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Page 1 of 22

SCCV029317 BUAKHAI

Binder Information

Created For: Duane Hoffmeyer

Created By: Roder, Lisa
Created Date: 10-14-2014
Updated By: Roder, Lisa
Updated Date: 10-14-2014
Generated: 10-14-2014
Event Date: 10-14-2014
Expires:

E-FILED

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SAC
CLERK OF DISTRICT COURT
Page 2 of 22

IN THE IOWA DISTRICT COURT FOR BUENA VISTA COUNTY

Case No. 03111 SCCV029317

MIDLAND FUNDING LLC

VS BUAKHAI, DONAVIN
Clerk's

I, the undersigned Clerk of District Court or designee, do hereby certify as follows:

Case Security:
The ICIS case level security of this matter is:
All of the case record in this matter is public record
All or part of the case record in this matter is confidential under Iowa law:
Juvenile Record, including children and families in need of assistance, termination of parental rights and certain
confidential delinquency actions
Involuntary Hospitalization of Persons with Mental Illness Record
Involuntary Commitment or Treatment of Chronic Substance Abuse Record
Pending Dissolution of Marriage Record
While this case type is public record, certain documents are confidential or sealed
Probate
Other:
Document Security:
The security level for the documents in this binder is 0. The event/document security table is shown at the end of this
certificate.
Transmission of Record:
The record is being transmitted to the District Clerk of Court in the following format(s):
Fully electronic format (attached)
Part electronic/part non-electronic
Partially electronic format (attached in binder)
Partially non-electronic. Non-electronic records will be delivered to the and will consist of the following records:
The following non-electronic records or exhibits are of unusual bulk, weight or substance and will be delivered to the
only upon specific request:
Other:
1 of 2

E-FILED
Dated: October 14, 2014

02811 SCSC015517 - 2014 OCT 20 08:59 AM

SAC
CLERK OF DISTRICT COURT
Page 3 of 22
/s/

LISA M RODER

Clerk of Court/Designee
BUENA VISTA County

EDMS/ICIS event and document security levels:

0 Public
1 Confidential - accessible by case parties
2 Confidential - accessible by self-represented litigants
3 Confidential - accessible by attorneys on the case
4 Confidential - accessible by county attorney
5 Confidential - accessible by authorized court personnel (paper copy may be publicly available at Clerk of District Court
office)
6 (Not designated)
7 (Not designated)
8 Expunged - accessible by judges, magistrates and clerks of court
9 Sealed - accessible by judges and clerks of court

2 of 2

E-FILED 2014 OCT 14

02811
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Page 4 of 22

IN THE IOWA DISTRICT COURT FOR BUENA VISTA COUNTY

Case No. 03111 SCCV029317

MIDLAND FUNDING LLC

VS BUAKHAI, DONAVIN
Clerk's

I, the undersigned Clerk of District Court or designee, do hereby certify as follows:

Case Security:
The ICIS case level security of this matter is:
All of the case record in this matter is public record
All or part of the case record in this matter is confidential under Iowa law:
Juvenile Record, including children and families in need of assistance, termination of parental rights and certain
confidential delinquency actions
Involuntary Hospitalization of Persons with Mental Illness Record
Involuntary Commitment or Treatment of Chronic Substance Abuse Record
Pending Dissolution of Marriage Record
While this case type is public record, certain documents are confidential or sealed
Probate
Other:
Document Security:
The security level for the documents in this binder is 0. The event/document security table is shown at the end of this
certificate.
Transmission of Record:
The record is being transmitted to the District Clerk of Court in the following format(s):
Fully electronic format (attached)
Part electronic/part non-electronic
Partially electronic format (attached in binder)
Partially non-electronic. Non-electronic records will be delivered to the and will consist of the following records:
The following non-electronic records or exhibits are of unusual bulk, weight or substance and will be delivered to the
only upon specific request:
Other:

E-FILED 2014 OCT 14

02811
SCSC015517
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CLERK OF DISTRICT COURT
Page 5 of 22
Dated: October 14, 2014

/s/

LISA M RODER

Clerk of Court/Designee
BUENA VISTA County

EDMS/ICIS event and document security levels:

0 Public
1 Confidential - accessible by case parties
2 Confidential - accessible by self-represented litigants
3 Confidential - accessible by attorneys on the case
4 Confidential - accessible by county attorney
5 Confidential - accessible by authorized court personnel (paper copy may be publicly available at Clerk of District Court
office)
6 (Not designated)
7 (Not designated)
8 Expunged - accessible by judges, magistrates and clerks of court
9 Sealed - accessible by judges and clerks of court

E-FILED 2014 OCT 10

02811
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Page 6 of 22

IN THE IOWA DISTRICT COURT FOR BUENA VISTA COUNTY

MIDLAND FUNDING LLC,

Plaintiff,

Case No. SCCV029317

v.
DONAVIN BUAKHAI

ORDER FOR CHANGE OF VENUE

Defendant(s).

NOW on this, the ______ day of _______________________, 20____, the Court having
considered Plaintiffs Motion for Change of Venue and being fully advised in these premises
finds that Plaintiffs Motion for Change of Venue should be granted. The plaintiff further
authorizes the Clerk of Court to sign out on the docket for all costs advanced by the plaintiff
IT IS THEREFORE ORDERED, the above matter shall be transferred to the appropriate
Court for SAC County, Iowa.

___________________________________________
MAGISTRATE/JUDGE OF THE ABOVE COURT
Prepared and submitted by:
Pech, Hughes & McDonald, P.C.

652287

E-FILED 2014 OCT 10

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State of Iowa Courts

Type:

ORDER TO CHANGE VENUE

Case Number
SCCV029317

Case Title
MIDLAND FUNDING LLC VS BUAKHAI, DONAVIN
So Ordered

Electronically signed on 2014-10-10 17:45:58

page 2 of 2

E-FILED 2014 OCT 09

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Page 8 of 22

IN THE IOWA DISTRICT COURT FOR BUENA VISTA COUNTY

MIDLAND FUNDING LLC,

Plaintiff,

Case No. SCCV029317

v.
DONAVIN BUAKHAI

MOTION FOR CHANGE OF VENUE

Defendant(s).

COMES NOW the Plaintiff, by and through counsel, and in support of its Motion for
Change of Venue states:
1.

Plaintiff filed its Petition in the above matter in good faith on the belief that

Defendant resided in this county.

2.

Since then, Plaintiff has discovered that Defendant now resides at 101 E SOUTH
AVE, EARLY IA 50535., in SAC County.

3.

Plaintiff requests an Order transferring venue to the SAC County Court.

4.

The plaintiff further authorizes the Clerk of Court to sign out on the docket for all
costs advanced by the plaintiff.

WHEREFORE, Plaintiff requests the Court enter an Order transferring venue to the SAC
County Court.
October 9, 2014

/s/ Christopher E. Pech

Christopher E. Pech AT0006178
Pech, Hughes & McDonald, P.C.
P.O. Box 2165
Cedar Rapids, IA 52406
(319) 362-3000
Telephone:
(319) 362-3277
Facsimile:
ATTORNEY FOR PLAINTIFF

OFN 652287

*652287*

CFN 8562929433

YFN ************4049

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Page 10 of 22

IN THE IOWA DISTRICT COURT FOR BUENA VISTA COUNTY

MIDLAND FUNDING LLC,
Plaintiff's Name
c/o Pech, Hughes & McDonald, P.C.
Address
PO Box 2165, Cedar Rapids, IA 52406
(319) 362-3000
Vs.
DONAVIN BUAKHAI,
Defendants Name
309 W 2ND ST STORM LAKE IA 50588
Address
Defendants Name
Address
Defendant(s)

Original Notice and Petition

for a Money Judgment

To Defendant(s):
1. You are notified that the plaintiff(s) demand(s) from the defendant the amount of $608.11, plus the following incidental
charges: Interest in the amount of $.00, future interest at the statutory rate and costs. Total amount requested $608.11.
This demand is based on: the Defendant(s) became indebted to CREDIT ONE BANK, N.A. through a series of transactions;
CREDIT ONE BANK, N.A. thereupon submitted to Defendant(s) monthly statements of result the final one showing a
balance in their favor of $608.11, which Defendant(s) accepted and in which Defendant(s) acquiesced; Defendant(s)
impliedly agreed to pay said sum by retaining said statement without objection and this assured that sais sum would be paid;
the statement represents a final adjustment of the respective demands of each upon the other as to the whole account and to
all items thereon; CREDIT ONE BANK, N.A. assigned all right, title and interest in said account to Plaintiff, Plaintiff is the
owner of the account.
2. Judgment may be entered against you unless you file an Appearance and Answer within 20 days of the service of the
Original Notice upon you. Judgment may include the amount requested plus interest and court costs.
3. You must electronically file the Appearance and Answer using the Iowa Judicial Branch Electronic Document
Management System (EDMS) at https://www.iowacourts.state.ia.us/EFile, unless you obtain from the court an exemption
from electronic filing requirements.
4. If your Appearance and Answer is filed within 20 days and you deny the claim, you will receive electronic notification
through EDMS of the place and time of the hearing on this matter.
5. If you electronically file, EDMS will serve a copy of the Appearance and Answer on Plaintiff(s) or on the attorney(s) for
Plaintiff(s). The Notice of Electronic Filing will indicate if Plaintiff(s) is (are) exempt from electronic filing, and if you
must mail a copy of your Appearance and Answer to Plaintiff(s).
6. You must also notify the clerk's office of any address change.

/s/ Christopher E. Pech

Christopher E. Pech
Pech, Hughes & McDonald, P.C.
P.O. Box 2165
Cedar Rapids, IA 52406-2165
319/362-3000
iacourts@phmlawoffice.com

OFN 652287

*652287*

YFN ************4049

CFN 8562929433

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E-FILED 2014 AUG 01

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E-FILED 2014 AUG 01

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Department of Defense Manpower Data Center

Results as of : Jul-25-2014 12:36:53 PM

SCRA 3.0

Last Name: BUAKHAI

First Name: DONAVIN
Middle Name:
Active Duty Status As Of: Jul-25-2014
On Active Duty On Active Duty Status Date
Active Duty Start Date

Active Duty End Date

Status

Service Component

NA

NA

No

NA

This response reflects the individuals' active duty status based on the Active Duty Status Date

Left Active Duty Within 367 Days of Active Duty Status Date
Active Duty Start Date

Active Duty End Date

Status

Service Component

NA

NA

No

NA

This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date

The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date
Order Notification Start Date

Order Notification End Date

Status

Service Component

NA

NA

No

NA

This response reflects whether the individual or his/her unit has received early notification to report for active duty

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, 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.

Mary M. Snavely-Dixon, Director

Department of Defense - Manpower Data Center
4800 Mark Center Drive, Suite 04E25
Arlington, VA 22350

E-FILED 2014 AUG 01

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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. 501 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 via the
"defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PC09SLDR.html. 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. 521(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.

Certificate ID: QBY6BEFDM071Z10

CREDIT

ONE BANK

CREDIT

CARD

STATEMENT

Account Number
February 28, 2014 to February

049

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Page 17 of 22
SUMMARY
Previous

OF ACCOU

NT ACTIVITY

PAYMENT
$608_11

Balance

Payments

$0.00

$0.00

Cash Ad va nces

$0_00

Fees Charged

Interest

$0.00
$0.00

Charged

New Balance

Amount Due This Period

MIn Imum Payment
Due
Payment Due Date

$0.00

Available Credft

MJnlmum Payment Warnlng:

If you make only the minimum payment eac'1 pe,iod, you w!;i Day more
in inhsres1 and it \vili take yo~ !onger to payoff
your balance.

$0.00
02/28/14

Statement Closing Date

Days in Billing Cycle

3D

For example:

QUESTIONS?

CaB Customer Service or Report

a Lost or Stolen Credit

Please

1-877 -825-3242
1-702-405-2042

Card

the U_S_ Call

Outside

send biWng inquiries

P_O_ Box 98873,

Las Vegas,

and correspondence

$0,00
03/23114

Late Pctymerlf Warning:

If we do. not receive your minimum rsvmer,t by the date listed above,
you may have to pay a late fee up to $35,

$3DO_OO

Credit Limit

$0.00
$0,00
$0.00

Past Due Amount

$608_11

Other Credits

Purchases

tNFORMATtON

New Balance

If YOl}make no
additlenal charge-s
usmg this card end
each month you ?~.,.

You will payoff tile

balance shown en
the statement in
abcut..

Only the mini!T!um

payment

1 months

to:

And you will

end up paying
an esti mated
total 01."

$BOB.OO

NV 89193-8873
If you woulc iika a .ocation forcredil
cail1-800-515-572C,

counseling services.

TRANSACTIONS
Reference Number

F572700EBOO999990
F572700EBOO999990

Trans Date

PostDate

02./28
02./28

02i28
02i28

Dascription of Transaction or Credit

Amount

OFF ACCOUNT-PRINCIPALS
OFF ACCOUNT ;'FINANCE

CHARGE
CHARGE

-294.74
-313_37

CHARGES;'

Fees
TOTAL
Interest

TOTAL

II\ITEREST

2014 Totals
Total fees charged
Total interest

Percentage

Rate (APR)

FOR THIS PE RIOO

$70.00

$19,66

in 2014

is the annual

0.00
0.00
O.O{)

Year-to-Date

in 2014

charged

JNTEREST
Your Annual

O.O{)

FOR THIS PERIOD

Charged

lnterest Charge on Purchases

Interest Charge on Cash Advances

02128
02128

02/28
02/28

FEES

CHARGE
interest

CALCULATION

rate on your account

Balance Subject to
Annual Perr.::entage Rate (APR)
23.90%(\;':~

Type of Balance
Purchases
Cash Advances
(v)

= Variable

Interest

23_9D%(v)

Interest

Rate

$0,00

$0_00

$0.00

Rate

Z X PA.GE '1 of t

J6H

2 D

S727

PAY YOUR
Account

';ID20

BILL

M11!J

ONLINE

New Balance:

For address, tslephone ami email changes,

please check the box and complete the reverse sica.
Or, update )'our contact .nformation online
at '".""".",,'
_CreditOneBank_coM_

01Dl53&J

at CredUOneBank~com

Number:

Minimum

Charge

$0.00

$0,00

Payment

Due:

Payment Due Date:

AMOUNT

ENCLOSED:

$0.00

03/23/14

~$

"I,IIIIIII.I'IIIIIIIIII"'IIIIIIII'lIlllllIluI1111I'IIIIII'I'
CREDIT

ONE BANK

DONAVIN

PO BOX 60500

crrv

OF INDUSTRY

BUAKHAI

309'N2ND
CA 91716-0500

STORM

ST

LAKE

IA 50588-1701

111'plll'IIIII'lllpll,lulllllllulllll,III.IIIIIII111I111II

0000000 0000000 0000000

049

E-FILED 2014 AUG 01

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Page 18 of 22

EXEMPLAR

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Page 19 of 22

CREDIT ONE BANK

1. ANNUAL PERCENTAGE RATE (APR)

23.90%

Annual Membership Fee

$69 (*see explanation below)

Enrollment Fee (One-Time-Only)

$69

Grace Period for Repayment of the Balance for

Purchases

25 days from the date of your statement

if you paid the previous balance in full
by the payment due date

Method of Computing the Balance for Purchases

Average Daily Balance (including new

purchases)

Cash Advance Transaction Fee

$5.00 or 3% of the advance, whichever

is greater

Minimum Finance Charge

$0.50 for any billing cycle in which a

Finance Charge is due

Late Payment Fee

$29

Over Limit Fee

$29

Closed Account Maintenance Fee

$3 per month after account closure,

until paid in full

*The Annual Fee will be billed to the credit card account at $5.75 per month.

ENROLLMENT FEE AND ANNUAL FEE: A one-time-only Enrollment Fee of $69 will be
billed to your account when its opened. The Annual Membership Fee of $69 will be billed to
your account in monthly installments of $5.75 per month. These fees are not refundable unless
you cancel your account within 30 days of the date your account is opened and if you have not
used your account during this 30-day period.

AVAILABLE CREDIT INFORMATION: Your initial credit line can range from $200 to
$1,000. The above enrollment fee and first installment of the annual fee will be billed to your
account when it is opened and will reduce the amount of your initial available credit. If you

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Page 20 of 22

receive the minimum credit line of $200 your initial available credit will be $125.25.
AGREEMENT: In this Agreement the words I, me, and my mean the applicant. Bank means
Credit One Bank, N.A., located in Las Vegas, Nevada, its successors or assigns. I certify that I
am 18 years of age or older and that the information in this credit card application is true and
correct and is given in order to obtain credit. I authorize the Bank to check my credit report and
to verify and exchange credit information about me with third parties, including credit bureaus,
from time to time. I understand proof of income or other information may be requested from me
or others. I understand I must provide a valid Social Security number. I agree to provide
additional information as requested by the Bank from time to time. All information is subject to
verification. The Bank may retain such credit or other information whether or not I receive a
card. If this application is accepted and one or more credit cards are issued, I agree to pay all
charges incurred in accordance with the Disclosures and Terms and Conditions in this
Application, and the Cardholder Agreement, Disclosure Statement and Arbitration Agreement
(and any future amendments), which will be sent with my card. I understand the Bank maintains
the right to not open my VISA account if the information provided in this credit card application
is not complete, accurate or verifiable and/or if I have an open or unpaid account, or a pending
application, with the Bank. I understand that all of the Disclosures and Terms and Conditions in
this application are subject to change from time to time, at the sole discretion of the Bank, upon
notice to me as required by law.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW
ACCOUNT: Our bank complies with section 326 of the USA PATRIOT Act. This law
mandates that we verify certain information about you while processing your account application.
ARBITRATION AGREEMENT: You and we agree that either you or we may, without the
other's consent, require that any dispute between you and us be submitted to mandatory, binding
arbitration. A more detailed description of this arbitration agreement will be sent with your card.
TREATMENT OF CHECK PAYMENTS:When you send us a personal check, you authorize
us to process the check electronically. In addition, if a check we process in paper form is returned
to us by your bank unpaid, we may re-present the returned check electronically. We use
information from your check to electronically withdraw funds from your account. Funds may be
withdrawn as soon as the business day we receive your payment. Electronically processed checks
(and checks re-presented electronically) are not returned to you by your bank. However, Credit
One Bank retains an image of your electronically processed check in accordance with regulatory
record retention requirements. Credit One Bank will provide you with a copy of your
electronically processed check(s) upon request.
MINIMUM CREDIT LINE: $200
STATE NOTICES: Residents of New York, Vermont, and Maine - A credit report may be
obtained at any time for any legitimate purpose associated with the account including but not
limited to reviewing, modifying, renewing, and collecting on your account. Upon your request,
you will be informed whether or not a credit report was ordered, and if it was, you will be given
the name and address of the credit bureau that furnished the report. New York residents may

E-FILED 2014 AUG 01

02811
SCSC015517
- 2014
OCT 20OF
08:59
AM
SAC
E-FILED
3:59 AM
BUENA VISTA
- CLERK
DISTRICT
COURT
CLERK OF DISTRICT COURT
Page 21 of 22

contact the New York State Banking Department to obtain a comparative listing of credit card
rates, fees and grace periods. New York State Banking Dept. 1-800-522-3330. Residents of
Ohio - Ohio laws against discrimination require that credit be equally available to all worthy
customers and that credit reporting agencies maintain separate credit histories on each individual
upon request. The Ohio Civil Rights Commission administers compliance with this law.
Residents of California - A married person may apply for a separate account. As required by
law, you are hereby notified that a negative credit record may be submitted to a credit reporting
agency if you fail to fulfill the terms of your credit obligations.
ELIGIBILITY EXCLUSIONS: Residents of Wisconsin, U.S. Territories and APO/FPO
addresses are not eligible for this program.
BENEFITS & INSURANCE: Your VISA card carries benefits provided by VISA. For details,
see the VISA Benefits Package provided with your card. Certain limitations may apply.
CREDIT PROTECTION PROGRAM DISCLOSURES:
Program Description: The Credit Protection Program is an OPTIONAL supplemental feature of
your Credit One Bank credit card account. The Program cancels the payment due for the current
month, which is the greater of 4% of the Account balance for the current month or $20, up to a
maximum of (6) monthly payments if the primary cardholder becomes involuntary unemployed
or disabled. In the event of the primary cardholder's death, the account may be eligible for
balance cancellation, up to a maximum of $10,000.
Optional Feature: Whether or not you purchase Credit Protection will not affect your
application for credit or the terms of any existing credit agreement you have with the Bank.
Cost: The monthly Program Charge for Credit Protection is based on your account balance each
month multiplied by the unit-cost, which is $0.96 (96 cents) per $100, or part thereof.
Account Use Restrictions: If Credit Protection benefits are activated, you will be unable to
make charges on the credit card or use the credit line while you are receiving benefits.
Your Right to Cancel: You have the right to cancel Credit Protection at any time, for any
reason.
Our Right to Cancel: The Bank has the right to cancel Credit Protection, without notice, at any
time and for any reason, including but not limited to the following circumstances: If your account
is 60 days past due, your account is over limit by 20% or more, you file for bankruptcy, we
determine or have a reasonable belief that you have committed fraud on the account, or you are
approved for participation in one of our debt management programs.
Eligibility Requirements, Conditions and Exclusions: There are eligibility requirements,
conditions, and exclusions that could prevent you from receiving benefits under Credit
Protection. You will find a complete explanation of the eligibility requirements, conditions and
exclusions in the paragraphs 1.3, 2, 2.1, 2.2, 3.1, 3.2, 3.3, 4.1, 4.2, 4.4, 4.5, 5.2, 6.1, 6.2 and 6.3
of the Credit Protection Program Agreement.
BRIEF SUMMARY OF ADDITIONAL IMPORTANT TERMS:
Finance Charges accrue on unpaid balances while receiving benefits.
There is a 30-day waiting period from time of enrollment in the Program to be eligible for
benefits, except for Death benefits.
You must be disabled or unemployed for 30 days to be eligible for these benefits. The complete

E-FILED 2014 AUG 01

02811
SCSC015517
- 2014
OCT 20OF
08:59
AM
SAC
E-FILED
3:59 AM
BUENA VISTA
- CLERK
DISTRICT
COURT
CLERK OF DISTRICT COURT
Page 22 of 22

CREDIT PROTECTION PROGRAM AGREEMENT will be sent to you after your enrollment is
processed. Please read the Program Agreement carefully when you receive it.

E-FILED 2014 NOV 05 2:22 PM SAC - CLERK OF DISTRICT COURT

IN THE IOWA DISTRICT COURT FOR SAC COUNTY

MIDLAND FUNDING LLC,
Plaintiff's Name
c/o Pech, Hughes & McDonald, P.C.
Address
PO Box 2165, Cedar Rapids, IA 52406
(319) 362-3000
Vs.
DONAVIN BUAKHAI,
Defendants Name
101 E SOUTH AVE EARLY IA 50535
Address
Defendants Name
Address
Defendant(s)

AMENDED Original Notice and Petition

for a Money Judgment
Case No. SCSC015517

To Defendant(s):
1. You are notified that the plaintiff(s) demand(s) from the defendant the amount of $608.11, plus costs. This demand is
based on: the Defendant(s) became indebted to CREDIT ONE BANK, N.A. through a series of transactions; CREDIT ONE
BANK, N.A. thereupon submitted to Defendant(s) monthly statements of result the final one showing a balance in their favor
of $608.11, which Defendant(s) accepted and in which Defendant(s) acquiesced; Defendant(s) impliedly agreed to pay said
sum by retaining said statement without objection and this assured that sais sum would be paid; the statement represents a
final adjustment of the respective demands of each upon the other as to the whole account and to all items thereon; CREDIT
ONE BANK, N.A. assigned all right, title and interest in said account to Plaintiff, Plaintiff is the owner of the account.
2. Judgment may be entered against you unless you file an Appearance and Answer within 20 days of the service of the
Original Notice upon you. Judgment may include the amount requested plus interest and court costs.
3. You must electronically file the Appearance and Answer using the Iowa Judicial Branch Electronic Document
Management System (EDMS) at https://www.iowacourts.state.ia.us/EFile, unless you obtain from the court an exemption from
electronic filing requirements.
4. If your Appearance and Answer is filed within 20 days and you deny the claim, you will receive electronic notification
through EDMS of the place and time of the hearing on this matter.
5. If you electronically file, EDMS will serve a copy of the Appearance and Answer on Plaintiff(s) or on the attorney(s) for
Plaintiff(s). The Notice of Electronic Filing will indicate if Plaintiff(s) is (are) exempt from electronic filing, and if you must
mail a copy of your Appearance and Answer to Plaintiff(s).
6. You must also notify the clerk's office of any address change.

/s/ Christopher E. Pech

Christopher E. Pech
Pech, Hughes & McDonald, P.C.
P.O. Box 2165
Cedar Rapids, IA 52406-2165
319/362-3000
iacourts@phmlawoffice.com

OFN 652287

*652287*

YFN ************4049

CFN 8562929433

E-FILED 2015 FEB 04 9:14 AM SAC - CLERK OF DISTRICT COURT

IN THE IOWA DISTRICT COURT FOR SAC COUNTY

MIDLAND FUNDING LLC
Plaintiff(s)

Small Claims No. 02811 SCSC015517

vs.

Ninety Day Dismissal

DONAVIN THONGPHET BUAKHAI

Defendant(s)

Docket Event Code: DPND

This small claim has not been determined within ninety days following the expiration of any period
of continuance or following the last entry placed on the record. It is dismissed at the plaintiff(s) cost
without prejudice pursuant to 631.8(1) Code of Iowa.

Dated: February 4, 2015

/s/

Brenda McClure

Clerk of Court/Designee
SAC County, Iowa

Copy to: