funds in your designated account to make these payments. This authorization does not affect your obligation to pay when due all amounts payable on your loan, whether or not there are sufficient funds in your accounts. The foregoing authorization is in addition to, and not in limitation of, any rights of setoff we may have. You have the right to have any unauthorized debit credited to your bank account in accordance with the applicable provisions of the Electronic Funds Transfer Act as implemented
by Federal Reserve System Regulation E. If you stop the automatic withdrawals, you are still obligated to make each payment that is due. You will receive a monthly statement advising of your payment amount.
If you elect to make payments by check or any method other than automatic withdrawal by ACH transfer, you must send such payments as directed on your monthly billing statements. We do not accept payments in cash or by credit card or gift card. You may also contact us for instructions on how to make payments by other payment options.
9. Prepayments and Partial Payments. You may make any payment early, in whole or in part, without penalty or premium at any time. Any partial prepayment is to be applied to any applicable payment or returned payment fees, interest, and then to the principal, and does not postpone the due date of any subsequent monthly installments, unless we otherwise agree in writing. If you prepay in part, you agree to continue to make regularly scheduled payments until all amounts due under this Agreement are paid. We may accept late payments or partial payments, even though marked “paid in full” or with similar language, without losing any rights under this Agreement. We will use any payment we receive to pay any payment then due, in whole or in part. If no payment is then due, we will use any payment of the regularly scheduled payment amount to pay the next scheduled payment. If the next scheduled payment has been paid, or if the payment is in another amount, we will treat the payment as a partial prepayment, unless you and we agree otherwise.
10. Application of Payments. All regularly scheduled payments are to be applied first to any applicable payment or returned payment fees, interest, and then to the principal, and then to collection and other permitted expenses provided; however, that after an Event of Default (as defined below), payments will be applied to your obligations as we determine in our sole discretion.
11. Other Borrower Obligations. You agree that you (A) are a US citizen or permanent resident and (B) did not and will not, in connection with your loan application: (i) make any false, misleading or deceptive statements or omissions of fact in your application; (ii) misrepresent your identity, or describe, present or portray yourself as a person other than yourself; or (iii) use any of the loan proceeds to fund any post-secondary educational expenses, including, but not limited to, tuition, fees, books, supplies, miscellaneous expenses, or room and board. You acknowledge and agree that we may rely without independent verification on the accuracy, authenticity, and completeness of all information you provide to us. You certify that the proceeds of the loan will not be used for the purpose of purchasing or carrying any securities or to fund any illegal activity.
12. Fees.
• Origination Fee. If applicable, you agree to pay a non-refundable Origination Fee to us, as set forth in paragraph 1. Loan Terms, above. This fee will be deducted from your loan proceeds, so the Amount Given to You Directly or on your behalf may be less than the full principal Amount of Your Loan. You acknowledge that the Origination Fee will be considered part of the principal on your loan and is subject to the accrual of interest.
• Returned Check or ACH Fee. You agree to pay a fee of $15 if ACH transfers or checks are returned or fail due to insufficient funds in your account or for any other reason. The bank that holds your designated account may assess its own fee in addition to the fee we assess.
•Late Fee. If your payment is not received by us within three days of the due date, we will charge a late fee in the amount of $15. We will charge only one late fee on each late payment. These fees may be collected using ACH transfers initiated by us from your designated account. Any such late fee assessed is immediately due and payable (subject to application of payments in paragraph 10). Any payment received after 6:00 P.M., Eastern Time, on a banking day is deemed received on the next succeeding banking day.
13. Default. You may be deemed in default on your loan (each, an "Event of Default") if you: (1) fail to pay timely any amount due on your loan; (2) file or have instituted against you any bankruptcy or insolvency proceedings or make any assignment for the benefit of creditors; (3) die; (4) commit fraud or make any material misrepresentation in this Agreement, or any other documents, applications or related materials delivered to us in connection with your loan; or (5) fail to abide by the terms of this Agreement. Upon the occurrence of an Event of Default, and after any notice and opportunity to cure the default, if such notice and right to cure is required by applicable law, we may exercise all remedies available to us under applicable law and this Agreement including, without limitation, demand that you or your estate immediately pay all amounts owed on your loan.
14. Collection & Reporting of Delinquent Loans. You agree to pay all costs of collecting any delinquent payments, as permitted by applicable law, including, if we file suit in court, reasonable attorneys' fees for an attorney who is not our salaried employee. 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.
15. Communications Consent: You agree that we and any of our affiliates, agents, service providers or assigns (and any of our assigns' affiliates, agents or service providers) may call you, leave you a voice prerecorded, or artificial voice message, or send a text, e-mail, or other electronic message to you for any purpose related to the processing, servicing and collection of your loan, for surveys or research or for any other informational purpose related to your loan (each a "Communication") using an automatic telephone dialing system or otherwise. You agree that we and any of our affiliates, agents, service providers or assigns (and any of our assigns’ affiliates, agents or service providers) may call or text you at any telephone number associated with your loan, including cellular telephone numbers, and may send an e-mail to any email address associated with your loan. You also agree that we and any of our affiliates, agents, service providers or assigns (and any of our assigns' affiliates, agents or service providers) may include your personal information in a Communication and may conduct a Communication using an automatic telephone dialing system. We will not charge you for a Communication, but your data service provider may. In addition, you understand and agree that we and any of our affiliates, agents, service providers or assigns (and any of our assigns' affiliates, agents or service providers) may always communicate with you in any manner permissible by law that does not require your prior consent.
16. Assignment of Your Loan. You agree that we may, without further prior notice to or consent from you, assign any or all of our right, title and interest in this Agreement and your loan, including record of this loan, the debt incurred, any transfer of the obligation and your promise to repay, to anyone. Marlette Funding, LLC or its agents or designees, acting solely for this purpose as your agent, shall maintain at one of its offices in Wilmington, Delaware a copy of each assignment delivered to it and a register for the recordation of the name and address of the holder of your loan (including any assign, if any, who becomes the holder of your loan
pursuant to an assignment), and principal amounts (and stated interest) of your loan or loans owing to, such holder pursuant to the terms hereof from time to time (the "Register"). The entries in the Register shall be conclusive absent manifest error, and you, Cross River Bank or its agents or designees, and the holder of your loan (including any assign, if any, who becomes the holder of your loan pursuant to an assignment) shall treat the person whose name is recorded in the Register pursuant to the terms hereof as a holder of your loan hereunder for all purposes of this Agreement. Recordation in the Register is the sole means of assignment or transfer of the holder’s (or its assign’s) interest in your loan. The Register shall be available for inspection by you and any holder (including assigns), at any reasonable time and from time to time upon reasonable prior notice.
17. Entire Agreement. This Agreement represents the entire agreement between you and us regarding the subject matter hereof and supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between us with respect to your application and loan.
18. Electronic Transactions. THIS AGREEMENT IS FULLY SUBJECT TO YOUR CONSENT TO ELECTRONIC TRANSACTIONS AND DISCLOSURES, WHICH YOU AGREED TO AT THE TIME OF YOUR APPLICATION. YOU EXPRESSLY AGREE THAT THIS AGREEMENT IS A "TRANSFERABLE RECORD" FOR ALL PURPOSES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT AND THE UNIFORM ELECTRONIC TRANSACTIONS ACT.
19. Notices. All notices and other communications to you hereunder may be given by email to your email address on file with us or by regular mail to your address on file with us, and shall be deemed to have been duly given and effective upon transmission. You acknowledge that you have sole access to the email account on file and that communications from us may contain sensitive, confidential, and collections-related communications. If your email address changes, you must notify us of the change. You also agree to update your residence address and telephone number if they change. You may send written correspondence to us at the following address: Best Egg, P.O. Box 42912, Philadelphia, PA 19101. You may also reach us by phone by dialing 844-825-2608 during normal business hours.
20. NO WARRANTIES. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES TO YOU, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
21. LIMITATION ON LIABILITY. IN NO EVENT SHALL WE BE LIABLE TO YOU FOR ANY LOST PROFITS OR SPECIAL, EXEMPLARY, CONSEQUENTIAL OR PUNITIVE DAMAGES, EVEN IF INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. FURTHERMORE, WE MAKE NO REPRESENTATION OR WARRANTY TO YOU REGARDING THE EFFECT THAT THE AGREEMENT MAY HAVE UPON YOUR FOREIGN, FEDERAL, STATE OR LOCAL TAX LIABILITY.
22. Waiver of Demand. You hereby waive demand, notice of non-payment, protest, and all other notices or demands whatsoever, unless such waiver is prohibited by law.
23. Amendments. Any changes to this Agreement must be in writing signed by you and us.
24. Miscellaneous. The parties acknowledge that there are no third party beneficiaries to this Agreement. You may not assign, transfer, sublicense or otherwise delegate your rights or obligations under this Agreement to another person without our prior written consent. Any such assignment, transfer, sublicense or delegation in violation of this paragraph 24 shall be null and void. We are located in the State of New Jersey and this Agreement will be entered into in the State of New Jersey. The provisions of this Agreement will be governed by federal laws and, to the extent that state law applies and is not preempted by federal law, the laws of the State of New Jersey, without regard to any principle of conflicts of laws that would require or permit the application of the laws of any other jurisdiction. Any waiver of a breach of any provision of this Agreement will not be deemed a waiver of any other subsequent breach. Failure or delay by either party to enforce any term or condition of this Agreement will not constitute a waiver of such term or condition. If at any time after the date of this Agreement, any of the provisions of this Agreement shall be held by any court of competent jurisdiction to be illegal, void or unenforceable, such provision shall be of no force and effect, but the illegality and unenforceability of such provision shall have no effect upon and shall not impair the enforceability of any other provisions of this Agreement. The headings in this Agreement are for reference purposes only and shall not affect the interpretation of this Agreement in any way.
Special Note for Residents of Colorado: If you are a resident of the State of Colorado as of the date of this Agreement and the Annual Percentage Rate of your Loan as set forth in your Truth in Lending Disclosure Statement exceeds the maximum finance charge permitted for a "supervised loan" under C.R.S. § 5-2-201(2) then the provisions of this Agreement are governed by Colorado law except for terms preempted or authorized by federal law (including the interest rate, origination fee, late fee and returned check fee), which are governed by federal law and New Jersey law.
25. NOTICE TO ACTIVE DUTY MILITARY SERVICEMEMBERS AND THEIR DEPENDENTS:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
For more information regarding your rights as a covered borrower under the Military Lending Act, please call 844-876-2611.
26. Arbitration.
a. Either party to this Agreement, or any subsequent assign of this Agreement, may, at its sole election, require that the sole and exclusive forum and remedy for resolution of a Claim be final and binding arbitration pursuant to this paragraph 26 (the "Arbitration Provision"), unless you opt out as provided in paragraph 26(b) below. As used in this Arbitration Provision, "Claim" shall include any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us and/or any assign (or persons claiming through or connected with us and/or any assign), on the other hand, relating to or arising out of this Agreement and/or the activities or relationships that involve, lead to, or result from this Agreement,
including (except to the extent provided otherwise in the last sentence of paragraph 26(f) below) the validity or enforceability of this Arbitration Provision, any part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise. Claims include matters arising as initial claims, counter-claims, cross-claims, third-party claims, or otherwise. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is enforceable.
b. You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt-out notice to Best Egg, P.O. Box 42912, Philadelphia, PA 19101, only if received at the specified address within 30 days of the date of your electronic acceptance of the terms of this Agreement. The opt-out notice must clearly state that you are rejecting arbitration; identify the Agreement to which it applies by date; provide your name, address, and social security number; and be signed by you. You may send the opt-out notice in any manner you see fit as long as it is received at the specified address within the specified time. No other methods can be used to opt-out of this Arbitration Provision. If the opt-out notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the opt out notice on your behalf.
c. The party initiating arbitration shall do so with the American Arbitration Association (the "AAA") or JAMS. The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the extent the rules conflict with this Arbitration Provision or any countervailing law. In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply.
d. If we (or any assign) elect arbitration, we (or the assign, as the case may be) shall pay all the administrator's filing costs and administrative fees (other than hearing fees). If you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules of the administrator selected, or in accordance with countervailing law if contrary to the administrator's rules. We (or the assign, as the case may be) shall pay the administrator's hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day will be paid by the party requesting the hearing, unless the administrator's rules or applicable law require otherwise, or you request that we (or the assign) pay them and we agree (or the assign agrees) to do so. Each party shall bear the expense of its own attorneys' fees, except as otherwise provided by law. If a statute gives you the right to recover any of these fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein.
e. Within 30 days of a final award by the arbitrator, any party may appeal the award for reconsideration by a three-arbitrator panel selected according to the rules of the arbitrator administrator. In the event of such an appeal, any opposing party may cross-appeal within 30 days after notice of the appeal. The panel will reconsider de novo all aspects of the initial award that are appealed. Costs and conduct of any appeal shall be governed by this Arbitration Provision and the administrator's rules, in the same way as the initial arbitration proceeding. Any award by the individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be final and binding, except for any appeal right under the Federal Arbitration Act ("FAA"), and may be entered as a judgment in any court of competent jurisdiction.
f. We agree not to invoke our right to arbitrate an individual Claim you may bring in Small Claims Court or an equivalent court, if any, so long as the Claim is pending only in that court. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF
OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this paragraph 26(f), and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this paragraph 26(f) shall be determined exclusively by a court and not by the administrator or any arbitrator.
g. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by and enforceable under the FAA. The arbitrator will apply substantive law consistent with the FAA and applicable statutes of limitations. The arbitrator may award damages or other types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator shall take steps to reasonably protect confidential information.
h. This Arbitration Provision shall survive (i) suspension, termination, revocation, closure, or amendments to this Agreement and the relationship of the parties and/or assignee; (ii) the bankruptcy or insolvency of any party or other person; and (iii) any transfer of any loan or this Agreement to any other person or entity. If any portion of this Arbitration Provision other than paragraph 26(f) is deemed invalid or unenforceable, the remaining portions of this Arbitration Provision shall nevertheless remain valid and in force. If an arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in paragraph 26(f) are finally adjudicated pursuant to the last sentence of paragraph 26(f) to be unenforceable, then no arbitration shall be had. In no event shall any invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration Provision. THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY.
i. EXCEPTION: Active duty military servicemembers and their dependents are exempt from arbitration to the extent provided for in the Military Lending Act.
NOTICE TO CONSUMER:
1. Do not sign this Agreement before you read it.
2. You are entitled to a copy of this Agreement.
3. You may prepay the unpaid balance at any time without penalty.
IMPORTANT: READ BEFORE SIGNING. The terms of this agreement should be read carefully because only those terms in writing are enforceable. No other terms or oral promises not contained in this written contract may be legally enforced. You may change the terms of this Agreement only by another written agreement. IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
Signature: JOYCE BRADY, Signature Date: 7/19/2024
IP Address: [REDACTED]
You can contact us for purposes of this Agreement at Best Egg, P.O. Box 42912, Philadelphia, PA 19101. For customer service, our telephone number is 844-825-2608.
STATE LAW NOTICES:
ALL BORROWERS: Oral agreements or commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt, are not enforceable. To protect you and us from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we later may agree in writing to modify.
CALIFORNIA RESIDENTS: A married applicant may apply for a separate account. If we take any adverse action as defined by § 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished the consumer credit report and from any other consumer credit reporting agency that complies and maintains files on consumers on a nationwide basis.
CALIFORNIA and UTAH RESIDENTS: As required by California and Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
KANSAS (and IOWA residents if the principal amount of this loan exceeds $20,000): Important: read before signing. The terms of this agreement should be read carefully because only those terms in writing are enforceable. No other terms or oral promises not contained in this written contract may be legally enforced. We may change the terms of this agreement only by another written agreement.
MARYLAND RESIDENTS: To the extent that any court determines that this Agreement is subject to Maryland law concerning consumer credit, you and we agree and elect to make this loan pursuant to Subtitle 10 (Credit Grantor Closed End Credit provisions) of Title 12 of the Maryland Commercial Law Article only to the extent that such provisions are not inconsistent with our authority under federal law (12 U.S.C. § 1831d) and related regulations and interpretations, which authority we expressly reserve.
MASSACHUSETTS RESIDENTS: Massachusetts law prohibits discrimination based upon marital status or sexual orientation.
MISSOURI AND NEBRASKA RESIDENTS: Oral loan agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of such debt, including promises to extend or renew such debt, are not enforceable. To protect you and us and any holder of this
agreement from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.
NEW HAMPSHIRE RESIDENTS: You are not required to sign this agreement (directly or indirectly), or agree to enter into such an agreement as a condition of purchasing any property, goods or services. Reasonable attorney fees shall be awarded to the prevailing party in any action you bring against us or we bring against you. If we successfully assert a partial defense or set-off, recoupment, or counterclaim to an action brought by you, the court may withhold from you the entire amount or such portion of the attorney's fees as the court considers equitable.
NEW JERSEY RESIDENTS: The paragraph headings of this Agreement are a table of contents and not contract terms. Portions of this Agreement with references to actions taken to the extent of applicable law apply to acts or practices that New Jersey law permits or requires. In this Agreement, actions or practices (i) which are or may be permitted by "applicable law" are permitted by New Jersey law, and (ii) that may be or will be taken by us unless prohibited by "applicable law" are permitted by New Jersey law.
NEW YORK, RHODE ISLAND and VERMONT RESIDENTS: You understand and agree that we may obtain a consumer credit report in connection with this application and in connection with any update, renewals for extension of any credit as a result of this application. If you ask, you will be informed whether or not such a report was obtained, and if so, the name and address of the agency that furnished the report. You also understand and agree that Lender may obtain a consumer credit report in connection with the review or collection of any loan made to you as a result of this application or for other legitimate purposes related to such loans.
NORTH DAKOTA RESIDENTS ONLY: Notice: Money brokers are licensed and regulated by the Department of Financial Institutions, 2000 Schafer Street, Suite G, Bismarck, North Dakota 58501-1204. The Department of Financial Institutions has not passed on the merits of the contract and licensing does not constitute an approval of the terms or of the broker's ability to arrange any loan. Complaints regarding the services of money brokers should be directed to the Department of Financial Institutions. (NDAC 13-05-01-09)
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law.
SOUTH DAKOTA RESIDENTS: Any improprieties in making the loan or in loan practices may be referred to the South Dakota Division of Banking, located at 1601 N. Harrison Avenue, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.
WISCONSIN RESIDENTS: For married Wisconsin residents, your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under § 766.59 of the Wisconsin statutes or court decree under § 766.70 adversely affects our interest unless, prior to the time that the loan is approved, we are furnished with a copy of the marital property agreement, statement, or decree or have actual knowledge of the adverse provision. If this loan for which you are applying is granted, you will notify us if you have a spouse who needs to receive notification that credit has been extended to you.
Best Egg
PO Box 42912
Philadelphia, PA 19101
Joyce Brady
Account Number: [REDACTED]
Date: August 31, 2025
Joyce Brady
CHARGE OFF FINAL STATEMENT
Customer Information
Customer Name: Joyce Brady
Account Number: [REDACTED]
Statement Date: August 31, 2025
Last Payment Received
Last Payment Date: 03/21/2025
Last Payment Amount: $870.00
Last Payment Amount Applied to:
Principal: $450.04
Late Fees: $0.00
Interest: $419.96
Other: $0.00
Account Summary
TOTAL BALANCE DUE: $31,501.32
Principal Balance: $29,093.81
Interest: $2,407.51
Late Fees: $0.00
Other: $0.00
Payment Options
Phone: Call us at 855-282-6353 to make a one-time payment.
Mail: Mail us a check to the address below. Please include your Best Egg Account Number in the Memo Line and allow 5-7 business days for your payment to reach us.
Best Egg
PO Box 207865
Dallas, TX 75320-7865
Overnight your payment: You can overnight your payment by including your Account Number on the Memo Line on your check to:
Lockbox Services 207865
Best Egg
2975 Regent Blvd
Ste 100
Irving, TX 75063
General Information
Contact Us:
Email us: [email protected]
Give us a call at 855-282-6353 during these hours:
Monday – Thursday 8:00am – 10:00pm ET
Friday 8:00am – 8:00pm ET
Saturday 9:00am –1:00pm ET
Correspondence Address:
Best Egg
PO Box 42912
Philadelphia, PA 19101
Credit Bureau Reporting: We may report information about the status of your Best Egg loan to credit bureaus. Late payments, missed payments or other delinquencies on your account may be reflected in your credit report.
Important Information
The account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or otherwise provided by state law.
The servicer of this account is Marlette Servicing, LLC., c/o Best Egg, PO Box 42912, Philadelphia, PA 19101.
You may contact Best Egg at the address above or by calling 855-282-6353 during our business hours. Our hours of operation are Monday through Thursday 8am to 10pm, Friday 8am to 8pm, and Saturday 9am to 1pm Eastern Time.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
MASSACHUSETTS RESIDENTS:
TO MASSACHUSETTS RESIDENTS: NOTICE OF IMPORTANT RIGHTS. YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN (10) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE COLLECTION AGENCY.
MINNESOTA RESIDENTS:
This collection agency is licensed by the Minnesota Department of Commerce.
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