Dennis Olivares v. State Farm Bank

Jones, Andrews & Ortiz Attorneys At Law A Professional Corporation 10100 Reunion Place, Suite 600 San Antonio, Texas 7821 6 Telephone 210/344-3900 Telecopy 210/366-4301 Writer's E-mail Address: ray@jao-law.com March 31, 2015 Mr. Keith E. Hottle Via Regular Mail Clerk of the Court Fourth Court of Appeals 300 Dolorosa Street, Suite 3200 cry San Antonio, Texas 78205-3037 :^^/-\. -o 50 Mr. Gerard C. "Gerry" Rickhoff Via-,Regtftar Mcph Bexar County Clerk 5 c^ V Bexar County Clerk's Office ,•- '?"' Z."^- 3 100 Dolorosa Street, Suite 104 "~ •* San Antonio, Texas 78205 •:] £& RE: Case No. 14-1067; Dennis Olivares v. State Farm Bank and Rausch, Sturm, Irael, Enerson & Hornik, In the Supreme Court of Texas. Case No. 04-14-00143-CV, In the FourthCourt of Appeals, San Antonio, Texas. Cause No. 370251, In the County Court at Law No. Two, BexarCounty, Texas. Dear Court Clerks: Enclosed please find for your records a copy of State Farm Bank, F.S.B.'s Response to Dennis Olivares' Petition for Review, which has been efiled with the Supreme Court of Texas. Thank you for your attention to this matter. Very truly yours /eh Enclosure F:\RRO\214-933\Correspondence\statecourt.ltr.033115.wpd -^ CC: Mr. Dennis Olivares Via Regular Mail 10935 Whisper Ridge San Antonio, Texas 78230 Ms. Yvonne Mikulik Via Regular Mail Law Office of Yvonne Mikulik 6060 North Central Expressway, Suite 500 Dallas, Texas 75206 Mr. Steve Ali "Steve" Javandoost Via Regular Mail Mr. Seung W. Chae Rausch, Sturm, Israel, Enerson & Hornik, LLC 15660 North Dallas Parkway, Suite 350 Dallas, Texas 75248 F:\RRO\214-933\Correspondence\statecourt.Itr.033115.wpd  CASE NO. 14-1067 IN THE SUPREME COURT OF TEXAS Dennis Olivares, %$KjI*i-.-.ii Petitioner, -_ -•"-< —r* V. -' \^ ryj-- --/\ i: . v* \ X» -•••* 2^ ~o ?0 •>cr-r; STATE FARM BANK AND -r. >** 1 PO RAUSCH, STURM, ISRAEL, ENERSON & HORNIK,Oo jNXkO^ 33» £-,b „ * *'"*t-%_^ ""^^r^N. 3 Respondents -» - ^W—- —— '"--/• « ^ C/l x i ' "'* "" •E- Petition from Case No. 04-14-00143-CV, in the Fourth Court of Appeals, San Antonio, Texas, and Cause No. 370251, in the County Court at Law No. Two, Bexar County, Texas STATE FARM BANK, F.S.B.'S RESPONSE TO DENNIS OLIVARES' PETITION FOR REVIEW Ray R. Ortiz / State Bar No. 15324280 John Sudyka / State Bar No. 19463400 JONES, ANDREWS & ORTIZ, P.C. 10100 Reunion Place, Suite 600 San Antonio, Texas 78216 Telephone: (210) 344-3900 Facsimile: (210)366-4301 ATTORNEYS FOR STATE FARM BANK, F.S.B.  CASE NO. 14-1067 IN THE SUPREME COURT OF TEXAS Dennis Olivares, Petitioner, V. STATE FARM BANK AND RAUSCH, STURM, ISRAEL, ENERSON & HORNIK, Respondents Petition from Case No. 04-14-00143-CV, in the Fourth Court of Appeals, San Antonio, Texas, and Cause No. 370251, in the County Court at Law No. Two, Bexar County, Texas STATE FARM BANK, F.S.B.'S RESPONSE TO DENNIS OLIVARES' PETITION FOR REVIEW Ray R. Ortiz / State Bar No. 15324280 John Sudyka / State Bar No. 19463400 JONES, ANDREWS & ORTIZ, P.C. 10100 Reunion Place, Suite 600 San Antonio, Texas 78216 Telephone: (210) 344-3900 Facsimile: (210) 366-4301 ATTORNEYS FOR STATE FARM BANK, F.S.B.  IDENTITY OF PARTIES AND COUNSEL Petitioner: Dennis Olivares Petitioner's Counsel: Dennis Olivares Acting Pro Se 10935 Whisper Ridge San Antonio, Texas 78230 210-492-1439 Telephone 210-492-1439 Telecopy Respondent (or Bank): State Farm Bank, F.S.B. Respondent's (or Bank's) Ray R. Ortiz Counsel in this Court: John Sudyka Jones, Andrews & Ortiz, P.C. 10100 Reunion Place, Suite 600 San Antonio, Texas 78216 Telephone: (210) 344-3900 Facsimile: (210) 366-4301 Respondent's (or Bank's) Steve Ali "Steve" Javandoost Counsel in the Trial Court: Seung W. Chae Michael R. Castro Nathanial D. Kitz , Lourdes R. Slinsky Christina S. Mitchell Michael J. Garza Kelvina Wiley Michael Young Rausch, Sturm, Israel, Enerson & Hornik, LLC 15660 North Dallas Parkway, Suite 350 Dallas, Texas 75248 .877-689-7966 Telephone 866-456-3744 Toll Free Telephone 877-492-5185 Telecopier  TABLE OF CONTENTS Identity of Parties and Counsel i Table of Contents ii Index of Authorities iv Record, Exhibit, Docket, and Appendix References vi Statement of the Case vii Statement of Jurisdiction viii Issues Presented ix Reasons to Refuse Review 1 Statement of Facts 4 Summary of the Argument 8 Argument 11 I. Petitioner was provided with the clerk's and reporter's records free of charge for purposes of his appeal from the summary judgment granted to the Bank and Local Rule 7.2(b) established reasonable safeguards relating to Petitioner's access to those records 11 II. The Court of Appeals correctly dismissed Petitioner's appeal because, despite having access to the free-of-charge clerk's and reporter's records at the Court of Appeals' offices and despite several extensions of time and notices to do so, Petitioner failed to file a briefcomplying with Rule 38.1(g) of the Texas Rules of Appellate Procedure 15 III. The Trial Court correctly granted summary judgment to the Bank as it presented competent, uncontro verted evidence conclusively proving (a) the existence of a valid contract between the Bank and Petitioner, (b) ii  performance or tendered performance by the Bank pursuant to the contract, (c) breach of the contract by Petitioner, and (d) damages sustained by the Bank as a result of Petitioner's breach 17 Conclusion and Prayer . 19 Certificate of Compliance 20 Certificate of Service 21 Appendix Tabs 1 - 9 m  INDEX OF AUTHORITIES Cases State Farm Bank v. Olivares, No. 370251 (Bexar County Court at Law No. Two, Order on Plaintiffs Amended Motion for SummaryJudgment, filed May 8, 2014), appeal dism'd, Olivares v. State Farm Bank, No. 14-00143-CV, 2014 WL 5649794 (Tex. App. - San Antonio Nov. 5, 2014, pet. filed) (not designated for publication) vii Olivares v. State Farm Bank, No. 14-00143-CV, 2014 WL 5649794 (Tex. App. - San Antonio Nov. 5, 2014, pet. filed) (not designated for publication) vii, 2, 7, 9, 16 In re C.H.C., 331 S.W.3d426 (Tex. 2011) viii, 8, 11, 19 Barnes v. First Victoria National Bank, 878 S.W.2d 666 (Tex. App. - Corpus Christi 1994, no pet.) 2, 9, 12, 13, 14 Boiling v. Farmers Branch Independent School District, 315 S.W.3d 893 (Tex. App.-Dallas 2010, no pet.) 2, 3, 9, 15, 16 Wakefield v. Wells Fargo Bank, N.A., 2013 WL 4414826 (Tex. App. - Houston [14th Dist] Nov. 14, 2013, no pet.) (not designated for publication) 3, 10, 18 Webster v. Allstate Insurance Co., 833 S.W.2d 747 (Tex. App. -Houston [1st Dist] 1992, no pet.) 5, 17 Quanaim v. Frasco Restaurant & Catering, 17 S.W.3d 30 (Tex. App. - Houston 14th Dist. 2000, pet. denied) 10, 18 In re Guardianship of Olivares, 2008 WL 5206169 (Tex. App. - Amarillo Dec. 12, 2008, pet. denied) (not designated for publication) 14 Mansfield State Bank v. Cohn, 573 S.W.2d 181 (Tex. 1978) ' 15 IV Mitchell v. Dallas County, 2014 WL 7685422 (Tex. App. - Dallas Dec. 18, 2014, no pet.) (not designated for publication) 15 Strange v. Continental Casualty Co., 126 S.W.3d 676 (Tex. App. - Dallas 2004, pet. denied), cert, denied, 543 U.S. 1076 (2005) 15 Strachan v. FIA Card Services, 2011 WL 794958 (Tex. App. - Houston [14th Dist.] March 8, 2011, pet. denied) (not designated for publication) 18 Keenan v. Gibraltar Savings Association, 754 S.W.2d 392 (Tex. App. - Houston [14th Dist.] 1988, no writ) 18 Life Insurance Co. of Virginia v. Gar-Dai, Inc., 570 S.W.2d 378 (Tex. 1978) 18 Rules and Statutes 4th TEX. APP. (SAN ANTONIO) LOC. R. 7.2(b) 1, 8, 12 TEX. GOV'T CODE ANN. § 51.204(a)(1) (Vernon 2015) 1,11 TEX. R. APP. P. 12.3 1, 11 TEX. R. APP. P. 38.1(g) 2, 9, 15 TEX. R. APP. P. 42.3 3, 9, 15, 16 TEX. GOV'T CODE ANN. § 22.004(a) (Vernon 2015) 12 TEX. R. APP. P. 1.2 12 TEX. R. CIV. P. 3a 12 TEX. R. CIV. P. 7 15 Other Authorities 4th TEX. APP. (SAN ANTONIO) LOC. R., OrderAdopting Local Rules . 1,12 v  RECORD, EXHIBIT, DOCKET, AND APPENDIX REFERENCES If and where applicable: References to the Clerk's Record are in the form "CR Vol.[ #], P. [ #]." References to the Reporter's Record are in the form "RR Vol. [ #], P. [#]." References to Petitioner's Exhibits are in the form "PX [#]." References to the Bank's Exhibits are in the form "BX [#]." References to the Documents filed with and indexed on the dockets of the Court ofAppeals and Supreme Court (which are incorporated herein and made a part of this Response) are in the form "4th CT. DKT., DOC. [name], filed [date]"1 or "SUP. CT. DKT., DOC. [name], filed [date]"2, respectively. References to the Exhibits contained in the Appendix attached to, incorporated in, and made a part of this Response are in the form "Appx. [#]." 1The docketof the Court ofAppealsfor the underlying appellatecasefor whichPetitioner is seeking review and the documents filed in the appellate case are available at http://www.search.txcourts,gov/Case.aspx?cn=04-14-00143-CV&coa=coa04. For purposes of brevity, references to "4™ CT. DKT., DOC. [name] filed [date]" do not include the internet website at which the docket or document may be seen. 2The docket of the Supreme Court for this case and the documents filed in this case are availableathttp://www.search.txcourts.gov/Case.aspx?cn=14-1067&coa=cossup. Forpurposesof brevity, references to "SUP. CT. DKT., DOC. [name] filed [date]" do not include the internet website at which the docket or document may be seen. vi  STATEMENT OF THE CASE Nature of the Case The Bank sued Petitioner for breach of contract arising and Parties: from Petitioner's default on a credit card account. Trial Court: Honorable Jason W. Wolff, County Court at Law No. Two, Bexar County, Texas. Trial Court's Disposition: The Trial Court granted summary judgment to the Bank. State Farm Bank v. Olivares, No. 370251 (Bexar County Court at Law No. Two, Order on Plaintiff's AmendedMotionfor Summary Judgment, filed May 8,2014), appeal dism'd, Olivares v. State Farm Bank, No. 14-00143-CV, 2014 WL 5649794 (Tex. App. - San Antonio Nov. 5, 2014, pet. filed) (not designated for publication); CR Vol. 1, P. 444; Appx. 1. Court of Appeals: Fourth Court of Appeals, San Antonio, Texas (per curiam opinion). Court of Appeals' The Court ofAppeals, on its own initiative, dismissed Disposition: Petitioner's appeal because, despite several extensions of time and notices to do so, Petitioner failed to file a briefcontaining citations to the clerk's and reporter's records in the statement of facts and arguments sections of his brief. Olivares v. State Farm Bank, No. 14-00143-CV, 2014 WL 5649794 (Tex. App. - San Antonio Nov. 5, 2014, pet. filed) (not designated for publication); Appx. 2. VI1  STATEMENT OF JURISDICTION This Court does not have jurisdiction under section 22.001(a)(6) of the Texas Government Code. The Court of Appeals, on its own initiative, correctly dismissed Petitioner's appeal because, despite having access to the clerk's record and reporter's records provided to Petitioner free of charge at the offices of the Court of Appeals in accordance with its Local Rule 7.2(b) and despite several extensions of time and notices to do so, Petitioner failed to file an appellate briefcontaining proper citations to the clerk's and reporter's records in accordance with Rule 38.1(g) of the Texas Rules of Appellate Procedure. This case does not conflict with In re C.H.C, 331 S.W.3d 426 (Tex. 2011). For this and other reasons, this Court should not exercise its discretionary jurisdiction in this instance. vm  ISSUES PRESENTED 1. Is it reasonable that Petitioner, who admits in his self-styled "Appellant's Affidavit of Inability to Pay Appeal Costs" that he is able to pay the costs of "filing (gasoline [and] parking)[,] [p]leadings[,] and showing up for hearings" and who does not identify any specific physical or mental disability or impairment preventing him from doing so, has to inspect the clerk's and reporter's records (which were prepared without charge to Petitioner) at the offices of the Court of Appeals in accordance with its Local Rule 7.2(b)? 2. Did the Court of Appeals properly dismiss Petitioner's appeal because Petitioner, despite having access to the free-of-charge clerk's and reporter's records at the Court ofAppeals' offices and despite several extensions oftime and notices to do so, failed to file an appellate briefcontaining proper citations to the clerk's and reporter's records in accordance with Rule 38.1(g) of the Texas Rules of Appellate Procedure? 3. Did the Trial Court properly grant summaryjudgment to the Bank where (a) the Bank presented competent evidence conclusively establishing (i) the . existence of a valid contract between the Bank and Petitioner, (ii) performance or tendered performance by the Bank pursuant to the contract, (iii) breach of the contract by Petitioner, and (iv) damages sustained by the Bank as a result of Petitioner's breach; and (b) Petitioner failedto offeranysummary-judgment proof to create a genuine issue of material fact as to his obligation? ix  REASONS TO REFUSE REVIEW For purposes of Petitioner's appeal to the Court of Appeals of the summary judgment granted by the Trial Court, Petitioner requested that the clerk's and reporter's records relating to the Trial Court's proceedings be prepared and sent to the Courtof Appeals. See4th CT. DKT., DOC. Appellant's Affidavit ofInability to Pay Appeal Costs filed March 11, 2014; CR. Vol. 1, P. 303; Appx. 3. The records were prepared and sent to the Court of Appeals without charge to Petitioner. See 4th CT. DKT., DOC. Clerk's notice regarding receipt ofReporter's Record filed June 9, 2014; Clerk's notice regarding receipt, ofReporter'sRecord filed June 11, 2014; & Clerk's notice regarding receipt of Clerk's Record filed June 24, 2014. Rule 7.2(b) of the Local Rules of the Fourth Court of Appeals specifies that, unless otherwise ordered, "[p]arties who are representing themselves and are not licensed attorneys may inspect a record only in designated areas within the Court's offices." See 4th TEX. APP. (SAN ANTONIO) LOC. R. 7.2(b) at http://www.txcourts.gov/4thcoa/practice-before-the-court/local-rules.aspx; see also TEX. GOV'T CODE ANN. 51.204(a)(1) (Vernon 2015) (clerk of court of appeals "shall... file and carefully preserve records certified to the court and papers relative to the record"); TEX. R. APP. P. 12.3 ("[appellate] clerk must safeguard the record and every other item filed in a case"). The Local Rules of the Fourth Court of Appeals were adopted with the permission of this Court and the Texas Court of Criminal Appeals. See 4th TEX. APP. (SAN ANTONIO) LOC. R, Order Adopting Local 1 Rules, at http://www.txcourts.gov/4thcoa/practice-before-the-court/local-rules.aspx. Petitioner had access to the clerk's and reporter's records at the Court of Appeals' offices. See 4th CT. DKT., DOC. Order filed September 19, 2014; Appx. 4. In his self-styled "Appellant's Affidavit of Inability to Pay Appeal Costs," Petitioner admits on page 1 that he is able to pay the costs of "filing (gasoline [and] parking)[,] [p]leadings[,] and showing up for hearings." See 4th CT. DKT., DOC. Appellant's AffidavitofInability to Pay Appeal Costs filed March 11,2014; CR. Vol. 1, P. 303; Appx. 3. He does not allege any specific physical or mental disability or impairmentpreventing him from being able to appear at the Court ofAppeals' offices to examine the clerk's or reporter's records. See id.; Appx. 3. Absent some special circumstance that wouldmake on-premisesinspectionimpossibleor impracticable, the safeguards set out in Local Rule 7.2(b) are reasonable. See Barnes v. First Victoria NationalBank, 878 S.W.2d 666, 667 (Tex. App. - Corpus Christi 1994, no pet.). Further, an appellant such as Petitioner has an obligation under the Texas Rules ofAppellate Procedure to file a briefcontaining recordreferences to support his, her, or its statement of the case. See Boiling v. Farmers Branch Independent School District, 315 S.W.3d 893, 895 (Tex. App. - Dallas 2010, no pet.); see also TEX. R. APP. P. 38.1(g). Here, despite having access to the clerk's and reporter's records and despite several extensions oftime and notices to do so, Petitioner failedto file a briefcontaining appropriate citations to the clerk's and reporter's records. See Olivares v. State Farm Bank, 2014 WL 5649794, at *1 (Tex. App. - San Antonio Nov. 5,2014, pet. filed) (not designated for publication); Appx. 2. The Court of Appeals therefore correctly dismissed Petitioner's appeal ofthe Trial Court's summary judgment ruling. See Boiling v. Farmers Branch Independent School District, 315 S.W.3d 893, 897 (Tex. App. - Dallas 2010, no pet); see also TEX. R. APP. P. 42.3. In addition, the amended summaryjudgment motion filed in the Trial Court by the Bank included proofshowing (a) the existence ofa valid contract between the Bank and Petitioner, (b) perfonnance or tender ofperformance by the Bank under the contract, (c) Petitioner's breach ofthe contract, and (d) the damages sustained by the Bank as a result ofPetitioner's breach ofthe contract. CR Vol. 1,P. 314;Appx. 5. WhilePetitionerfiled an untimely response to the Bank's amended motion for summaryjudgment3, he did not attach any affidavit or summary-judgment evidence. CR Vol. 1. P. 407: Appx. 8. As such, Petitioner's response did not raise a genuine issue of material fact as to his obligation and the Trial Court correctly granted summary judgment to the Bank. See Wakefield v. Wells Fargo Bank, N.A., 2013 WL 4414826, at *4 (Tex. App. - Houston [14th Dist.] Nov. 14, 2013, no pet.) (not designated for publication). This Court should accordinglyTefuse review. 3Petitioner's response was filed without leave of the Trial Court on May 5, 2014, which was three (3) days before the scheduled May 8, 2014 hearing on the Bank's amended summary judgment hearing. CR Vol. 1, P. 433; Appx. 6. According to the records obtained directlyfrom the Bexar County Clerk's Office, the Trial Court ordered on May 8, 2014, that Petitioner's late-filed response be struck. Appx. 7. The clerk's record sent to the Court of Appeals does not, however, contain a signed counterpart oftheTrialCourt's Orderto StrikeDefendant's Response to Plaintiffs Motionfor Summary Judgment. Subject to and without waiver of the Bank's right to seek supplementation of the clerk's record, this brief will therefore proceed as if Petitioner's late-filed response had not been so stricken.  STATEMENT OF FACTS Respondent State FarmBank, F.S.B. ("Respondent" or "Bank") brought Cause No. 370251 against Petitioner Dennis Olivares ("Petitioner") in the Bexar County Court at Law No. Two ("Trial Court") for breach of contract arising out of Petitioner's default on a credit card account. CR Vol. 1, P. 11. The Bank filed an amended summary judgment motion and the hearing on the motion was set for May 8,2014. CR Vol. 1, P. 314 & 433; Appx. 5 & 6. In support of its amended summary judgment motion, the Bank attached a Business Records Affidavit and some fifty-two (52) pages of records showing the existence ofa valid contract between the Bank and Petitioner, performanceor tendered performanceby the Bank pursuant to the contract, Petitioner's breach ofthe contract, and the damages sustained by the Bank as a result of Petitioner's breach. CR Vol. 1, P. 314; Appx. 5. Petitioner submitted without leave of the Trial Court an untimely response to the Bank's amended summaryjudgment motion on May5,2014, whichwasthree (3) days before the scheduled May 8, 2014 summaryjudgment hearing4. CR Vol. 1, P. 407 & 433; Appx. 6 & 8. No affidavit or summary-judgment evidence was attached 4As mentioned, according to the records obtained directlyfrom the Bexar County Clerk's Office, the Trial Courtordered on May 8,2014, that Petitioner's late-filedresponsebe struck. Appx. 7. The clerk's record sent to the Court of Appeals does not, however, contain a signed counterpart of the Trial Court's Order to Strike Defendant's Response to Plaintiffs Motion for Summary Judgment. Subject to and without waiver of theBank's right to seeksupplementation ofthe clerk's record, this brief proceeds as if Petitioner's late-filed response had not been so stricken. to Petitioner's response5. CRVol. 1. P. 407: Appx. 8: & CR Vol. 1,P. 115. On May 8,2014, the Trial Court granted the Bank's amended motion for summaryjudgment. CRVol. 1. P. 444: Appx. 1. Petitioner, albeit prematurely, filed an appeal of Cause No. 370251 with the Fourth Court of Appeals ("Court of Appeals) on March 3, 2014. 4th CT. DKT., DOC. Defendant's Notice ofAppeal filed March 3, 2014. He filed his "Appellant's Affidavit ofInability to Pay Appeal Costs" on March 11,2014, in which he asked that the clerk's and reporter's records be prepared without cost to him. 4th CT. DKT., DOC. Appellant's Affidavit ofInability to Pay Appeal Costs filed March 11, 2014; CR. Vol. 1, P. 303; Appx. 3. In his Affidavit, Petitioner admitted on page 1 that he was able to pay the costs of "filing (gasoline [and] parking)[,] [p]leadings[,] and showing up for hearings" and he did not identify any specific physical disability or impairment preventing him from being able to appear at the Court ofAppeals' offices to examine the clerk's or reporter's records. Id.: Appx. 3. The clerk's and reporter's records were prepared at no cost to Petitioner and sentto the Court ofAppeals on June 9,11, and24,2014, respectively. 4th CT. DKT., DOC. Clerk's notice regarding receipt of Reporter's Record filed June 9, 2014; 5Although Petitioner's late-filed response refers on page 4 to "the Affidavit attached to Defendant's Original Opposition/Objection to Summaryjudgment," there was no such "Affidavit." CR Vol. 1, P. 115. Petitioner appears to be equating a verified response with an affidavit, which it is not. See Webster v. Allstate Insurance Co., 833 S.W.2d 747,749 (Tex. App. - Houston [1st Dist] 1992, no pet.). Clerk's notice regarding receipt ofReporter's Record filed June 11,2014; & Clerk's notice regarding receipt ofClerk's Record filed June 24, 2014. After extensions of time to do so, Petitioner filed his initial appellate briefon August 12, 2014. 4™ CT. DKT., DOC. Appellant's Initial Brief'filed August 12,2014. On August 14,2014, the Court ofAppeals, on its own initiative, observed that no citations to the clerk's or reporter's records were contained in the statement of facts and arguments sections of Petitioner's brief. 4th CT. DKT., DOC. Order filed August 14, 2014; Appx. 9. The Court of Appeals therefore ordered that Petitioner's brief be stricken from the appellate record and that Petitioner file by September 15, 2014, an amended brief complying with Rule 38.1(g) and (i) of the Texas Rules of Appellate Procedure. Id.; Appx. 9. On September 13,2014, Petitioner filed a motion requesting copies ofthe clerk's and reporter's records. 4th CT. DKT., DOC. Appellant's Motion for Release of Transcripts toAnnotateInitial Brief'filed September 13,2014. In his motion, Petitioner acknowledged that he had been informed that he had to review the records in the offices ofthe Court ofAppeals pursuant to Local Rule 7.2(b). Id. & PX 2 attached to same. He againdid not identifyanyspecificphysicaldisabilityorimpairment preventinghimfrom being able to appear at the Court ofAppeals' offices to examinethe clerk's or reporter's records (nor did he explain why he could not take a bus, ride a bicycle, or solicit a ride from someone to travel to the Court of Appeals' offices). Id.  The Court of Appeals denied Petitioner's motion on September 19, 2014, and ordered that he file an amended brief containing appropriate record citations by October 3, 2014. 4th CT. DKT, DOC. Order filed September 19, 2014; Appx. 4. The Court of Appeals additionally warned Petitioner that, if he did not do so, his appeal would be dismissed for failure to comply the Court of Appeals' order. Id.; Appx. 4. Petitioner did not file an amended brief containing appropriate record references in the statement of facts and arguments sections ofhis briefby the October 3, 2014 deadline. Because Petitioner did not comply with the Court of Appeals' order, his appeal was dismissed on November 5,2014. Olivares v. State Farm Bank, 2014 WL 5649794, at *1 (Tex. App. - San Antonio Nov. 5, 2014, pet. filed) (not designated for publication); Appx. 2. Thereafter, on December 22, 2014, Petitioner filed his petition seeking this Court's review of the Court of Appeals' dismissal ruling. SUP. CT. DKT, DOC. Petition for Review filed December 22, 2014. 7  SUMMARY OF THE ARGUMENT Petitioner seeks review of the Court ofAppeals' November 5, 2014 dismissal order, contending that it conflicts with this Court's decision in In re C.H.C, 331 S.W.3d 426 (Tex. 2011). It does not. Petitioner's contentions are disingenuous and misplaced because: 1. Petitioner was provided with the clerk's and reporter's records for purposes of his appeal at no charge. See 4th CT. DKT, DOC. Clerk's notice regarding receipt of Reporter's Record filed June 9, 2014; Clerk's notice regarding receipt ofReporter's Record filed June 11, 2014; & Clerk's notice regarding receipt of Clerk's Record filed June 24, 2014. The records were maintained by the Clerk of the Court of Appeals and Petitioner had access to them at the offices of the Court of Appeals in accordance with its Local Rule 7.2(b). See 4th TEX. APP. (SAN ANTONIO) LOC. R. 7.2(b) at http://www.txcourts.gov/4thcoa/ practice-before-the-court/local-rules aspx. 2. In his self-styled "Appellant's Affidavit of Inability to Pay Appeal Costs," Petitioner admits on page 1 that he is able to pay the costs of "filing (gasoline [and] parking)[,] [p]leadings[,] and showing up for hearings." See 4™ CT. DKT, DOC. Appellant's Affidavit ofInability toPay Appeal Costs filed March 11,2014; CR. Vol. 1, P. 303; Appx. 3. He does not allege any specific physical disability or impairment 8  preventing him from being able to appear at the Court of Appeals' offices to examine the clerk's or reporter's records. Id.; Appx. 3. Absent some special circumstance that would make on-premises inspection impossible or impracticable, the safeguards set out in Local Rule 7.2(b) are reasonable. See Barnes v. First Victoria National Bank, 878 S.W.2d 666, 667 (Tex. App. - Corpus Christi 1994, no pet.). 3. Petitioner has an obligation under the Texas Rules of Civil Procedure to file a brief containing record references to support his, her, or its statement of the case. See Boiling v. Farmers Branch Independent School District, 315 S.W.3d 893,895 (Tex. App. - Dallas 2010, no pet.); see also TEX. R. APP. P. 38.1(g). Here, despite having access to the clerk's and reporter's records (which were prepared and sent to the Court of Appeals without charge to Petitioner) and despite several extensions of time and notices to do so, Petitioner failed to file a brief containing appropriate citations to the clerk's and reporter's records. See Olivares v. StateFarm Bank, 2014 WL 5649794, at *1 (Tex. App. - San Antonio Nov. 5, 2014, pet. filed) (not designated for publication); Appx. 2. The Court ofAppeals therefore correctly dismissed Petitioner's appeal ofthe Trial Court's summaryjudgment ruling. See Boiling v. FarmersBranch Independent School District, 315 S.W.3d 893, 897 (Tex. App. - Dallas 2010, no pet.); see also TEX. R. APP. P. 42.3.  4. The amended summaryjudgment motion filed in the Trial Court by the Bank included proof showing (a) the existence of a valid contract between the Bank and Petitioner, (b) performance or tender of performance by the Bank under the contract, (c) Petitioner's breach of the contract, and (d) the damages sustained by the Bank as a result of Petitioner's breach of the contract. CR Vol. 1, P. 314; Appx. 5. Petitioner, without leave of the Trial Court, submitted an untimely response totheBank'samended summaryjudgment motion6 thatdid not include any affidavit or summary-judgment evidence. CR Vol. 1, P. 407; Appx. 8. As such, Petitioner's response did not raise a genuine issue of material fact as to his obligation and the Trial Court correctly granted summaryjudgment to the Bank. See Wakefield v. Wells Fargo Bank, N.A., 2013 WL 4414826, at *4 (Tex. App. - Houston [14th Dist.] Nov. 14, 2013, no pet.) (not designated for publication); see also Quanaim v. Frasco Restaurant & Catering, 17 S.W.3d 30, 42 (Tex. App. - Houston 14th Dist. 2000, pet. denied). 6As previously noted, Petitioner's response was filed without leave of the Trial Court on May 5, 2014, which was three (3) days before the scheduled May 8, 2014 hearing on the Bank's amended summaryjudgment hearing. CR Vol. 1, P. 433; Appx. 6. The records obtained directly from the Bexar County Clerk's Office indicate that the Trial Court ordered on May 8, 2014, that, Petitioner's late-filed response be struck. Appx. 7. A signed counterpart of the Trial Court's Order to Strike Defendant's Response to Plaintiffs Motion for Summary Judgment is not at this time included in the clerk's record sent to the Court ofAppeals, however. Given this, and subject to and without waiver ofthe Bank's right to seek supplementation of the clerk's record, this briefproceeds as if Petitioner's late-filed response had not been so stricken. 10  ARGUMENT I. Petitioner was provided with the clerk's and reporter's records free of charge for purposes ofhis appeal from the summary judgment granted to the Bank and Local Rule 7.2(b) established reasonable safeguards relating to Petitioner's access to those records. It is undisputed that the clerk's and reporter's records were prepared and sent to the Courtof Appeals free ofchargeto Petitioner. See4th CT. DKT, DOC. Clerk's notice regarding receipt of Reporter's Record filed June 9, 2014; Clerk's notice regarding receipt of Reporter's Record filed June 11, 2014; & Clerk's notice regarding receipt of Clerk's Record filed June 24, 2014. This comports with this Court's pronouncement in In re C.H.C, 331 S.W.3d 426,429 (Tex. 2011) regarding an indigent party's right to a free record for purposes of an appeal. It is also undisputed that Petitioner was informed by the Court ofAppeals that he must review the records at the offices of the Court of Appeals pursuant to its Local Rule 7.2(b). See 4th CT. DKT, DOC. Order filed September 19, 2014; Appx. 4. The Clerk of the Court of Appeals is, by statute and by rule, assigned the duty to protect the record and every item filed in a case. See TEX. GOV'T CODE ANN. 51.204(a)(1) (Vernon 2015) (clerk of court of appeals "shall ... file and carefully preserve records certified to the court and papers relative to the record"); TEX. R. APP. P. 12.3 ("[appellate] clerk must safeguard the record and every other item filed in a case"). In furtherance of this duty, Local Rule 7.2(b) specifies that, unless otherwise ordered, "[p]arties who are representing themselves and are not licensed 11 attorneys may inspect a record only in designated areas within the Court's offices." See 4th TEX. APP. (SAN ANTONIO) LOC. R. 7.2(b) at http://www.txcourts.gov/4thcoa/practice-before-the-court/local-rules.aspx. Local Rule 7.2(b) was adopted by the Court of Appeals with the permission of this Court and the Texas Court of Criminal Appeals. See 4th TEX. APP. (SAN ANTONIO) LOC. R, Order Adopting Local Rules, at http://www.txcourts.gov/4thcoa/practice- before-the-court/local-rules.aspx. Courts may establish rules that govern the prosecution of appeals so long as they are reasonable and do not amount to a denial ofjustice. See, e.g., TEX. GOV'T CODE ANN. § 22.004(a) (Vernon 2015) (supreme court invested with rule-making power in practice and procedure in civil actions but rules may not abridge, enlarge, or modify litigant's substantive rights); TEX. R. APP. P. 1.2 (appellate court may, with permission ofsupreme court, promulgate local rules not inconsistent with Texas Rules of Appellate Procedure); TEX. R. CIV. P. 3a (judicial regions and district, county, and probate courts may, with permission of supreme court, make local rules not inconsistent with Texas Rules of Civil Procedure or rules of administrative judicial region where court located). Absent some special circumstance that would make on-premises inspection by Petitioner of the clerk's and reporter's records impossible or impracticable, the safeguards set out in Local Rule 7.2(b) are reasonable. See Barnes v. First Victoria National Bank, SIS S.W.2d 666, 667 (Tex. App. - Corpus Christi 1994, no pet.). 12  The Barnes decision dealt with a situation substantially identical to that presented in this case. There, notice was given by the appellate court to a pro se petitioner, Ms. Carolyn Barnes, that her appeal would be dismissed if she did not file a response showing grounds for continuing her appeal in light ofher failure to comply with the trial court's order increasing bond. Ms. Barnes submitted a motion to check out the appellate record and a motion for additional time to file a response. In her motion, Ms. Barnes contended that a denial ofher request to check out the record amounted to a denial ofher right to adequately respond to the notice of intent to dismiss her appeal. The Corpus Christi Court of Appeals denied Ms. Barnes' motion, explaining: ... [T]he [Texas Rules ofAppellate Procedure] are silent concerning the restrictions which an appellate court may place on such possession, especially by a non-attorney, who is not an officer of the court subject to the same rules and standards of scrutiny as an attorney. Accordingly, this Court has followed the policy of allowing pro se parties to inspect the transcript only on the premises of the Court. Appellant [Ms. Barnes] has not alleged that she is unable to adequately inspect the transcript on the premises of this Court, nor has she alleged any specific disability to her being physically present at the Court for such an inspection. In the absence ofsome special circumstance that would make on-premises inspection impossible or impractical, this Court's policy is reasonable. Accordingly, appellant's motion to check out the transcript is denied. See Barnes, 878 S.W.2d at 667. Here, Petitioner admitted on page 1 of his "Appellant's Affidavit of Inability to Pay Appeal Costs" that he is able to pay the costs of "filing (gasoline [and] parking)[J [p]leadings[,] and showing up for hearings." See 4th CT. DKT, DOC. Appellant's Affidavit ofInability toPayAppealCosts filed March 11,2014; CR. Vol. 13 1, P. 303; Appx. 3. Petitioner did not allege any specific physical disability or impairment preventing him from being able to appear at the Court ofAppeals' offices to examine the clerk's or reporter's records (nor did he even attempt to explain why he would have been unable to take a bus, use a bicycle, or solicit a ride from someone to travel to the offices ofthe Court of Appeals sometime during the eighty-three [83] day period between August 14, 2014, when the Court of Appeals notified Petitioner that he needed to file an appellate briefcontaining appropriate record references, and November 5, 2014, the date on which the Court of Appeals dismissed Petitioner's appeal because he failed to file a compliant brief). See id.; Appx. 3: cf. In re Guardianship ofOlivares, 2008 WL 5206169, at *2 (Tex. App. - Amarillo Dec. 12, 2008, pet. denied) (not designated for publication) (referring to Petitioner and stating fact-finder could reasonably conclude "[Mr.] Olivares has the ability to earn wages and care for himself... [but] opted to live offhis potentially incapacitated mother and expend her finite estate for his own benefit"). While Petitioner, as a claimed indigent, may be entitled to have the clerk's and reporter's records prepared without charge to him and sent to the Court of Appeals where he has access to the records for purposes of his appeal, he is not entitled to receive his own personal copy of the records at additional public expense. Under these facts, the application of Rule 7.2(b) to Petitioner was and is reasonable. See Barnes v. First Victoria National Bank, 878 S.W.2d 666, 667 (Tex. App. - Corpus Christi 1994, no pet). 14 II. The Court of Appeals correctly dismissed Petitioner's appeal because, despite having access to the free-of-charge clerk's and reporter's records at the Court of Appeals' offices and despite several extensions oftime and notices to do so, Petitioner failed to file a brief complying with Rule 38.1(g) of the Texas Rules of Appellate Procedure. A pro se litigant such as Petitioner is allowed to represent himself or herself at trial or on appeal. See TEX. R. CIV. P. 7. Self-representation carries with it the responsibility to comply with applicable rules and procedures, including the Texas Rules of Appellate Procedure if a pro se litigant chooses to represent himself or herself at the appellate level. See Mansfield State Bank v. Cohn, 573 S.W.2d 181, 184-185 (Tex. 1978); see also Mitchell v. Dallas County, 2014 WL 7685422, at *1 (Tex. App. - Dallas Dec. 18,2014, no pet.) (not designated for publication); Strange v. Continental Casualty Co., 126 S.W.3d 676, 678 (Tex. App. - Dallas 2004, pet. denied), cert, denied, 543 U.S. 1076 (2005). In particular, a pro se litigant such as Petitioner is obligated under the Texas Rules of Appellate Procedure to file a brief containing record references to support his, her, or its statement of the case. See Boiling v. Farmers Branch Independent School District, 315 S.W.3d 893, 895 (Tex. App. - Dallas 2010, no pet.); see also TEX. R. APP. P. 38.1(g). The appellate court may, on its own initiative after giving ten (10) days notice, dismiss an appeal because an appellant has failed to comply the Appellate Rules, a court order, or a notice from the Clerk requiring a response or other action within a specified period of time. See TEX. R. APP. P. 42.3. 15  Petitioner was ordered on August 14,2014, by the Court of Appeals to file an appellate brief containing appropriate record citations no later than September 15, 2014. See 4th CT. DKT, DOC. Order filed August 14, 2014; Appx. 9. Petitioner was aware that he was to review the clerk's and reporter's records (which were prepared without cost to Petitioner) at the offices of the Court of Appeals. See 4th CT. DKT, DOC. Order filed September 19, 2014; Appx. 4. Because no compliant brief was filed by Petitioner by September 15,2014, Petitioner was again ordered on September 19, 2014, by the Court of Appeals to file an appellate brief with appropriate record citations; the deadline to do so was extended to October 3, 2014; and Petitioner was warned by the Court of Appeals that his appeal would be dismissed if he did not complywith the Court of Appeals' order. See 4th CT. DKT, DOC. Order filed September 19, 2014; Appx. 4. Despite the August 14, 2014 and September 19, 2014 orders of the Court of / Appeals, Petitioner failed to file an appellate brief containing appropriate record citations by the required October 3,2014 deadline. See Olivares v. State Farm Bank, 2014 WL 5649794, at *1 (Tex. App. - San Antonio Nov. 5, 2014, pet. filed) (not designated for publication); Appx. 2. Given this, on November 5,2014, the Court of Appeals correctly dismissed Petitioner's appeal. See Boiling v. Farmers Branch Independent School District, 315 S.W.3d 893,897 (Tex. App.-Dallas 2010, no pet.); see also TEX. R. APP. P. 42.3. 16 III. The Trial Court correctly granted summary judgment to the Bank as it presented competent, uncontroverted evidence conclusively proving (a) the existence of a valid contract between the Bank and Petitioner, (b) performance or tendered performance by the Bank pursuant to the contract, (c) breach of the contract by Petitioner, and (d) damages sustained by the Bank as a result of Petitioner's breach. The amended summary judgment motion filed in the Trial Court by the Bank included a Business Records Affidavit and some fifty-two (52) pages of records showing the existence of a contract between the Bank and Petitioner, performance or tendered performance by the Bank under the contract, Petitioner's breach of the contract, and the damages sustained by the Bank as a result of Petitioner's breach. See CR Vol. 1, P. 314; Appx. 5. Petitioner, without leave of the Trial Court, submitted an untimely response to the Bank's amended summaryjudgment motion on May 5, 2014, which was three (3) days before the scheduled May 8, 2014 summaryjudgment hearing7. CR Vol. 1, P. 407 & 433; Appx. 6 & 8. No affidavit or summary-judgment evidence was attached to Petitioner's response8. CR Vol. 1, P. 407: Appx. 8: & CR Vol. 1, P. 115. 7 As earlier discussed, the records obtained directly from the Bexar County Clerk's Office indicate that the Trial Court ordered on May 8, 2014, that Petitioner's late-filed response be struck. Appx. 7. The clerk's record sent to the Court of Appeals does not, however, contain a signed counterpart of the Trial Court's Order to Strike Defendant's Response to Plaintiffs Motion for Summary Judgment. Subject to and without waiverof theBank's rightto seeksupplementation of the clerk's record, this brief proceeds as if Petitioner's late-filed response had not been so stricken. 8As also previously discussed, although Petitioner's late-filed response refers on page 4 to "the Affidavit attached to Defendant's Original Opposition/Objection to Summaryjudgment," there was no such "Affidavit." CRVol. 1, P. 115. It appears that Petitioner is equating a verified response with an affidavit, which it is not. See Webster v. Allstate Insurance Co., 833 S.W.2d 747, 749 (Tex. App. - Houston [1st Dist.] 1992, no pet.). 17  It is well settled that a summary-judgment response, even if verified, is not summary-judgment proof. See Quanaim v. Frasco Restaurant & Catering, 17 S.W.3d 30, 42 (Tex. App. - Houston 14th Dist. 2000, pet. denied). As a result, Petitioner did not produce any evidence to controvert to the Bank's amended motion for summary judgment and he did not raise any material fact issues as to his obligation9. SeeStrachan v. FIA Card Services, 2011 WL 794958, at *3 (Tex. App. - Houston [14th Dist.] March 8, 2011, pet. denied) (not designated for publication). Because the Bank's amended summaryjudgment motion was sufficiently supported by competent evidence, such evidence was uncontroverted, and there were no genuine issues of material fact, the Trial Court correctly granted summary judgment to the Bank. See Wakefield v. WellsFargo Bank, N.A., 2013 WL 4414826, at *4 (Tex. App. - Houston [14th Dist.] Nov. 14, 2013, no pet.) (not designated for publication). 9Even if the statements set out in Petitioner's response were somehow allowed as evidence (which they are not), statements consisting only of conclusions are insufficient to raise an issue of fact. See Keenan v. Gibraltar Savings Association, 754 S.W.2d 392, 393 (Tex. App. - Houston [14th Dist] 1988, no writ) (citing Life Insurance Co. of Virginia v. Gar-Dai, Inc., 570 S.W.2d 378, 382 [Tex. 1978]). 18  CONCLUSION AND PRAYER The Court of Appeals, on its own initiative, correctly dismissed Petitioner's appeal because, despite having access to the clerk's record and reporter's records provided to Petitioner free of charge at the offices of the Court of Appeals in accordance with its Local Rule 7.2(b) and despite several extensions of time and notices to do so, Petitioner failed to file an appellate brief containing proper citations to the clerk's and reporter's records in accordance with Rule 38.1(g) ofthe Texas Rules ofAppellate Procedure. This case does not conflict within reC.H. C, 331 S.W.3d 426 (Tex. 2011). In addition, the Trial Court correctly granted summaryjudgment to the Bank because it was sufficiently supported by competent evidence, such evidence was uncontroverted, and there were no genuine issues of material fact. For this and other reasons, this Court should not exercise its discretionary jurisdiction in this instance and the petition for review should be denied. The Bank also respectfully requests any additional relief to which it may be entitled. Respectfully submitted, JONES, ANDREWS & ORTIZ, P.C. Bv: /s/ Rav R. Ortiz Ray R Ortiz/ StateBar No. 11768450 John Sudyka/ StateBar No. 19463400 10100 Reunion Place, Suite 600 San Antonio, Texas 78216 Telephone: (210) 344-3900 Facsimile: (210) 366-4301 ATTORNEYS FOR STATE FARM BANK, F.S.B. 19  CERTIFICATE OF COMPLIANCE Based on the word count of the computer program used to prepare it, this brief contains 5,152 words, excluding the portions ofthe briefexempt from the word count under Rule 9.4(i)(l) ofthe Texas Rules ofAppellate Procedure. Additionally, based on the computer program used to prepare it, this brief complies with the typeface requirements of Rule 9.4(e) as it has been prepared in a conventional typeface no smaller than 14-point font except for footnotes, if any, which are no smaller than 12- point font. /s/ Rav R. Ortiz 20  CERTIFICATE OF SERVICE The undersigned certifies that, on March 30, 2015, true and correct copies of the foregoing were served via First Class United States Mail to the following: Mr. Dennis Olivares Ms. Yvonne Mikulik Acting Pro Se State Bar No. 24070271 10935 Whisper Ridge Law Office of Yvonne Mikulik San Antonio, Texas 78230 6060 NorthCentral Expressway, Suite 500 210-492-1439 Telephone Dallas, Texas 75206 210-492-1439 Telecopy 214-800-2897 Telephone seravilo@netzero.net E-mail Telecopier number unknown Electronic mailing address unknown Mr. Steve Ali "Steve" Javandoost Mr. Seung W. Chae State Bar No. 24055735 State Bar No. 24047837 Rausch, Sturm, Israel, Enerson & Hornik, LLC Rausch, Sturm, Israel, Enerson & Hornik, LLC 15660North Dallas Parkway, Suite 350 15660 North Dallas Parkway, Suite 350 Dallas, Texas 75248 Dallas, Texas 75248 877-689-7966 Telephone 262-796-7876 Telephone 866-456-3744 Toll Free Telephone 866-456-3744 Toll Free Telephone 877-492-5185 Telecopier 877-492-5185 Telecopier lawfirmTX@rsieh.com E-mail lawfirmTX@rsiehxom E-mail Mr. Keith E. Hottle Mr. Gerard C. "Gerry" Rickhoff ' Clerk of the Court Bexar County Clerk Fourth Court of Appeals Bexar County Clerk's Office 300 Dolorosa Street, Suite 3200 100 Dolorosa Street, Suite 104 San Antonio, Texas 78205-3037 San Antonio, Texas 78205 210-335-2635 Telephone 210-335-2216 Telephone 210-335-2762 Telecopier 210-335-2197 Telecopier' Electronic mailing address unknown Electronic mailing address unknown /s/ Ray R. Ortiz 21  APPENDIX to State Farm Bank, F.S.B.'s Response to Dennis Olivares' Petition for Review Trial Court's Order on Plaintiffs Amended Motion for Summary Judgment Tab 1 Olivares v. State Farm Bank, No. 14-00143-CV, 2014 WL 5649794 (Tex. App. - San Antonio Nov. 5, 2014, pet. filed) (not designated for publication) . Tab 2 Appellant's Affidavit of Inability to Pay Appeal Costs Tab 3 Court of Appeals' Order dated September 19, 2014 Tab 4 Plaintiffs Amended Motion for Summary Judgment Tab 5 Plaintiffs Response to Defendant's Response to Plaintiffs Traditional Motion for Summary Judgment Tab 6 Trial Court's Order to Strike Defendant's Response to Plaintiffs Motion for Summary Judgment Tab 7 Defendant's Repeated Objections to Plaintiffs Summary Judgment Evidence & [sic] Opposition to SJ [sic] Motion Tab 8 Court of Appeals' Order dated August 14, 2014 Tab 9  TABl Trial Court's Order on Plaintiffs Amended Motion for Summary Judgment  Case No. 3702S1 H STATE FARM BANK In the County Court at Law No. 2 Plaintiff of DENNIS OLIVARES BEXAR County Texas Defendant(s) ORDER ON PLAINTIFF'S AMENDED MOTION FOR SUMMARY JUDGMENT After considering PlaintiffSTATE FARMBANK'S Motionfor Summary Judgment, the response, if anyby Defendant DENNIS OLIVARES, and the evidenceand authority presented, the Court GRANTS Plaintiffs Motionfor Summary Judgment. IT IS, THEREFORE, ORDERED, ADJUDGED, and DECREED that the Plaintiff, STATE FARM BANK, is entitled to recover from the Defendants, DENNIS OLIVARES: 1. Judgment in the amount of $13,612.07 as actual damages for breach of contract; 2. All costs of court, which as of the date of this judgment total $307.00; said total consists of the following itemized costs: a. Suit filing fees of $212.00; b. Process service fees of $95.00 3. Post-Judgment interest at the lawful rate of 5.00 percent per annum from the date of Judgment. All writs and process shall be issued without further Order of the Court. SIGNED this %" day of PW^t 20T JUDGE LM SIDING 444 7>v /<;•'•• vr> ..« __^8£«^ .,'&«&.. i. .«.»,*«&:  TAB 2 Olivares v. State Farm Bank, No. 14-00143-CV, 2014 WL 5649794 (Tex. App. - San Antonio Nov. 5, 2014, pet. filed) (not designated for publication)  Westlaw. Page 1 Not Reported in S.W.3d, 2014 WL 5649794 (Tex.App.-San Antonio) (Cite as: 2014 WL 5649794 (Tex.App.-San Antonio)) may inspect a record only in designated areas of the H Court's offices."). Accordingly, appellant's motion was denied; however, the deadline for appellant to file his Only the Westlaw citation is currently available. amended brief containing appropriate citations to the record was extended to October 3,2014. This court's order SEE TX R RAP RULE 47.2 FOR DESIGNATION stated, "If appellant does not file a brief containing AND SIGNING OF OPINIONS. appropriate record citations by October 3, 2014, this appeal will be dismissed for failure to comply with this MEMORANDUM OPINION court's order. See TEX. R.APP. P. 42.3." Court of Appeals of Texas, San Antonio. Because appellant did not file an amended brief by the stated deadline, appellant failed to comply with this Dennis Olivares, Appellant court's order. Accordingly, this appeal is dismissed. See id. v. State Farm. Bank, Appellee Tex.App.-San Antonio, 2014 No. 04-14-00143-CV Olivares v. State Farm Bank Not Reported in S.W.3d,- 2014 WL 5649794 Delivered and Filed: November 5, 2014 (Tex.App.-San Antonio) From the County Court at Law No. 2, Bexar County, END OF DOCUMENT Texas, Trial Court No. 370251, Honorable Jason Pulliam, Judge Presiding Dennis Olivares, San Antonio, TX, for Appellant. Yvonne Mikulik, Dallas, TX, for Appellee. Sitting: Catherine Stone. Chief Justice, Karen Angelini. Justice, Sandee Bryan Marion. Justice MEMORANDUM OPINION PER CURIAM *1 By order dated August 14, 2014, appellant's brief was stricken from the appellate record because appellant's brief did not contain citations to the record in the statement of facts and arguments sections of his brief. TEX.R.APP. P. Rule 38.1(g).(i). Appellant was ordered to file an amended brief containing appropriate record citations in the statement of facts and arguments sections of his brief no later than September 15, 2014. On September 13, 2014, appellant filed a motion requesting a copy of the record. In his motion, appellant acknowledged that he had been informed that he must review the record in this court's offices. See 4th Tex.App. (San Antonio) Loc. R. 7.2(b) ("Parties who are representing themselves and are not licensed attorneys )2015 Thomson Reuters. No Claim to Orig. US Gov. Works. fefc. .&-  TAB 3 Appellant's Affidavit of Inability to Pay Appeal Costs  ACCEPTED 04-14-00143-CV FOURTH COURT OF APPEALS SAN ANTONIO, TEXAS 3/11/2014 7:44:02 PM KEITH HOTTLE Cause No. 370251 CLERK STATE FARM BANK & IN THE COUNTY COURT Rausch, Sturm, et al., FILED IN Plaintiffs 4th COURT OF APPEALS v. NUlflftttrtWWO. TEXAS 03/11/2014 7:44:02 PM KEITH E. HOTTLE DENNIS OLIVARES, Clerk Defendant . BEXAR COUNTY, TEXAS APPELLANT'S AFFIDAVIT OF INABILITY TO PAY APPEAL COSTS TO THE PRESIDING JUDGE OF SAID COURT: Defendant hereby submits to this Court this duplicative Affidavit of Indigence whose averments were embedded in earlier Motions and Affidavits submitted in this Case and the companion federal Case No. SA-12-CA-1071-HLH. By submitting this Document, Defendant- Appellant seeks to continue defending himself in this Cause and his appeals therefrom without further costs and fees assessed him in any jurisdiction; he has no present ability to pay anything beyond the bare costs of researching, producing, copying, notarizing, and filing (gasoline + parking) Pleadings and showing up for hearings. This is hardship enough. Defendant lacks the cadre of paralegals and secretaries of his Opponents. 1. I am Dennis Olivares, pro se, the Defendant in the above-cited Cause. I am the Appellant in Appeal No. 04-14-00143-CV. I am of sound mind and capable of making this Affidavit and associated Motions and Appeals. 2. I began my defense in this Cause pro se back in December, 2011, and proceeded alone until I was able to retain Bill Clanton, Esq. on October 17, 2012. Having been deserted by that attorney last June— over disputes relating to the prosecution of discovery in the federal offshoot FDCPA Case— I have resumed proceeding pro se in this Cause since then. I remain indigent all that time and into the foreseeable future. 3. I first submitted an Affidavit regarding my indigent state in my Answer and Affidavit in Support of Objections... & Opposition to Summary Tudgment Motion dated September 14, 2012. At least one parallel Affidavit was also filed last August as part of a successful Opposition to Summary Tudgment in federal court for companion Case No. SA-12-CA-1071-HLH. 4. The estimated costs of the Reporter's Records are $150 for the typed Transcript of the Hearing of December 20th and $275 for the Rehearing of January 31st. The estimated cost of the Clerk's Record is negligible since less than a dozen short Pleadings are indicated. 5. I have no regular income from any source since 2001 and have filed no tax returns as a result. There is no requirement to file if total income does not exceed $6500. I made $900 in 2008. I've not been able to earn much more than halfof that in any year since! This year may be different: So far, I've earned $400 editing commercial copy for a friend. 6. Rather, I have been borrowing money from friends and relatives and doing odd jobs and ghostwriting when I can find such opportunities. I was actively seeking employment commensurate with my education, training, professional experience and career interests. However in the last few years, I've been trying to secure employment doing anything! I had no idea it would be so difficult to secure a decent job in this local market when I moved back home in 2001. I remain optimistic as something is sure to come around in due course since I am not without considerable qualifications, achievement or positive work habits, but I am increasingly 2 being made to face the fact that I am simply one of the 44 million chronically unemployed in this nation's sad economy. The longer I remain unemployed, the more certain I never will be again! I haven't drawn a regular paycheck since my 13-year employment as a NASA spacecraft engineer ended in 1999. That's a 15-year losing streak! 7. For the record, I am owed $8350 from another indigent in California after a successful mail-fraud prosecution 3 years ago, but I have not and will never see another dime of that court- ordered restitution since the court sent me a check for $220 several years ago. 8. I have no spouse or any dependents who could help extricate me from this unfortunate economic situation. 9. Exhibit 1 is a single Document which demonstrates my continuing indigence by virtue of his most recent grant of $189/month in Food Stamps (SNAP). I've now been receiving such public assistance for 3.5 years. 10. Exhibit 2 is another Document demonstrating my indigence by virtue of his receiving $748 which turned into a net credit to CPS (gas/electric utility) in the amount of $761 for the forthcoming winter of 2011 from Bexar County's Energy Crisis Program. That bill had been building for over 2 years to that level. It is hoped that such evidence of Defendant's penurious situation will show legitimate poverty and not some cynical attempt to skip-out on debts. - 11. I do not currently own any real or significant personal property. As a potential beneficiary of my Parents' Living Trust, I have a possible one-third future interest in the following real property: a single-family dwelling on a quarter-acre located here in town at 10935 Whisper Ridge, which has been my domiciliary since 1969. I can raise no money from this potential future asset at this time since I do not own any part of it yet, and the IRS has an illicit Lien (Exhibit 3) for upwards of $230,000 on it should I ever get any form of legal ownership of or interest in any real property! 12. I have about $15 cash in my wallet today and no checking account for the past 5 years. Even these funds originated as loans from my Aunt Trinidad and other friends and relatives. 13. My other assets include: One 1991 GMC Sonoma/Syclone pick-up which no longer runs reliably... smokes (burns oil) furiously and needs body work. I also own a 1989 Pontiac Trans Am, and a 1992 GMC Jimmy/Typhoon which are all in pieces and haven't run in years! They are potential vehicles at best and have virtually no resale value in their current disassembled condition; none is less than a month away from being rendered road-worthy and offered for sale even if I could afford the time and hundreds to thousands of dollars it would take me to get any one of these hot-rods rebuilt, tested, licensed, inspected, and painted (especially the Syclone and Typhoon). Even if I were willing to overlook the enormous amounts of time and money I poured into these vehicles in years past— always planning to sell at least two of them— the total scrap value of any three of these works-in-progress would not net me even half of what I need to fund this appeal and further litigation with these truculent Plaintiffs. 14. I have no other personal assets— books, tools, clothes, records/CDs— that are not too old, worn, and/or water-damaged to be of any marketable worth sufficient to generate even a fraction of the amounts needed to survive at current Spartan levels and pay to exercise my own civil rights of self-defense in this Cause. Moreover, I do not believe I can be legally compelled to divest myself of personalty required to enable me to secure new employment and make a living. 4  15. My monthly expenses are borne completely on my last unexpired credit card ($1000 limit). These expenses vary with unforeseen household exigencies but essentially are fairly stable each month and include: $30 for gasoline (when driving), car taxes, and insurance; $220 for utilities; $5 for church and charities; $20 for credit card minimum; $90 for food (non- SNAP), vitamins, and diabetic medicine; and maybe $50 for miscellaneous, including this litigation... yielding a monthly total of just under $415. Because my actual outlays are primarily driven by minimum payments on the credit card, I never pay that full total in any given month, which is part of the reason I have been able to stretch my resources so far. Annually, I'm usually able to survive in my current situation on between $3300 to 4700 per year. 16. I am not able to obtain a separate loan to pay for the costs of this Appeal or any other element of this litigation because the money I have been using for the past five years to pay my credit card is already loans intended solely for bare-survival needs. I'd get cut off fairly quickly if it became known I was borrowing scarce funds to dump into the legal system. In my present state of unemployment, with no collateral, I am not able to secure any further commercial credit beyond what I already have. 17. The Exhibits herewith attached are true, verifiable documents that exist on the hard-drive of Defendant's desktop computer and in his paper files; they have not been altered in any way except for obvious black notations, receipt-stamps, and/or highlights. 18. That I am truly indigent is supported by the readily verifiable fact that not one of my Opponents nor any court official in either federal or Bexar County has ever questioned or challenged my penurious circumstances. They are unlikely to do so now, except as a further waste of courts' time and my own dwindling resources.... 5  Verification STATE OF TEXAS § § COUNTY OF BEXAR § Before me, the undersigned notary, on this day personally appeared DENNIS OLIVARES, and after being by me duly sworn, upon his oath, stated as follows: "My name is DENNIS OLIVARES. I am over 21 years of age and am fully competent to make this Affidavit. I am the Defendant-Appellant in the above- cited Cause and I am duly authorized to make this Affidavit. I have written and read the above Appellant's Affidavit of Inability to Pay Legal Costs, consisting of 7 typed pages, including 3 Attachments, and the facts and statements contained herein are true, correct, verifiable, and within my personal knowledge." Further, Affiant sayeth not: Dennis Olivares, pro se 10935 Whisper Ridge San Antonio, Texas 78230 seravilo@netzero.net (210) 492-1439 [voice] SUBSCRIBED and SWORN TO before me by the said DENNIS OLIVARES on this 10 th day of March, 2014 to certify which, witness my hand and seal of office: Not•ryPtip<$'$tete of Texas AllJANDRO CARREON Notary Public, State of Texas kft^Vfef MyCommission Expires V£u»W July 10, SOU  CERTIFICATE OF SERVICE I, Dennis Olivares, have served a true and correct copy of the foregoing Affidavit of Inability to Pay... upon Yvonne Mikulik— Attorney of Record for the Co-Plaintiffs RSIEH and State Farm Bank— by e-mail to her office of record in Addison/Dallas, Texas at YMikulik@rsieh.com as well as her corporate inbox at lawfirm@rsieh.com on this 10th day of March, 2014. Si/*VYsJU( 3000180430 Sahara uripago with CPS ENERGY NjO November 14,2011 000 fecha s«£yoi^fmscbrrArSBI. You will see the amount afts^your v Sa va notarnuastro pago en stuxfamaiguiantB de/proximo mas. If you haveanyquestlonsj/sofitact me at (210} 335-6770 after 2:00 p.m. only. Si tiana algunpragunta sobra asta asunto, favor da llamarma at (210) 335-6770 sotamanta daapuas de tas 2:00 p.m. Total Benefit for 2011: $748.36 B«xarCo«iuyD^rtmom of Community Rttoureas 233N. Pecos Stmt, Sutta59ft San Antonio,TX 78207 CSmtStiviMt: t*10}M*o770 F*x: (210)335*788  Form 8519 Department of the Treasury • Internal Revenue Service (Rev. January 2001) Taxpayer's Copy of Notice of Levy 3 DATE: 12/11/2013 TELEPHONE NUMBER SEQNUM 08552 OF IRS OFFICE: REPLY TO: TOLL FREE 1-800-829-7650 ACS SUPPORT WI PO BOX 24017 FRESNO, CA 93779-4017 TO: DENNIS OLIVARES XX-XXXXXXX ' ^^ 10935 WHISPER RIDGE ST SAN ANTONIO TX 78230-3610352 REVOCABLE LIVING TRUST PATRICIA MAE OLIVARES 10503 MOUNT TIPTON SAN ANTONIO TX 78213-1627030 001799 IDENTIFYING NUMBER(S): -5216 0LIV A 00 Kind of Tax Tax Period Ended Unpaid Balance of Assessment Statutory Additions Total 1040A 12-31-2000 $ 149,119.13 $ 81,527.94 $ 230,647.07 THIS LEVY WONT ATTACHFUNDS IN IRAs, SELF-EMPLOYED INDIVIDUAL RETIREMENT Total PLANS, OR ANYOTHER RETIREMENT PLANS IN YOUR POSSESSION OR CONTROL, Amount UNLESS IT IS SIGNED IN THE BLOCK TO THE RIGHT, fr Ouo^ 230,647.07 We figured the interest and late payment penalty to. 01/09/2014 Although we have told you to pay the amount you owe, it is still not paid. This is your copy of a notice of levy we have sent to collectthis unpaid amount. We will send other levies ifwe do not get enough with this one. Banks, credit unions, savings and loans, and similar institutions described in Section 408(n) of the , Internal Revenue Code must hold your money for 21 calendar days before sending it to us. They must include the interest you earn during that time. Anyone else we send a levy to must turn over your money, property, credits, etc. that they have (or are already obligated for) when they would have paid you. If you decide to pay the amount you owe now, please bring a guaranteed payment (cash, cashier's check, certified check, or money order) to the nearest IRS office with this form, so we can tell the person who received this levy not to send us your money. If you mail your payment instead of bringing it to us, we may not have time to stop the person who received this levy from sending us your money. If we have erroneously leviedyour bank account, we may reimburse you for the fees your bank charged you for handling the levy. You must file a claim with the IRS on Form 8546 within one year after the fees are charged. If you have any questions, or want to arrange payment before other levies are issued, please call orwrite us. If you write to us, please include your telephone number and the best time to call. Signature of Service Representative Title Operations Manager, ACS FORM85t9an Antonio, tKexas September 19, 2014 No. 04-14-00143-CV Dennis OLIVARES, Appellant STATE FARM BANK, Appellee From the County Court at Law No. 2, Bexar County, Texas Trial Court No. 370251 Honorable Jason Pulliam, Judge Presiding ORDER By order dated August 14, 2014, appellant's brief was STRICKEN from the record because appellant's brief did not contain citations to the record in the statement of facts and arguments sections of his brief. Tex. R. App. P. Rule 38.1(g),(i). Appellant was ordered to file an amended brief containing appropriate record citations in the statement of facts and arguments sections of his brief no later than September 15, 2014. On September 13, 2014, appellant filed a motion requesting a copy of the record. In his motion, appellant acknowledges that he has been informed that he must review the record in this court's offices. See 4th Tex. App. (San Antonio) Loc. R. 7.2(b) ("Parties who are representing themselves and are not licensed attorneys may inspect a record only in designated areas of the Court's offices."). Accordingly, appellant's motion is DENIED. Appellant's amended brief containing appropriate citations to the record must be filed no later than October 3, 2014. If appellant does not file a brief containing appropriate record citations by October 3, 2014, this appeal will be dismissed for failure to comply with this court's order. See Tex. R. App. P. 42.3. Catherinejstone, ChiefJustice  IN WITNESS WHEREOF, I have hereunto set my hand and affixed the seal of the said court on this 19th day of September, 2014. Keitfi E. Hottle Clerk of Court ^ ~tJ STATE FARM BANK § In the County Court at Law No. 2 Plaintiff § of § § § v- § DENNIS OLIVARES | BEXARCounty Texas Defendant(s) PLAINTIFF'S AMENDED MOTION FOR SUMMARY JUDGMENT COMES NOW Plaintiff, STATE FARM BANK ("Plaintiff'), and files this Amended Motion for Summary Judgment against Defendant(s) DENNIS OLIVARES (hereinafter referred to as "Defendant", whether singular or plural). In support of its Motion, Plaintiff would show the Court the following: I. SUMMARY OF ARGUMENT Plaintiff sued Defendant for breach of contract arising from Defendant's default on a credit card account. Plaintiff would show that it has produced sufficient evidence to establish each element of its breach of contract claim against Defendant. More specifically, Plaintiff would show that the business records affidavit and exhibits attached heretoestablish that a contractfor credit existed between Plaintiffand Defendant, that Plaintifftendered performance under the contract by allowing Defendant to incur charges on Defendant's credit account with Plaintiff, that Defendant breached the contract by failing to timely pay for charges incurred on the credit account, and that Plaintiff has suffered economic damages as a result of Defendant's breach. Plaintiff would further show that existing State and Federal case law provide that the attached evidence is sufficient to establish Plaintiffs breach of contract claim. Defendant has offered no evidence to controvert the evidence provided by Plaintiff. Accordingly, Plaintiff is entitled to summaryjudgment on its breach of contract claim against Defendant. n. EVTOENCE IN SUPPORT OF AMENDED MOTION FOR SUMMARY JUDGMENT This Amended Motion for Summary Judgment is supported by the following: 1. The Business Records Affidavit of the authorized representative for STATE FARM BANK , along with attached exhibits, are attached hereto and incorporated herein full as "Exhibit 1". III. ARGUMENT AND AUTHORITIES A. Summary Judgment Standard ! The law is well settled that summary judgment shall be granted if there is no genuine issue of material fact and the undisputed facts show that a movant is entitled to judgment as a matter of law. TEX. R. CrV. PROC. 166a(c); Gaines v.Hamman, 358 S.W.2d557, 563 (Tex. 1962). Once the movant establishes that there is no genuine issue of fact and that it is entitled to summaryjudgment as a matter of law, the burden ofproofshifts to the nonmovant who must produce summaryjudgment evidence to raise a fact issue. Casso v. Brand, 116 S.W.2d 551, 556 (Tex.1989).{emphasis added). The Texas SupremeCourt has encouraged the use of summaryjudgment in order to avoid the delays of trial when there is no genuine issue of material fact. City ofHouston v. Clear Creek Basin Authority, 589 S.W.2d 671, 676 (Te,, 1979). B. Elements of Breach of Contract Claim To beentitled to summar>T*Hgment on itsbreach ofcontract claim, Pl^WlMffis required to prove, asa matter of law, the essential elements of breach of contract claim: (1) the existence of a valid contract between the Plaintiff and Defendant; (2) performance or tendered performance by the Plaintiff; (3) breach of the contract by the Defendant; and (4) damages sustainedas a result of the breach. PrimeProducts, Inc. V. S.S.I. Plastics, Inc., 97 S.W.3d 631(Tex.App- Houston [1st Dist.] 2002, pet. denied.). /. ValidContractfor CreditExists Between Plaintiffand Defendant This lawsuit arises from Defendant's default on a credit card account. All across Texas, courts have held that a signed contract and/or application for credit is not necessary to establish the existence of a valid contract for a credit card account. The Texas Supreme Court has held that a party may be bound by an agreement even without a signed agreement, provided that the actions of the parties reflect a mutual intent to be bound. Haws & Garrett Gen. Contractors, Inc. v. GorbettBros. Welding Co., 480 S.W.2d 607,609-10 (Tex. 1972). Courts have extended the Texas Supreme Court's reasoning to apply specifically in credit card account cases. In Jones v. Citibank, the Fort Worth Court of Appeals held that "even if appellant never signed the card agreement, under Texas law, she entered into a contract with appellee by accepting the benefits of their arrangement." Jones v. Citibank, N.A., 235 S.W.3d 333, 338-39 (Tex.App.- Ft. Worth [2nd Dist.], 2007). The Houston Court of Appeals held that it is not even necessary to prove that a copy of the contract was delivered because use of the credit card and payments on the account can manifest intent that a contract become effective. Winchekv. American Exp. Travel Related, Til S.W.3d 197, 204 (Tex.App.-Houston [1 Dist.], 2007). Similar decisions have also been reached by the Dallas Court of Appeals and the El Paso Court of Appeals. See Hinojosa v. Citibank (South Dakota), N.A. 2008 TexApp. Lexis 1532, at 7 (Tex.App.-Dallas [5thDist.], 2008) (regardless of application of Federal or Texas law contract found to exist where credit card was issued and appellant used card); see also Benser v. Citibank (South Dakota) N.A., 2000 WL 1231386, at *5 (Tex.App.-El Paso, Aug. 31, 2000, no pet.) (not designated for publication) (court concluded that use of card and payments to account showed cardholder understood obligation and that contract was formed). Federal case law further supports the position that a signed contract and/or application is not necessary to establish the existence of a valid contract. See Stinger v. Chase Bank, 265 Fed. Appx. 224, 227 (2008) (by using the credit card appellant demonstrated an intent to be bound by the credit agreement and no signed contract required); Heiges v. JP Morgan ChaseBank, N.A., 521 F. Supp.2d 641, 647 (N.D. Ohio, 2007) (issuance and use of credit card create a legally binding agreementand no signed application is needed); BankofAm. v. Jarczyk, 268 B.R. 17, 22 (Bankr.W.D.N.Y. 2001) (issuance of credit card constitutes an offer and use of credit card constitutes acceptance); Coleman v. Assurant, Inc., 508 F.Sup{J.2d 862, 867 (2007) (Under Delaware law a person may assent to the terms of a credit agreement by using the credit card). Based on the foregoing authority, Plaintiffwould show that it hasproduced sufficient evidence to establish the existence of a contract between Plaintiff and Defendant for the extension of credit. Plaintiff has attached hereto a businessrecordsaffidavit, which authenticates account statements for the credit accountmadethe basis of this lawsuit. The account statements contain Defendant's name, the billing address where the statements were sent, the account number, and reflect purchases, cash advances and/or payments made on the account. Asthe court in Winchek held, a contract for credit is created when the cardholder uses the card. Winchek, 232 S.W.3d at 204 The account statements 315 offered by Plaintiff show that Defendant used the card in question and thus, a valid contract for credit has been established. 2. PlaintiffTendered Performance^***1 **>¥& In a case such as this one, involving a breach of contract claim arising from a credit card account, a card issuer tenders performanceby permitting a cardholder to use the credit card account to make purchases and/or obtain cash advances and defer payment for those transactions. The card issuer pays for the transactions and/or cash advances on behalf of the cardholder in exchangefor the cardholder's promise to pay the card issuer back at a later date, with interest rate charges, late fees and other potential charges to apply as consideration for the cardholder's ability to defer payment. In the present case, Plaintiff has produced account statements reflecting that charges were incurred on and/or payments from Defendant were credited to the credit account in question. By permitting Defendant to incur those charges and defer payment for those charges, Plaintiff tendered performance. The previously cited Texas cases involving credit card accounts involved similar facts and evidence, and support Plaintiffs position that the activity reflected in the account statements attached hereto are sufficient proof that Plaintiff tendered performance under the contract. See Jones, 235 S.W.3d 338-39; Winchek, 232 S.W.3d at 204; Hinojosa, 2008 Tex.App. Lexis 1532, at *7; Benser, 2000 WL 1231386, at *5; and see also Duran v. Citibank (South Dakota), N.A., 2008 Tex.App. Lexis 2060, at *10-11 (Tex.App.-Houston [1stDist.], 2008). 3. Defendant Breached the Contractfor Credit The account statements presented by Plaintiffin this case establish that charges wereincurred on the credit account in question and that a balance was due on said account. The account statements further provide a "minimum payment due" for each monthly cycle as well as a payment due date. The account statements show that Defendant made payment on the account, but then stopped payments on the account despite a balance remaining due. As such, the evidence offered by Plaintiff clearly establish Defendant's breach of the contract for credit with Plaintiff. Again, Plaintiffs argument in this regard is supported by the previously cited Texas cases, wherein various courts of appeals have held that a cardholder's breach of a contract for credit can be established through account statements. See Jones, 235 S.W.3d 338-39; Winchek, 232 S.W.3d at 204; Hinojosa, 2008 Tex.App. Lexis 1532, at 7; Benser, 2000 WL 1231386, / at *5; and Duran, 2008 TexApp. Lexis 2060,at*l(Ml. 4. Damages Sustained As A Result ofBreach The account statements attached hereto show that a remaining balance of $13,612.07 is owed on the account as a result of Defendant's failure to pay for charges incurred on the account. The amount sought for recovery by Plaintiff in its Petition matches the remaining balance set forth in said account statement. As such, Plaintiffs damages are liquidated as they can be readily ascertained from a written instrument. Plaintiffs argumentin this regard is supported by. the previously citedTexas cases, wherein various courts of appeals haveheld that a card issuer's damages resulting from a cardholder's breach can be established through account statements. See Jones, 235 S.W.3d 338-39; Winchek, 232 S.W.3d at 204;Hinojosa, 2008 Tex.App. Lexis 1532,at 7; Benser, 2000WL 1231386, at *5; and Duran, 2008 Tex.App. Lexis 2060, at* 10-11. 316 C. Evidence and Case Law Sunnort Entry of Summary Judgment Plaintiff would show that HH^idence it has produced to date is not onlyyiflicient to establish each element of its breach of contract claim at trial, but that it is also sufficient to warrant this Court's granting of Plaintiffs Motion for Summary Judgment. Texas trial courts have repeatedly rendered summaryjudgment in favor of credit card issuers based on evidence similar to that which Plaintiff has produced in this case, the courts of appeal have repeatedly affirmed those findings. See Jones, 235 S.W.3d 338-39; Winchek, 232 S.W.3d at 204; Hinojosa, 2008 Tex.App. Lexis 1532, at 7; and Duran, 2008 Tex. App. Lexis 2060, at *10-11. Accordingly, there is a strong precedent of case law that supports the entry of summary judgment in favor of Plaintiff in this case based upon the documents attached to this Motion. IV. CONCLUSION AND PRAYER Under the existing case law regarding suits for breach of contract arising from default on credit account, Plaintiff has produced sufficient evidence to establish each element of its breach of contract claim. Defendant has produced no evidence to controvert the evidence provided by Plaintiff herein. As such, there are no material issues of fact in dispute, and Plaintiff is entitled to summaryjudgment on its breach of contract cause of action. Plaintiff respectfully requests that the Court enter summaryjudgment in its favor for: a. Judgment in the amount of $13,612.07 on the debt owed to Plaintiff; b. costs of court; and c. all further relief to which Plaintiff may be entitled. Respectfully submitted; Rausch, Sturm, Israel, Enerson & Hornik, LLC By: i±T Steve Javandoost, SBN 24055735 Christina S.Mitchell, SBN 24071758 NathanialD. Kitz, SBN 24080988 Fallon Hamilton, SBN 24059202 SEUNG W. CHAE, SBN 24047837 Shaun G. Brown, SBN 24068023 Michael R. Castro, SBN 24065025 LOURDES R. SLINSKY SBN 24088762 15660 N. Dallas Parkway, Suite 350 Dallas TX 75248 Toll Free - (866) 456-3744 Fax - Dallas (877) 492-5185 E-mail: lawfirmTX@rsieh.com ATTORNEY FOR PLAINTIFF 1176411 317  CERTIFICATE OF SERVICE This is to CERTIFY that, in compliance with the provisions of the Texas Rules of Civil Procedure, on JM 3 o 2014 , a true and correct copy of the foregoing Plaintiffs Motion for Summary Judgment was served on the following named person Certified Mail # Fees: $133.78 Cash AdvanceUn* $5,950X10 • EndtogBalance: $11,55222 Available Cash AdvanceUmfc $347.78 • STATE FARM DOLLARS EamedtoDate Earned Thte Cvcla RedeemedThlB Cvcla Transections For: J $190.85 $1.34 $0X0 $20.65 J Posting Transaoson Reference Description Amount Date Date Number PAYMBfTS AND CRBHTS 03O6-08 01-2848 1122 LATEPAYMENTFEE COLUMBUS GA $34.00 CR 03-16-09 03-1509 0324 KEALTHWAREHOUSE.COM CINCINNATI OH $9.50 CR 03-3509 084509 0575 8FB ElectronicPayment - Thank You $240X0 CR PURCHASE? AND PffilTS C3-12-08 03-1008 5849 MOTOWN COMICS.COM 212-3026192 NY $8.07 03-1308 03-12-09 2012 JRCIGAR.COM. INC. 688-674-3674 NC $40.00 03-17-09 03-1608 6200 AID TO THE CHURCH INN 716-8080939 NY $2222 03-2308 03-2509 8168 EBAYNC. 888-748-3229 CA $2.66 03-27-08 03-2609 0083 ACCURATEPESTCONTROL 210-4960488 TX $70J8 Go Greenbeta hyourntontsypapevstateiTOrtfor an ontlwstatem ®,csokon L_ yowereoltcardacoounlBien choose Manage StatementOptions toton offpaperststemente before 12/31AJ9. 1 Average DaUy Comespondkig FINANCE CHARGE — Dally Periodic Amuel Due to Daly Transection • Batanoe Rate Percentage Rate Periodic Rate Fees I Purchases $7,267.66 0-0274%* 9X9% $81.73 $0X0 1 Cash $4,241.90 0X648%* 19X9% $72.06 $0X0 | The effective Annual Percentse* Rate forthe period Is: 13X6% "This rate may vary. Pleese erafraccount nwnber on ei checks tnd oonesponderica^ before Payment Due Date. 323  ^ Bank. 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McaTOOk(oca»»iBlk^a.lfcOW«BttooJ.oiar»Mk^ purr^aaprfai^ wkw WaMkacUKtooooooaoukkoMita^okB rriao* TO rawilt»aU>aaMi.kJ^k»a^r'il.t>aoan»»oawy«^>.nkba>iia*>. ako ofnear aolag odtao. ft mama o^nwoiM m to k*lo»lb»iooaloj«,o«ijoo»«»w)to»aBOr»ooolo«tolo^^ •»• odailaiaiil b ka popody orlonkao, al PwdHaoooa ooarod aovdioaoraaaut a oajonaio1pnoaokaioaoa4. kojanofovioaoo) 324  Account Number: Payment Due May 29,2009 Bank. 2:30P.M.(ET)on: New Balance: Mftnfmum-Payment: $248,98 Amount Enclosed: STATE FARM BANK PO BOX BOM COLUMBUS GA 31982-4025 Make Check Payable to: STATE FARM BANK DKNNUOUVARE3 J Please check boxfor address or 18935 WHISPER ttUKS ST telephone change on the reverse SAN ANTONIO TX TO2390C1» eWe. Ibfifil D00S4fl5fl3 QI.lS3Efc.01 DBUNBOUVARES HxaMtnanDer.fgggg/^K^ PsymsntDueDBte May20,2008 Poo»1of4 For24 Hour Good Nelohbor Customer Servtee, Please Call:1-67T-SF4-VISA (1-BT7-734-8472) Account Summary Credit Line Summary L Previous Batonce: $11,652J22 CtostngDete: May4,2009 I Payrnants&Oredrts: $32436 Numberof Deyem Cycle: 30 • Purchases* OtherCharges: $110.73 Total Credit Umfc $11,800.00 • Cash Advances: $35.00 AwflobleQeoTtUmt: $367.40 • Finance Charges & Fees: $169.80 Cash Advance Limit $5,850DO • EnolngBalance: $11,532.60 AvailableCssh Advance Umlt $387.40 • STATE FARM DOLLARS EwiKXltePata Earned This Cvcle R^Q^wnedThrs cycle, TtansastioneFon •»*• $191-26 WmmmTr&Sl ♦0.61 $0.00 $21.26 J Posting Transaction Reference Description Amount Date Date Number PAYMENTS AND CREDITS 04-1509 04-1409 2440 DRI*Spcrtmaucom ragnowxomte8 MN $48.95 CR 0447-08 04-2709 1714 SFB BectrorUcPayment- Thank You $250.00 CR 0644-09 04-2209 8300 REJECT CHECK FEE $26.00 CR PURCHASES AND DEBITS ' 04-22-08 04-2208 0630 RETVIRNEDCONVENIENCE CHECK FEE $26.00 04-Z2-O9 04-2209 2112 SFCCK1004 $36.00 04-2208 04-2209 2112 CASH ADVANCEFEE $6.00 04-24-08 04-2309 0207 DAIRY QUEEN #3 WEST AV SAN ANTONIO TX $13.47 04-24-08 04-2309 1290 ALTEX BJSCTRONICSLTD 8AN ANTONIO TX $14.68 04-2748 04-2309 2393 E. L SMITH PUJMBINQ 8. HE SAN ANTONIO TX $10.81 04-2808 04-2709 4345 raSCOUNTPETDRUOS-COM 6600480343 CA $16.55 0601-08 040008 0325 DAIRY QUEEN #14682 SAN ANTONIO TX $13.88 050409 040009 0481 MICRO FIX, INC SAN ANTONIO TX $29.77 060409 060209 6542 POPEYES CHICKEN & BIS SAN ANTONtO TX $11.88 Oood Neighbor UaasageJ • " ~~ " ] 6^vea stampend imld latefees by a^hg up Ibrthe State Fan^ t«hertrie i^nlmm rndilnh; peryim tatom ycwdi» date.ToaniotL peaserefertob^arrci^^ .a25_  S^_or* Bank Roowofawctajrwr/Brjrkoeo^teteohjrwrwmtierrjoa**-. Ao*«o cay Stale 2t> HomePt oka Skk Form Ooaua k oaradaao.WHi to lam. ant ThtmOaoa-ooaa. t»ojlt»oaoi«»»fit)»o^l»hBU»oado«»* Bbyto Da* aottaaa oafcaodh pan Bak Para DrawlarakoodCooaMaooiDavio oiwiaiiiipoa rmt>^man*it*lU*iaii*lbf*tmMlm<**>tk,txU*ira r**m*t*^*tml^1^p<*&ttjm4t*».^m*»iiBtBm*miBtmn Cknn. <*nk,atU!T7&i*BAp4T%niMn>. Baa k Hat w» Dokralraftca 01Yw «ar.o. 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Mm m«l oiftwkttetoroaaoiOiarn oa^«kdkao»toparkr»oowiogrk»ua ta»irl;i, aa oaaiot apwt»» atouM k quaOgo aa oanaaat a not toy actlooto ooantnaanooat V to* k aa opart* f) •m to to Boar Pntodb Bak oa ft* torn of y«a oajkraoal. kk yeurfopatoa. amMbrarnw. laoo>na*>WM tonka ma law yaw aorgkaoapatd kyoaCkrftQjieAtn.adrriot)OBrtawSiia)«olo^ ff ynaon wfratnd otto ray yaw oatlertMoikarotujIV aomworoaira»»«o»oair|oa ooooani rwooaaas torajokotonaoy aoaatyorjSka Boasts-loan toptyaroot,poor a"to •numeBCtmOPm to arm of yow .karaa k SltO. to. to rnkhna Fharo kforaioaroorkoarirarMohaar^aar^ toa»xnukr»^aak»ili.,a>a-|i>oga.(». 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AwoopooMaaaaominoaoraioatorloaoka tokftakoadaatotkaorlod'Taidhtir toBtopoo»«jdpakaraltoaoaadkatotoda»liokac. laaparkgdaakkootioia or aarbnoUra, or karoo otorrto kadakMoaoacftoolaOMaWoaxal.au te oOonV(roooato>.n.iB,i kyarJaooaol. otrttoektoForarkoa, POaa Mat, TBjuroBoJow. rL>1ir»oS»V Waoaora al oa rbMa a»jiai«oa«iiaaarook.r^kioriija.B«krkkii.oaltoakaoialB lorjuoertawoapi •aUag taaaMa kowowiil kioriaad 01aayoaarooaaa toirogooapltokokoaokoaljMradiorloto pay aaowkg bwooo. Or, ao aoy afcao to aoMpt aay aochoBotoant b. otoatag It k you, VoaaotpwotarartofioaHaraokaaMaayftoa. Maaw.yoairaotafcayopiyaikoo: twloaokat. adatnjoaoia. Atoot*OTr«i to^rkoiaPtnaWaytofkrinaolCotOao. ladyowrapaataadabUBdooka. oototoololoaoKkaoiil •jiuoad.Bollr|fooiipap.Baaf|ioawailiVtBfcBaH01lii>tk.toaliooaia.oit.ia nr ktopoyaaolaoaiaeakRmBordr,raaM99«ro\Cokoa^ Baraioi torto loake tapitad (rnafrrri cn«a'roiMt)ordai,and«aoBrotoatMoiiaMMoa>kryov r^i«>ti>»raa).VattyMdWow>,to)w«attt>to* tatTTanaoKavoBwoonawlra^tdoraiiawAoaMMn aifanoatb. owyoaikinlteootoaraaoaaoaKlroihkal >ki*a lunpwrocogatato raarto tajalarlatVfrMWeoW. prooMtowyoerriaaoannnaotja. WkatoWoarfcmotto«.oaro»»ato>Pi»ao a«oWMJ»e*r!). rrworamoprotkaioM towoB^of»»ftao»rVbaOJtt)air»tow)«*aBadtoa«J, Aliofi aok(JotJaiei*inatalk,oaanlgranal.ate)rooaUdoyiaotkorawatloUioa okl yonBon Irkdk goatkit tooaaottopnbon a«k toraoaaaat.pa aayactaMto tyfA>.aBtna1k«Ubiiow»aa>%Mtwtoror>«^ Pty tot rwaoHog oaoant oa)oa la gaoo.a .oMaa Ya) oak Matwooftoa ooy ata to waAasanaorkaoar. Aliupa^ BaMroBi^iuojroak,iraao>iraol.aiio>aal»od t>on>iaaf)ttoiaa«owo«a tm«Mtowraaa«aa«arkkr^a hTmokk « wtlt 100 oyo»tlto»JtoaB«Ml.Hto1]»rUttaokal>o»a«aoayr«aoaoloo.kaa|oat>waw,aBWoiodaa)kpiaraoooaido»totaail»ioa»too»laaow. V» ataoanal b to ptpak a oavtaa.olPuOoaoaaaoNtataaardkaof aaowt a u u.kiaorimaaa aiaoadkoayoka .oaioTaoytooaMort b*k. oloaohoa.) 32&  Bank DENNISCLIVARE3 taatr&HunDor^gg^^BJWi t*yBantDu»Dttx Msy2B,awe Paet3oT4 For 24 Hour Oood Neighbor Customer Servtee, Please Call: 10770F4-VTSA (1077-734-8472) Average Dally Corresponding FINANCE CHARGE Deity Periodic Annual Due to Daily Transaction PeruentageRate ] Rata PeifadoRata Fees Purchases $7,226.14 00274%* 849% $59.40 $0.00 Cash $4,270.17 00848%* 19.88% $7uriNmi>tidJ///^£BKl Former* Due Date: May 2D,2009 Pagt4olt For 24 Hew OoodNeighbor CustomerSetvioe, PieaM CaH: 1077-SP4-V1SA (10TT.7J4-8472J 328  Account Number: Payment Due m\^mmrtm'i m Iwn 79,1m 1 Bank 230PJA(ET)on: New Balance: SUJtlA6 I Minimum Payment $24744 • Amount Enclosed: $ STATE FARM BANK PO BOX 23125 C0UJMBO8 GA 319*2-3025 Make Check Payable to: STATE FARM BANK DENNIS OLTVABES Phase check box for address or 1893; WHISPER SIDGK ST ' 0021D81 telephonechange on the reverse SAN ANTONIO TX 782304610 side. Ibflfil DDDE47B42 Dim0E4b7 DENNIS CUVARES tamrtltMttiar.^^/^/feasi PaynientDueOatt: June 29,2009 Page 1of4 For24 HourGood Neighbor Customer Service, Please CaO: 1-B77-8F4-VISA (1-877-734-8472) Account SirmtTtary Credit Una Summary L Prevtous Balance: $11,532-60 Closing Date: June 4,2008 1 Payments*:Credits: $598.34 Number of Days In Cycle: 31 • Perchases 8 Other Charges: $334.03 Total Credit Limit: $11400.00 • Cosh Advances; $0.00 Abatable Cn>elt Lime $487.54 • FinanceCharges &Fees: $135.17 Cash Advance Lfmfc $2360.00 • Endbig Balance: $11/402^6 AmiableCash AoVanoe Limit $0.00 • STATE FARM DOLLARS Earned to Data EtWied It* Cycle RedeemedTWs Cycle $194.18 Transactions For«*^H *iytyftjTff4B8i $240 $0.00 $24.16 J Posting Transactor) Reference OesoripfJon Amount Date Date Number PAYMENTS AND CREDITS 06-2749 05-27-09 0915 HERB.COM 886-328-1171 CA $1006 CR 05-2748 054749 8393 SFB Bectronlc Payment -Thank You $555.00 CR 064148 05-2849 0714 ANTONUNE.COM 800-2934797 OA $3456 CR 054648 054549 8876 AirrONLINE.COM- 800-2934797 OA $41w44 054)8-08 054849 4144 PROJECTORCENTRAL 5308324517 CA $8.85 054849 054749 4384 GROUSE WD CMT 8777917100 8T7-6478873 NC $33.71 05-11-08 054949 1103 HERB.COM 886-328.1171 CA $70.06 06-13-08 05-1248 8444 COMPUTER GEEKS WWW.QEEKS.C CA $11245 05-184)8 05-1549 8502 YAHOO *CVENTRIT.COM 800-3184870 CA $1344 05-1849 05-1649 1612 CHUROTSCWCKEN0 SAN ANTONIO TX $10.13 05-1849 05-18-09 1838 CHURCH'S CHICKEN 0 SAN ANTONIO TX $241 054649 0544-09 0897 8PIRITUAL SCENTS 312-4654267 R. $18.62 0546-09 054448 0713 SPIRITUAL SCENTS 312-465-8267 IL $19.62 hnportant Message Regarding your Account BasedcntJwcunercteeonomtedlmatevw^ * \rlee* customers. EfleottveMay 15,2009, your Ce*Ao\renr»U A*reaToeUmltof$5000. tnrornwtoonyourCashAjhranwIJrrHtcw statementorbytoggingontoyou account* etatefami.com*. GoGreentradehycurrr»r*rvr^p«i^ o.cuckon yourcradReerdacsourttrwctoow MawgeStaterrwrtOpfcM toturn offfjaperstatwnents before 12/31/09. 329  w Bank. P«wworraxr^nr^ofa*)rM«rxWt»prv>«nurWw!»)oiir: Wf*a» ~ • " gity State Zp Homo Ptw>o»r«*jrJear«a code) Wom Phono Onckxte are* oode) information About Your Account HmkrbwrkCOkalakVbarRaaaucharoaa: etrbPira Mara* Trorraaofirartaiiiaillaia'FkorKaaiaBor'oaraar.fao^t^aol.oaMoaoahra » olaVk. yoa art aatoratots aam Ska Fan DoBua fc aoaoraora aa fa knao oad TBim Crkraaf aoata, at raraat ot —oat do> Bokaot tod aWBay B ay ko not/ orariBaaoaaaaikywo«a)l^inraan>1ora>oadOadatma PtibaoratooMalvaalUaaMaaOrwlwamtadoiraktMbakiiaiat. 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Motar faoaoai atouata art took rja/rr»rtarfcraa*io>»n BaakaaafHiaiWr>TaanriatMDooOaaj\aM>Tar»jyaBai oofaronortaaaomaal. •iui.ti.latayta)o>aar«»tMatyoaiaaaa^kikairtklaaa>aataaaaarraafaa ktaiaaiailai)Uirawokrkraiar«Ba\rooailWBa.Wa^^ Poyoy a^nnaaar^taaBavkifariotfTMrTVr) oaaat«raotoriaaa,aatooaj»totaa;a»t\«tUBaotiryolrrBt^ PtwaairaaOoia. ?kooyr»r»oo^aoa»awuiMagal.>rjooaopaiBaotaarbaa« FaoayoaanaaaooaToaatakMaattamyaa Bl In'i iiBa-r-Tllll nail I ITB.l.l T itl fll TrllTrnfl ^~|ni " koarfcokuaaarJal+«T7-faMriT». tanaaaarayaaitMaawrewoaoika. 1r*jattaoa.kaajraaTaaaoayuar aackkaaaa aaluolrraokal>iakr,laluoraraoy»aakaytaia>ai.alar«i yoa as aot aioaHyjar^wOartliai your ftaw liiBatu »>ratt»ooa>riarta.ihirl/VfJHf*a».»oa»»o7T-ef»vlwn^7T^7a»<«Tl). VyatrMatraaaaailbMot^rya^oaivtanijo^ Mraiaorafooarlkg >lrjiaa.«.,aaakMiial.alrtiaoBrodoyaaat*apayiaujj|aii)raa arm yoaano atari k fjoraj fcan to oorroa twtroekni ath BaraatotaH yon aay at ftaa ta tya^PMraaaaa%KKla>i%auooa>Rk^t)wttor«>xk«o9nkotVaaaoM>»kraaao*a luaaantdotdTaalday. Mra»raaa(kraiaajrkaraaiaJkiiiii^jkaiil a^nakod ramkaa t«a aaaarao taa Warklaraa)a»ooorrarkbyjurl»ratataor arkw 1W r^uaaiowr^raakoTMjadarwyjOP.^EraaCTTtoaorooaj» appear*tikiiiiarry. mka of yoa ra«*o adrjroa. «r a» oaa a orxnk ka roaoaaat, or I nmnahd looko kranakiBaklkaa|k,BSoaMtoyawaor>raaloaaaaa^ no aaaraaraot kr ka ttaarfc-or arrtoa. atPiaohaaaaJa naara. aajiaaii ofaaoan or oadtlntofwit.iaa Bla^illkoayoraMoariaoraayooJikiait koofkootaiutaal 334  gjBank DHaNJSCLTVARES ArjmmtNumtmJHHHftesSt Ptyraant Dim data: July 28,2009 Pago 3od4 For 24 Hour Oood Neighbor CustomerServtee, PleaseCell: 1-877-8F4-VISA (1-877.7344472) Theeffective Annual Percentage Rats farthe period Irs 13.65% This ratemay vary. Please enter accouTit runber on ail drecfts and cor^ before Payment Due Date. 335  *MaHaM«l Bank. 0BrW«8OUVARE8 Jcrxrtttnabor ^••••fcsei PaymentDu»Date: July2»,2009 Page 4of* For 24Hour Oood Nelohbor Customer Service, Please CsH: 1-677-SF4-VI3A (1477-734-8472) 336  Account Number: 6881 Payment Due August 28,2000 j Bank. 230PJ».(ET)cn: New Balance: $11,811.82 i MinimumPayment $265.66 Amount Enclosed: STATS FAKM BANK PO BOX 13025 COLUMBUS GA 3t*IU42S Make Check Payable to: STATE FARM BANK DKNNIS OUVARfiS Please check boxfbr address or 10935 WHISPER RIDGE ST BAN ANTONIO TX 78330-3610 ' 0021893 Q telephonechsnge en the reverse side. IbBBl DODSbSttt,]. OlVUiliaif DEoNSCXJVARES Arawtr«jattOT.Mj^^^BeS81 PayreontDuo Date August29,200a Pbvo1oT4 For24 Hour Good Nelflhbor Customer Se^M, PJeatwCaK 1-8n-8iM^«SA fl-«n-73aVB472) Account Sumonary Credit Una Summary Previous Beianoe: $11,588-28 Closing Date: August 4,2008 Payments*. Credits: $27848 Numberof Days InCycle: 31 Purchases 8 OtherOhBrges: $46755 Total Credit Lfanrt $11^900.00 Cash Advances: $0lO0 AirarUteCreraUmlt: $0.00 France Charges&Fees: $135X8 Cash Advance Limit $2,380.00 EndtnrjBetanoa: $11,811.82 AimuebleCash AoVanoeUinrt $0X0 STATE FARM DOLLARS TransactionsFon_VaVa| Eemed to Pate rBFOB81 $201.60 Earned TW» Cycle $4X8 Redeemed TWsCycJs $0X0 AjraJfcrWe $31.60 I | Posting Transaction Reference Dorsoriptton Amount Date Date Number PAYMENTS AND CREDITS 07-1808 070808 8415 PAYPALTJIETRESCENT 402035-7733 CA $29.88 CR 07-28-08 07-28-09 8549 SFB Electronic Payment- Thank You $250.00 CR PURCHASES AND DEBITS 07-08-08 07-0349 4414 OBOLODIS.PIETRO CTTTADELVAT $15.41 FOREIGN CURRENCY 11.00 RATE 0.71382 07-0809 070809 4414 IrnERhUTIONALTRANSACTION FEE $0.15 07-0808 070709 1738 CHEAPVtTAMIf4S.COM 608-393-8444 MA $19X5 07-1008 070909 0370 DAIRY QUSN#3 WESTAV SAN ANTONIO TX $14.65 07-13-09 07-1009 3789 TACO BELL #21387 / 9033 SAN ANTONIO TX $15.42 07-1309 07-1009 6332 AUTOZONE#3130 SAN ANTONIO TX $9.72 07-1408 07-1309 5147 . YAHOO TVENTRIT.COM 800-318-0870 CA $13.94 07-1608 07-1409 3172 CNEWA UNITED STATES 212-8261480 NY $22.22 07-1609 07-1408 7185 PRIESTSFORLIFE.OnO 7180804400 NY $11.11 07-2008 07-1800 0088 HEB GROCERY «80 SAN ANTONIO TX $71.04 07-2009 07-1709 1882 American Oa betesWholeea 954076-3787 FL $12X3 07-2108 07-2009 0039 DAIRY aUEEN#1 FREDRIC SAN ANTONIO TX $1046 07-2709 07-2409 8631 PAYPAL*STARTECHCOM 402035-7733 CA $31X4 07-3009 07-2809 0741 JACK IN THE BO00009282 CASTLEHILLS TX $16X6 07-3009 07-2809 2588 LOU'S BARBERSHOP SAN ANTONIO TX $16.25 07-3109 07-2909 0031 DAIRY QUEEN #14566 SAN ANTONIO rx $8X1 07-8109 07-8009 0705 C»rVa°UVESTCC«PCiRATION 4264511959 WA $30.71 080309 070109 5897 8YX-llOERDIRECT.COM 800088-4437 FL $56X8 080309 07-3109 4456 POPEYES CHICKEN & BIS SAN ANTONIO IX $25^42 080308 080109 8165 HEB GROCERY #480 SAN ANTONIO TX $64.03 337  w Bank Hoeso tnttr change ot tddfatt or taaphona rwrrtawbotoar Address Cly SS» Zip" HaratPtotafjrcfuotBiwoodtl V\rbrtPtw»fjr«Ajr>»»ra«code5— Information About Your Account rankMoa«kOalotk«narnoarB»OMritt: etttaNraBatkrae n»Md&m>mwt^t'rh^awB*maito^r*Md>fo**ume*m**» • atjfear. yoa aa aaawafkaV aaai Skk Farm Mm In ooxaaaoa aitti nokrma an) 7^£^m*!?''PS***lm'm* **'****'* •*n*lt»*»tO»a/ ratta»t«liotra»tkraaia»^atBaTor^ ^^^!^to^*fw^S**^TOto-'^"^w^<'«,|k11,~•»•01 tak>m»»»arjk»raaBt*Voa0^e«aayowaam»a^a»l*aft Oarja dar4.calV«77tB»ta rkrakra»taf>Karia»aBatoo»'roar«wrataOar»&aa«»a: BHIng HBMaaanaary aaBakk aa Viaiam oaV bakaaf .ajankk kr Pamaaa a'okflaj arkafoaay rarw aaCaaaeferaaorCjaiMaaAooolTeorSM *m1mm#mmtot*»»*m^*tltmu&4ymanmtim»til»mt*m Syoukkr ywroa Bwoorj, af yotraafaaatafcrattte afcx-akaaaona onyoaM, ***!"*"• T»ka^la»1i^lttipolya»aaxo«o«r.day,oddaBjoaaPwoaaaoa »atk la«aooopaakaaalatBkkTaa Baa,PQfat^ t>«ro*r»»»YrM-larM-KI3M (kikaJlaiaaroaaaw rarM aakaaTaaokaL, Oat .raoaan,akodaotty BtiM Bakoea oeaiaarjaiBii.VwaaaaoaaraiaioookkraaaBaoto.oBa aaawnyottakoi Woo lkaokri oronar oaarat at. ofka aaarajaorWwkaj.aataaarlaaao laawwoaor»«iiikBeaaaaV>aiiata|1la^a»a«)tlofa^aa»BtkacBikr ko fcyorjrkoa.iiaaamaBta^lrlmnbK Haaj oyoafcfoaoaofkaitiiaaof t. i aa data ka aawtku aark aytaaimaa r*rkyakteMHojrcatTtitrfaM*a»,a>arar»o^baaroa,*»mBt^t^kaaaro.rl>w tooarkaaiaBatrata.rtlnila.ort'taloal of ftyai.ak Ml Ctadat prakr) te yaa aoolroa»BkrBaja*otaotekoa>oaataaaaraabw», aoaont etna] kotskc oak ooaoaa aaanjata PanUaBaana. Pont nafikrl» you ocaaWOaaitjokBSBao»ra>aa,tafcrtaa)kakrat»tik.aiir< Yoado not rata k to. an tarn* k onoBai rate aa ata awaataras, totywaaati oaloaMkglanaaotCnaajo. -*1»r—it mrfiitrft nfniatff lur m nt tominim fflaj mik arijiiB fia hhiiH.i. •acarno)aaoatka okotarlkomaa.atdanfanmatuaanaofentoooBjoiTkaaaam If tmkua*Mn aMBtaO^FMotonirkrBtaaoa ofyoaiartoina. tik yououaafen. rraana rat tank nay aay. ItawatH/a^rwPn^RtkraayowwshaiJaobaxl kwCkatXtltABaaaiaitdrXaaatttlTkkii.iitaWa^ Ifyanaaaaaferaadnkrjayyrs ratalotatUaalraaaa^ atrmalicaratalgptnavaaMoaaayaTaoialaait^kaaaa,^ » ko •VtmcmimaSf ka Boataf yoa it u k SMB. kan ko akhaa rkiao. 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Al|ia»iiiak(laoVa^|Baataajt.owMbkakftaMt»kkra paJiaaiaaa raaania kot«a»aaH»parik..ii aaaarndi kyoaboaoaak or«a>a no ayadko.iia.il >i .mail iti ffTepjtEaakaTfkaaaiaayaavtaatliaa.i.doy. ata of yaw aaaaj alrl.an sr aa an a oaaak ta i.ntl.1. at aa aafcd yoa ta lirkr1aiaaT*araTt.a*taoao>dfcyaatr«)oe^ Tto akwlaaaal kr latretatTf <* arrba. a Paioteaaaa raaaad aiaaidlna afoatatta a ao.la.fcaaoear»aaooraayo» Jiawa) kowan of aaonaa.) 342  Bank. 0ENNISCUVARE3 H»UMAHumbtr.^l^^//g-eKi nrymort Duo Date: September 29, ZDOS FageSoU For24 HourOood Neighbor Customer Ssrvlee, PleaaeCall:1-877-SF4-V1SA (1-877-T340472) The fjffective Annual Petwntage Rate forthe periodis: 13.88% This ratemay vary. Pleem entereoixurt ituaTt^eron s» before Payment Due Date. 343  ItBank. rawcuv-ARES AoxuitHmter.J////^/j3SS\ PtvmertDueOafc: Septearoer28,2009 PagetoM For 24Hour OoodNf^hbc* CustomerServtee, PlsaeeCaU: 1-8T7-8F4-VTSA (1-877-7344472) 344  Acoount Number: f-6881 Payment Due October 29,20081 * Bank 230P.U.' 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(yoalenevowaToaaaartACKafceaoawrr^S^ »yoaBa» tfaaka a*. aaoaaaVofeOooaaaoivbarwywfaaaaoafarKaaadloard, ritiiitmaakj BarjajiTkaiiSiJiia in til, ni tjflTi'.nt—*-"r—"-r)—•-"—• tal yea law ttod k oood Wfttootraot »aaoofca ate fa aaaaarn. yajaayaot haato iaMMraBmaaMaiaaytaaB^^ PW taajaakae tnetadaaoa taeoodaaoaraat. Yoatawtapokr*. oryaraako ye£*a»i«5L^Xti^ *mmt*mUmmhim\im*t&rM.Smm«rtocrMwmx^mmhmm*<,. ^^^^^T!l^^^^'m^^^t^^^'a^lTmm a**..of yoa aaSaj oddraa. ff m, — a aaat. ta ^ataa, or «a. nakd y, 100 kofcdkjaaraotkaa.*«oaorpaiadkyraiooorardoatafcBara«opr* otadaaaoabr ka raaaty a aorvaaa, at noohaaaao oaandagaaBaa of aaaa aaaSefttiaaataaatadkewofaaoaraaa^ besMaraweae.) 346  mfm»tmt\ Bank. •ENMSOJVARES AowurtreitYAenaJ^^HHkeBai Pevmarrl rjue D«»: Octobof28,2009 Page 3Of4 For 24 Hour OoodNeighbor Customer Servloe, PleaseCall: 1-877-SF4-VISA (1-877-734-8472) Tlieeffsotive Annual Percentage Rats tor the periodla: 13.39% *Thte rate msryvary. Please erterecctajTit wmber cm ralchec^ before Peyrryent Due Dale. 347  «H«sMs\H*^ Bank. raeNBOUVARES AawimNuriit»r.0J||^pBgS! PaymertOueDtle: October28,2009 Page4of< For24 HourOood NelgbborOistomer Service, PleaaeCall:1-8TT-SF4-VISA (1-877-7344472) 348  Account Number: PoTjirnentDue Noverrthor 29,20091 Bank. 2:30 PM(ET) ore New Beatrice: $12,458.34 Wnlmum Payment: $942.80 I Past Due Amount $810.79 Amount Enclosed: STATS FABM BANK POBOX2MU COLUMBUS 6A 31MZ-3815 Make Check Payable to: STATE FARM RANK DENNIS OUVAMS Please check boxfor address or 10935 vmtSFBa btdge st SAN ANTONIO TX 782300610 0021286 a telephonechange, on the reverse side. ifiai DDo^cittDfi Diais-ram DBtNBOUYAREB Aorxuntrruraberf^^JBeBei PaimatOu»DmKHomBiimrSa,aooa Psgelotz For2* HourOood Neighbor Customer Service, PateseCaH: 1-877«F4-VISA(1-877-734-8472) Account 8unirnary Credit Una Summary 1 Prevtoue Balance: $12j260.03 nosing Data: Ncvwr*er4,2009 Payments* Credits: $0.00 hfumberor Days InCycle: 31 Purchases ft, Ctter Charger. $aoo Total Credit Umlt $0X0 Cash Advances: $aoo AvanabieCredtUrnk: $0X0 Finance Charges&Fees: $208.31 Cash Advance Umlt $0.00 EndingBalance: $12,459.34 AvailableCa»h Advance Umfc $0X0 STATE FARM DOLLARS EefrwdtoOsfs Earned Thla Cyde Redeemed This Cycle Ayjtfabje $204.17 $0.00 $0.00 $34.17 I TteVroaStlonS For fl^ H^-6881 Posfirtg Transaction Reference flaili aaaVilaaaa Amount Data Data Number PURCHASES AND DORS 10-2W» 10-28-09 LATE PAYMENT Fffi $34.00 11-04-09 11-04-09 OVERLIMtTFEE $34X0 YouraoooumtodriftiiiijrintandS^ today-lfwedonothefrnomyouryrecaaNroyourpayTr^ I Average Dafly Corresponding FMANCE CHARGE ,, DaHy Periodic Annual Due to Dally Thjnteotion • Batenoe Rats PeroentagaRate PWodtcRete Fees 1 Purchases $7.87BJ30 0-0274%* 9.99% $66.92 $0.00 1 Cash $4,378X0 0.0548%* 1849% $74.38 $0.00 | The eeecdve amusi Pt^r^rat^s Rate fcrtlw period I«13j33% TW* rate mayvary. Pleaseenter account number on «• crreclfs andocrtrfjsporetence.Toa before Payment Due Date. 349  Bank. Mnu>afattvt^ci»iJ&9&(Xt))tevbmwirb*lxkMr. c^ ^ai ZjT rlonw Phone CnoUte treeoooje"5 : Work Phone Onoajdesraaoodei Ijnformatlori About Your Account Tiaae«ofaoaaMkaatlaet*raaa«Caan»iftaraBi.traaaarofoaa>kaatoBajawk. Tnoaaeatd rael»eBk>we«fcfenaa*atv1a0a*r>w>MeeaM6n» atoka.raaatrkk8taartadaaaddtnyaaii.rBn. fcotalaaaoaTMrakaauieaPkaaoa yauraaaal Oraaatotaeao.raiar«odaoaor»iaaaslaToaoik>aw Caaa*. aaa*, an «rWP*VaiA (Mt>T**4Uz> o^klap.ltVraarad.ara^oiTtoAwraiaOallitrlaii.i BHaajBtptd. kaaaary . T*taubMea>ot>naiBatottrblfcaot,etpoltn» nr^olBTaraordaaotkRwAlartrownlll «akno» TlwaaH, CtatiAaaaoa, htodaaay ptrkd nil, in Tiaaaaaa. tad any opaoa urn mm<*mmm*llatmw*mmiM^m%bi*^al&Mim*toMmiti1imatom I you tank yoa laTkwiorig, ti I youintj rnraehbmata abrat a arroarnxi a yourb« ofriaara«ra,aekaitaooghra«taauaaaTyoaartora**ca Ukg ojofctar eaotiof taa tjaaaaf paiaakat atddVUo ta aaaeora too* tyte aorranr ofeeafce»UanjoyiaaTMa,«»«mko»»Bti dnaytabood*fcryoorimutilfcraaoaof liar aaneandA-e-un tartar. B.aa tjiaa nr traatafriia Tliaaaaa ifctolkeaeefctoifcuiiiaal atiaaa.a I. njatiaaa 3.TBooakraaouaoTakaapoaadaror- p«a»laeBe1adraTntafr.)eodt*ttaaAdatJom S.r>ea*B»ewoaBrt>aoBdta\fy9toaa,aIyyoala araoad aaa aao a o aodi lab..., a Ska toot of raaaaakoad Oaaai aakd k yoor eaali»iiiBaOTi.tui,o\aMB. tatoayoaaaaaaaalaM ao-eeet dan*. ketSkl oyokoqaakw eaoadoke KaAanBaaco. r\a*aoa*po*«l to y«r ar»riadara«talaajoyataaeakoaa»dka^ Yet dorat Baa to aay toy aaaai a niaetiii art, aa ta otoiUnao, tot yoo at ta uHjawaakerk.aaOleiti rJdfctM»iavteta»ofy«*MManMtot»aate mimK»mr^t»mmmtmifm^mMt»fmlatiktmitclloii1>9mKi»m>i To atopturwaaa. your B- ta TINantXCHUBSoa ko tool of yaw aakaord k SMB, kaa *• atkrnom ntaaoa kaa mMm&^tmtmk&^t^^tKnkxrimtonaKiknHMilbmi.Oi, Ctaaja. aa aofcd k yoa aaa, oad aowiaam. boa baaa oapaid k yoa Aooourd dadag ta yoo aay otl a. at ta taepaona aanbor tjr Caotornor Santo aaoaa oakefcM oltwj bftogarto. aajkaoMetlaMftiMeaaawdtyabtlmkeettot^ AteewrdMeanataatChWlWotkotaaJW UtaitMeAcraaWlratrarBrin BaaortodtoCadtlBeTtaBli OaaawTrarafa-. Bowttii ka fcoktagaad.fco ladniuf^noaParonaHaFfciotoi kabenioyokaoyeoaoak. tea aay or ko CkraieoraTnt, Ariail Piouaakuupake of ta We kmak kforoarba about yourdorsumto cadi baroouo. Yoo taw ta rtjkt to dapokko OpayPorWlcBako. aeoinaoy of So rrtorraetb. aoMad by ataaj to oaat Skk P*m ffc*, retn* M. Bepoat, •eaarrttsrstocBt Bond At EWrara/ Nodoa pad Dooaaaa To: Tloaaeiir4aatBkai»rAttjerarwiraaatklpa»^ sadt ram Beat, WBot3»t.iraeaie\1S3» yoaptykeeaka aaa Saaaoakjaa r^naaatooa Qakoaoaaoa kefcoat of oavoatonoai, VoaaayaoMakan itaaj. oaraaaaar oWtatajeyrkkatiaaikoy aa kal prakd to lapurfaa)Inaa,TBaBoranaaftorbad BtoodYeaCand aaa Aeoaal f tat ojbfc bagaa a* a aawkee teknot of aao or ta raartaa bakaoa k aat»»»lBajaaytfryniaaBaiiaa%y«iaaaaaiiiaTrhar»iiiaaadiiM|iorliilkixii.i.iliiitotwdaa)laano». Taofaafngdokkaaaakaa a arafcr iirikka. a kal im oflanla. know k at tatafooBia of t tfcjoted arord, aad ba arataVpnooHtataaaatrjatoyoaaaiooal etrt to Ska PermCaak, P0Bait)ra\ rtaaoanokn. I IHIrAdtM. Weaap™. ol o« »doBja, onbntaitofauiakknail aaaiayaiaiil ayta aaaarartfaaof yaaiauotk atlia.nl,k aaaataad aaa aaaHna a torarty°aali1»iiira.liBlnato»a\TOBoi»O^Craartoa,w Payby Bawta fcrtao wartai aayaradrroofTVTI atarAaaaatoaa^aaTaaaontoaaararaTtaMtaaaTyoaraoa^ PorapaDoaDafc. ptaiyragoakartaaraapayaarrlyooaviwrroMaatortooaa l^arry aui.luiii oroaVo»«aaito«to»arx«tyoaAcooofatVrrn'«s«n7B paajatauaiwaaaadaoa.iait. VVawaaaaatotaaBaBoayoailaalrtoaala anaac>raBkailaato,tafcar>aa>U«»draaa<»ayogaaraaaooooaataaraa Bpooal .MaatrCrtdBCtrd nrro.aw. daya»roo»Veyrarraa»»atoadyoto«totreaaatyawra^ liBirl, . ltioiM»mw**m)Mmit.m*e*i*n-af*vmt!4friJIM4U3i. Sm>™*lrt^^to'^«ttat»aMato,wii,1^ andye. beat Bkd k good a*b to omeat ko proaaao o« a» rrarrrtart. yw raryud bavofc ByMBP,bl BaaariTl»«,Uori«tyrone* rWoytar iiwiaabwkaa dayatakbaaadad to ravatoaara«ri«aw«aaaoataa«>aaterAy>i.iM yoaAoiotTdatottkieay. WrayrM»rtiia«ircarear^owalOTiral,alri>iopoiwid rnirroaaprtaaa.mwakanMOardtarairrtaaaaonakkyourrioaaiiklBorotta n» rgiaafatddraari.raail.tiilWPJ^taaianaoirMaaynoa^or^haaoailay, adat at yoa aawro oddaae. (If at owna oaeaa. ka mikin. ataaaakd yoo(a liufcaai Ba*r»a»tya.aSla ia•.«»!»»aoraonote^ Tn* alaraaaarl kr to orotarv a aawoa.ad Pviiiaiaara owaad laanHin el anooa a MUdBmofoiyaaaa eiiaaffctayiaa aaaia taajtediati.1. axatta ofwaatai.) 350  Account Number: Payment Due December 29,20091 MIMAa*^ Bank. 2:30 P.M.(FT)ore New Balance: $12,666.41 Miumum PoryrrranC $1,274.26 I Past Due Amount $942.60 Amount Enclosed: STATS FARM BANK PO BOX MOM COLUMBUS GA 31*08-3025 MakeCheckPayable to: STATE FARM BANK DENNIS OLTVARBB • Pleese cheek box for addressor 10935 WfflSHOt MDGE ST telephonechangeon the reverse SAN ANTONIO TX 7I2383«« Mfll D0127M2t.7 DlSbtmil DENMS0UVARE6 Account NurrrbarJ^HHj^BeSBI Priyrtort Due Deter Doo»tiiber28,2009 rwgelof2 For24 Hour Oood Neighbor Customer Service, Pleats CaB: 1-877-SF4-VJSA (1-877-734-8472) Account Summary OedK Line Summary | Previous Belenoe: $12^59,34 Closing Date: December4,2009 • Payments SCredfe: $0.00 Numberof DaysInCycle: 30 I Purohoees &Other Charges: $0.00 TotalCredBUrnlt $0.00 • Cash Advances: $0.00 AyaSableCnxft Umlt $0JOO • Rnanee Charges *.Fees: $207.07 CWh Advance Umlt $0.00 • &kJrig Balance: $12,888.41 Available Cash Advance Limit $0.00 • STATE FARU DOLLARS ] Earned to Data EdaTwdThls&/cla Redeemed Thh Cvcla $204.17 $000 $0.00 $34.17 TlstfltQ OtfORSFOTJ i 1-6881 Posting Traawarction Refcranee Doscrfptton Amount Date Date Nwnbor PURCHASttS AND DEBITS 11-3008 11-8009 WTEPAYNrENTFF£ $34.00 12-04-08 12-04-09 OVBtt4MiTFEE $34.00 YWffeecourrttenw THREE PAYMENT8 PAST DU£ and may DAMAGEYOUR CRH>ITRATING.CaBus today at 1-888-834-0012 to make paymrjrtarrarajemerta. I Average Daily Corresponding FINANCE CHARGE ^ Daly Periodic Annual Duo to DaHy Transection • Balance Rate RsioentageRate PeriodloRate Fees I Purchases $8,011.81 0.0274%* 9.99% $68.88 $0.00 1 Cash $4,483.19 0X»548%* 1939% $73.21 $0.00 | ThefaaaC0VBAflflt^r,ajirMa^^ 1339% This rate may vwy. Please enter account numberon ellchecks and correspondence. To avoidadditional Rnanee Charges, pay New Balance before Poryineut Due Date* 351  w w>iii«H Bank. Ptoeoeenterotuoge ofeoWws or atatf^hotw twirt^ boato-. Arttea taty State Zip Home Phone(Inohjee areaoooe) work prone (Indude tree oodo) Information About Your Account IknkltMrMcaloaaatToanaarioteaaraaK StotoreraDollarek Tbaaadoloaaokkaaa:baa,fla»»aO»aBOr'aaraai. Foroart tyeaof raauflria tola « rajM*. ya» aM aeaarafcaay ana oak Para Ooto* to araaaao. aok ko arm end *fk.m Crnuna/oajna^aacetwakaaaaraatoat/lakaii. aad raatajl' n by ka Oat/ oMidrOia dartaaaj fc yoa kak ta^ OotuaTaanaeadCotataaakratairtotw liiii.yoe r^aatBraBtoraaaattatotaaapeeraT/toaaaa^ neaaeerfc) matt tarn yoa Oka. 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Tn^arMaeAr^ottaf^aa root eke >ua aeejli weaaooad ln1eor<>a(aOad»0i.iaartaa)O>r.aa»ir(liaiijl«a.aryaii)iiJa«iaa>lkila>j S pa lura artMrtrad aatoyatiaaoradtiaadllSaoaxnttkdb'tnayaaaaaaaao^Mdaj ooootnt, toe eta atopke pnnaat ontoy aaeua yoaftfc>fcanoa.1ee1orlaraynaabyatr » aa TlaWra^CTttfOPaa ta kaa of yoa etaa.a latUoa, taa taafcaaa ffcaaa ater raoataadh at tirae hraaa ilea, birlm totraaaatowiryaaiikeaaodiikdtooooor.Or, Oaaja, oa oekd k yaar oaet oad ait, mum. Bat bean eopM to yotr Aoooaatdwka Ba you nay del et a ke BtHia. aunber kr Ifravwa eendea aboaa on ke toot of ta baaieyda. aakrarteHaMttaariaaaa lea baaa.tataeaaaaapayotatkoaaodoojdtooooa. AeonoaaBaoSarfcaaCniBjeatqreBtoipeataonotafanB BkpeitJi|Aceoea|baoantaaolkaorad1o«^ raaaopTrarakr. 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Maocnaaday.kMto at VoTWa^Wmfjjrr-rjI-Mn) tyogerrpaa o»yuaau»ajwiaj«d»a^a»Ti.HTr»r^iita..uiiiapa>iilfcarAaa.taa»WMrr>Tta tofeea.bWtoroaaairitreditaoryoaOarAYotrta«tta ofcaMO*kryfar«aaatinrat^a*a»aat TaakaoiianrarMto ooomptaTanaaaViaotoBabk»k>«oe aradwaaror^H laf^a^HYWSMOM, nataa Titnttera. orakakarkaj. ofkokaa,t»w. ypaakkoatettoitred aot to areata, any attary oat . ;.; notaaooadSBX BToaaOnarBManaVotdtoTowAaanaMraay BaUaoa Pauraana a«b SDaeW HaWIIki aadacBow r..JU^^CullAJ^ .ujidaa aatki 1.1 _ijji] lu ka dlilj UBliuu ua ufli. .aiaaillm ikk til III Tlaa I It a rata" link In Til 11 id11 --1 l| Alomarko. a»l»W«a» AnyM»aaii|kaauaat»^aaralaalaa«atoaii awMaakaadaotalkrraraal^atok lur latt^f»a.kau.. Tnooootraj Oakkkadale aa aateai aokna. ^kiMml*MC ketmtai fcitoaa. m toy oka atilaa. at nay aooopt ka taaaam tad yoaok on oaa aay wa.adaj etanoa. Or,»» aay refaaakoceaatarryauoTiBaaaaant ay aaalig B to yoo, YotiravravalatanotyoaltairrhkaoeaaarfaM. Hapaa^yotiavKidaayapoyatfcoBl adoaaag ". adaaaayag I Alotar ptyaoia anradd baant torarayaontaddaaa aaoaa taUMaomlayaoallyo^rtatnekf^nak. Mtlywraryaeotaerktoueooaia. oataaraiofkaarokmorrl aoroneuMey fcaapparaorla of yaaraenle>eaataa>ai,klaeriotoBMataaarnaaape« lorapayiiairta.loarrtaBaapatnapi»iTTY| oaeataraurayonfa, adBeaoak aBjaouaVktllraa txyowraanaeattoaardiater Bay -Bini".*ritri "*nnftf—*fr--*-t—-n—11 *~* **—*-— r»eayiriiiljaaeaai.aaitMil»i»ttt»yowA|ra»axu>a» >QaaaaMtr»yarcatraaoaaiaiaukaiaa^auaLla»haaaUtoayoapraBu«aa r»artajbajabprja«Tr-8»M6r«. praaararayaoalaartaet awiuBja, train aaoakaaaafW tra youraao. kawta at ibi.u.atadtoian^.taBarkray aaatlalraw aoayoarocceaaaaooa teaataaa SBteki (tit tarCrtdBCaaf rwtattta 4&mllBi^BMttltMMiw&yMiw%Mt&WMyollG¥m.tHdk1nitOIMt*n9!m kokatan. ViaaaaaaaayoaBaoMrtoaAWfaaaEdMn^FaJVIM » yauaaa a orolowodk oaoaaaVofoteeaaaaraoaaMlyoaB'rotooalaanaoaatoMd, Meoaaad.tabaasekaa) aidk. nnaaWaatT, ae)rooaWdliya atapayraaa)atdaaaa aad yotroneefcd k flood ttk to gaoafaiaaaBa arta ka aiirfaai you tay«lt»»ilD aji I >l !• II I..aa kot. Main knaajt nil.i |n aiaaklak aa ita) aati. rrtft.il m rwkeattwkkBoaeiodeaeoiewfraealaaenrlM aaa/«»ortatrj-pWda»AlraatwttOpBld^ patwaepita eea«»i*ken ISaadtaoaroaaeaaaaadato iravaaneaktovakih toTI byaklatatnMhdhaajdaaara^PJLratkaTawvaiaayaon4aekaodaM aaa of yea aaaha addaoa. (If aa am a operate ke aaroaaat. or• aa aotad an too tokirBuli.all^tlaa.aahaiaaik.ilairniaamnaalmf.niiia.aj'nftlr'-iii-^r Da adartaaaaa ta »* propprry a aavba, el PWobeaoaaa oooaod aeaaflaaoraaoak a oaoaraofarynaak aabaiffcaayaBoroaaaraityto llaa.1. kottka rxratoaatt.) 352  Account Number: Payment Due January 2fl,20101 Bank. 230PjM.(ET)on: New Balance: $12,995.68 [ Mnirnubii Payment $1,730.18 Part Due Amount $1,274.26 Amount Enclosed: STATS FAKM BANK romxuns OOLUMBOS CA 3U82~301S Make Check Payable to: STATE FARM BANK MUMS 0IIVASBS Pleasa check box for address or 10S35 WHISPER RIDGE ST SAN ANTONIO TX 7M3M6ie 0021067 • telepnonechangeon the reverse side. PbflBl •D173Dlcm aia^st-ai DBUWCUVARES AaxtrtUmber. ^//^gM-Wi Payment DueOtto: January 29,2010 P»ge1of2 For24 HourOood Neighbor CufrtomerSendee, Please Cal: 1-*77-6FaWiSA (1477-734-8472] Account Summary Credit Line 8uTirnary m Previous Balance: $12,666.41 CtosiigDate: J8nuary4,2010 • Psyindrttsft Credits: $0.00 Number ot Days InCycle: 31 1 Purchases &Other Charges: $0.00 Tr^CrecltUmlt $0.00 • Cash Advances: $0.00 AyatobieaBdltLlrTtfc $0.00 • Rnanoa Cherges 8, Fees: $32927 ttshAdvarioeUmlt $0.00 • EndingBalance: $12j395j38 AatalabasCashAoNroUkxLoTia: $0.00 1 STATE FARM DOLLARS I I Eomod to Date Earned This Cvcla ResrWmsrJTNa.Cycle Ar/sBable $204.17 $0-00 $aoo $0.00 | Iranseotlane Foe flH rflB-6881 ftstlng TfatfeVotton Reference Deecrlption Amount Data Date Number PURCHASES AND DEBITS 12-2949 12-29-09 UTEPAYtrCNTFEE $34.00 01-04-10 01-04-10 OVBOrUTFEE $34.00 YoiJacwSFisSERlr^^ payment Phase elrdbte, you aS arnaertaJry earn Skk ParaOoBn to aoarotaoa •« ko torra and Ttoaaoa Chargor oottot, at oikatatoao aiarara o»rybaerw «d tntJt* floy ta Daty oraraattoaraadfcaeaSkto Fare Ooaue leae anda*esne tartan eaparaaaot yoa PoTtaMrejaenranaYtala«B>oeendbjfceaaatvofde)»kfce^ Tnenaaedd neataea tea BaseIHr* ton*YtM Oad. 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Payment Due 2-30PjM.(ET)on: March 1,20101 Navy Balance: $13.331.751 Minimum Payment: $3.627.971 Past Due Amount: $1.730,101 Amount Enclosed: STATE FARM BANK PO BOX 23026 COLUMBUS GA 31002-3025 MaltaCheck Payable to: STATE FARM BANK DENNIS OLIVARES • fflease check box for addrees or 10935 WHISPER RIDGE ST t* 0045273 tetephonechangeon the reverse SAN ANTONIO TX 78230-3810 side. rjbflfll 003(^57^71 013331753 DENraSOLIVAREB ASOOunt rajmber. flHggggf4881 t>yrrr»« ttej Da*: Mart* 1,2010 Pt0OlOf2 For24 Hour Oood Neljjhbor Customer Service, Please CaS: 1-877-Sr'4-VISA(1-477.734-8472) Account Summary Credit Line Summary L Previous Balance: $12*96.88 Closing Date; Febwary4,2010 • Payments* Credits: $0.00 Nurnberof Days h Cyde: 31 I Purchases &OBiarChanges: $0.00 Total Credit Urrffc $0X0 • (^Advances: $1X00 AwDabieC*setbekrm AoMisst ' ' btry state Zip Home Rtons (Inoa^erinocde) work Ftwne (include area farads) tofcrmabon About Your Account HnliraawWoCAvratoYwnanaaareoe Sclera DobmrJ) rjafrootofroBToartt^lt»i^ B atata, you all araarartaty earn Sbte Fern Draka to axadaxa a«>ba> tana end y°»y OwpaT eKBan, a* abdrie enoarage dot/tatora and rauntoo/ KBy Baraoa> ranalaeadfeaead tapaaaaerm re/kdtettooarMtaaaia*a»BldBrto*w laenPkaN maat atdiyour Ska Para beatVatOad. 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Yo»BaaiBaarala»ttoeBa>ainallla twfraaaatatefMfay. MpiiintnbftaJaekBaliuaeataIMbuaiakMnaAeMreownid rarrdaaaprtaaatraonrantSOtrdtraLaudaaaararJthaaaaraaaa^ IjrMateaotBeBaaolrayMoTtar^tXBadaraTaraerw mat of yoa aoTao addnaa. Of ay oaa a aaali Ba ^rctaar, alaemtad yot tht atatSa|bir*lBiriatti,aek]p*atM Tte eraaaauaeat tor taa rwptity or oaalaa, el ruirrea. ae oaoarod aaetidlea of aaoaa a raedlaraofrjnreyraaairaraMkearaaarnawtiievwa raraOaoraTpiraBarj,) 356  Account Number New Balance: $13,578.07 aaaaiwa, Bunk Mlrtanim Payment Due: Payment Due by 5*0 P.M. (ET) en: Past Due Amount M2B9M April 01,2010 $2,19&22 ArnountEncrosed: Make Check Paysblelo: STATE FARM BANK© STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902-3026 | | Pleai»cf»ckbcwfcrackirBe80rteleprn3ne change. (Completefafm on the raverseslde). DENNIS OLIVARES 10936 WHISPER RIDGE ST t* oo>m?w SAN ANTONIO TX 78230-3010 aflfll DDMSaemafi Q1357aL17B .•V.Psle^lNrp,f»«» irS*9.fthe*peyeb»e>p otatcFAm BAjwarWrand ^ For24HourGkx>dNelo>ir»rSeivtee, Paw id4 Please Caa: StatetrtentPerkx): 02/05/10-03/04/10 «ifc Bank 1-S77^F4-V1SA(1*77.T34*472} Account Number AddMoralcontact brfbrnaation locatedon mverse8lde. PaymentDue by&00P.M.(ET)on: flaaHHHN881 Aprl01,2010 iiSummary of Accocnt Activity Previous Balance: $13^31.75 ToMCaatfatUrdt: $0.00 Payments &Credtts: $35X1 Avf-TatfeCroStLki*: $0.00 PiifT*ases&C)eherCaiarges: $0X0 Cash AdvanceUmfc $0.00 Cash Advances: $0X0 AvalbsbteCash AdvanceUmfi: $0.00 Fee* (barged: $34X0 Interest Charged: $24123 Closing Date: Man* 04,2010 Now Balance; $13,578.07 Number of Days In Cyde: 28 ftPayitHyntinloaTraflon rtevrBalanoe: $13,576.07 UmlrMimPeTymerit Warning: rlyoiiiTOteonrythernlrilrnurTi Ult^lrraumPijyTrarjntDue: $4^tS9b48 paymenteach period.you wU pay moreki htarestandttvrimaka Payment Due by 5:00 PJl (ET)om April 01,2010 tartgerto payoff ycaurbaiance.f^Btampla: Late PaymentWlarnlng: If weo^fwtrecarveyoijrmlrJriajTnpaymertt rryou makeno You vrll pay off the And you wlBend by (he dateand fJrne toted above, you meyhaveto paye late fee up to aoyiocnalcriargBe bsiarx»shown on up paying $34X0 and yourAPRs maybe(ncfBaeed uptothePenaltyAPR oi using this card this statement In an estimated total 24.24%. and each month about™. of... you pay.- Only the minimum 33 years $29,667 payment If you mouldDee friformafion about creditcounseling sen-vices, call 1-877-734-8472. (iTotal 8«jtePaiTnDsflng TlaflSjaCllrjII r^rjfereBOB Date Date Number Descriotran $ Amount PAYWNTS AND CREDITS 0302-10 03-01-10 7400 AVV8*VVEATHER8UG STORE 086-436-6928 MD $35.91 CR ftifcS 0301-10 03-01-10 LATEPAYMENTFEE $34.00 TOTAL FEES FOR THIS PERIOD $34X0 llaTTaRESTOlAROED INTEREST CKARGE-WRCHASES $100/14 357  Pfrato orrtV change of oddrow or tjargphtano ngrnber raster: RBrrSt U»y State Zip Home rTiorte [aioudaareooorjo) Wo* Runs fjnelurje area eode) (!To Corttact Us Ragardlng Your Account CD ? B] Jfj ByTeteprrone: Sendlrtqulresto: Iktaa Payments to: VU Our Website: lrtU.8. 1-877-734-8472 P.O. Box 87 P.O. Box 23026 vyvrwjrtatefarm.com Espanol 1477-734-6472 iJ^wlLHryw York 13754-0087 Cdurnbus, Gs 31S02-3025 TDD 1477-693-3879 OutaWe UJ3. 1-706-644-0832 Information About Your Account HVaU.rt»BT.CaaKarb Tear >.»>»«aargaar aaaatj reynarrle netograrteoilttaTnaatatlmlaBWM Tbaottofwafketltalet«'.kie«rlav1a*w>aaii torearli ataeftiiaila k ke a,ataal Uuuar Baton, ae oaakb an rouraot taitlaattofaaurllareaeaaelaiyka. Iluaiiiay Wa(wet Ida nam eVatlyuui enaaaakoadttuaaa. 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NewsAmportTantMsss ragesetc-. ^Ycuratxfjurils SK(8)mYlrTENre PASTDUE AND Wl^ rerjcrttottocnyJtrepofTjTtgaga^ RjnjRE. Can 1-888-rB4-TO12tomateapeyrti8rrKrx1ayt StateFrjnr Banl^istTffiwvtigtte m 2010. Thtsrtarv^maynotlmpadywOHi^ Please referta Hie Werf3etC»targe(3etaiteaon WMttxionlhte statefT^toyourrarr^AnnualPraaT^tageRa^ 359 t^tay ' r^BfjaVotV 360  Account Number: :1 New Balance: $11,840.46 Me**tUUU| Bank Minimum Payment Due: Payment Due by 5:00 P.M. (ET) on: $11,840.46 May 25,2010 Past Due Amount: $2,611.41 Amount Enclosed: Make Check Payableto: STATE FARM BANK® STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902-3025 Q Pleasecheck box for addressortelephone change. (Completefarm on the reverseslde). DENNIS OLIVARES 10835 WHISPER RIDGE ST *« D0MM3D5 SAN ANTONIO TX 78230-3610 aflfil DllSHDMfc,? 011flMG4t.7 <3r. .Detach hew.. Pyei»B.rrujte.<^A For 24 Hour Oood Neighbor Service, Pose 1°< 4 Please Call: StatementPertod: 03/05/10-04/04/10 Banff 1-877-SF4-VISA(1-877-734-8472) Account Number: Additional contact Information locatedon reverseslde. Payment Due by 5:00 P.M.(ET) on: eyHaaaaaflaN681 May25,2010 iiSummary of Account Activity Previous Balance: $13,578.07 Total Credit Umlt: $0.00 Payrnents& Credits: $1,771.61 Available Credit Limit: $0.00 Purchases 8 Other Charges: $0.00 Cash Advance Limit: $0.00 Cash Advances: $0.00 Available Cash Advance Limit: $0.00 Fees Charged: $34.00 interest Charnod: $0.00 Closing Date: April 04,2010 New Balance: $11,840.40 Number of Days In Cycle: 31 I Payment Information Hew Balance: $11,840.46 Minimum Payment Warning: If you makeonrythe minimum Minimum Payment Due: $11,840.46 paymenteach period, you will pay more In Interest and Itwilltake Payment Due by 5.-D0 P.M. (ET) on: May 25,2010 longer to pay off your balance. For Examp Late PaymentWarning: Ifwe do not receive your minimum payment by the date and time Bstsdabove,you may have to pay a late fee up to $0.00 and yourAPRs maybe Inoreaaedup to the PenaltyAPR of 24.24%. IfyouwouldlikeInformation aboutci^ltiiTraellngfMrv1oes,calt-877-734-8472. | TransactionsFor. a^H rjPaaaaat-68Bl Posting Transaction Reference Date Date Number Description $ Amount PAYMENTS AND CREDITS 04-02-10 04-02-10 PURCHASE FIN CHG CREDIT $740.09 CR 04-02-10 04-02-10 CASH FINANCE CHG CREDIT $562.95 CR 04-02-10 04-02-10 CASH FINANCE CHG CREDIT $4.70 CR 04-02-10 04-02-10 LATE FEE CREDIT $238.00 CR 04-02-10 04-02-10 PURCHASE FIN CHG CREDIT $9.62 CR 04-02-10 04-02-10 OVERLIMIT FEE CREDIT $170.00 CR 04-02-10 04-02-10 PURCHASE FIN CHG CREDIT $9.06 CR OM2-10 04-02-10 RETURN CHECK FEE CREDIT $34.00 CR 0+02-10 04-02-10 PURCHASE FIN CHG CREDIT $2.99 CR 04-02-10 04-02-10 PURCHASE FIN CHG CREDIT $0.11 CR FEES 361  Please enter change of address or tetephone number bafow; Address City "SEE 2p~ KomB Phone irauoo area code) WorK Phone [incruoe area code) aTo Contact Us Regarding Your Account d> ? E3 By Telephone: Send Inquires to: Malt Payments to: Visit Our Website: inU.S. 1-877-734-8472 P.O. Box 67 P.O. Box 23025 vvTVW.steteferrn.com Espanol 1*77-734-8472 Deposit, Mew York 1375441087 Columbus, Ga 31602-3025 TDD 1-877-593-3879 Outside U.S. 1-706-644-0852 Infortration About Your Account Hen a How ae Calouine roarktaroatCMrtoK MaUejPvynienta IHanetno Account tifunanfloe Riporkd re Cradtt Bureaen: Tea not of youraaenae Ins a tteak Carat* resfcn. Paract trf*orDOTantakrte-tr«ttaar9oroa>ta,«niaouaia YOaaaet raytlaartaryiarHaiilWaniaayttao. ttanrar, letariar>fctoiiiiuaaoayoaniaaBttooaoTEkaaoaa,roahen anraa. . ... day aaa ........ aad mutt*/ t byka Caty P . . . . . _ txmXm^~lfvtmaamHBtlm,ptimKtbfatfwlmmt ltiretlBac-nrl»raracy,*-a>gtAntr*ripat>d»yaite« BraalaaBiaaidrYAaHrttrrarr^krMblatryola. Tan CuaOati MywiayenTtraa*bl£Oetoe,.r*envaea'l>y tom*2itnHm*il.K>ttmM,atut,l*r**Mlim-U>tt. we add a! ana oraoaeoteam mi ao ao) ay rraaaraa katta«|japwlaiayoriaoik»llalaiioa;i.rieeionarln»in arc aota. 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Vw n-* and • tatty*** t^ajrjikQ of raadi ac mraa oanraM dan bafora na rartnmata: pryaant b t%lk% istyABnBakf^CaWdHoi^ tndadtakn InwctJoa Sthtwrj. nrrnaaav CM Areata an oka rMm an atood to k« drtj eoniakd a oatw. Cr, Too na rel a a ta taaaabe raabtr nY U of Br* &tatB Am Bar* ObHe PrakratOon Praann Tenw md naana a of no taaaelon daa (a on -Taaatoni Data- Murnn cureraerMvlnibamaiaarrnctflJniM>r»M>«ua« Ctoftter. (Wtv« b« IrrditfedtM rnrMMrMri n m ke loot at tna ibkeinrl). AtrareaM aeiaqr wet intttne r«inua>«n^b«rainai«lmiriporra»tls«baiiarftt«m'. paoar«aa>kMdr)Moaraarentoaaa^baaaa. Thepaolai datebtl»otkynaraMt> raooaarJnoanaralMtoyovactiant 362  Page'3"of"4" (TransectionsFor.^H ^BaaaaaT»81 . Posting Traneectlon Reference Date Date Number Deecriptrbri $ Amount 04-01-10 04-01-10 LATE PAYMENT FEE $34.00 TOTAL FEES FOR THIS PERIOD $34.00 2010 TOTAL YEAR-TO-DATE Total Fees Charged ki 2010 $204.00 Total Interest Charged In2010 $777.57 mInterest Charge Calculation Your Annual Percentage Rate (APR) is the annual intereet rate on your account Annual Baranoe Percentage Subject to Interest Type of Balance Rate Interest Rate Charge Purchases 0.00% $8,683.21 $0.00 Cash 0.00% $4,747.70 $0.00 Please enter the account number on allctiecks end oorrespondence.To avT>ldcrddlttoriallnterefjtCraarr»if^ pay New Balanre before PaymentDue Date. News/Important Messages etc... (Your account Is SERIOUSLY PAST DUE. Pleaeecall us tol free et 1-877-SF4-VISA (1-877-734-8472)todayto resolve the past due statue of your account J 363  Page 4 o(4' 364  Account Number: New Balance: $13,612.07 Minimum Payment Due: $13,612.07 Payment Due by 5:00 PM. (ET) on: May 25,2010 Past Due Amount: $11,840.46 Amount Enclosed: Make Check Payableto: STATE FARM BANK® STATE FARM BANK PO BOX 23025 COLUMBUS GA 31902-3025 | [ Pteasecheckboxtbraddressortelephone change. (Completeform on the reverseslde). DENNIS OLIVARES 10935 WHISPER RIDGE ST *-» dcmius SAN ANTONIO TX 78230-3810 a&Al D13ral5D7fc, D13t,lED?t, .^T. P^&hliro. Pffaase mata.diart For 24 Hour Good Neighbor Service, Page 1 ot4 Please Call: Statement Period: B/10 D Banff 1-877-SF4-VISA (1-877-734-8472) Additional contact Information located on reverseslde. Account Number. PaymentDue by 5.00 P.M. (ET)on: flBBn>W68:81 May 25,2010 I Summary of Account Activity Previous Balance: $11,840.46 Total Credit Umlt: $0.00 Payments& credits: $0.00 Available Credit Limit; $0.00 PurctiasesS Other Charges: $0.00 Cash Advance Umlt: $0.00 Cash Advances: $0.00 AvallabteCash Advance Umlt $0.00 Fees Charged: $1,771.61 Interest Charged: $0.00 Closing Date: April28.2010 New Balance; 513,612.07 Number of Days In Cycle: 24 IPeyrnerrt Information New Balance-. $13,612.07 Minimum Payment Warning: If youmakeonlythe minimum Minimum Payment Due: $13,612.07 paymenteach period.you willpay more in Interestand Itwilltake Payment Duo by 5:00 P.M.(ET) on: May 25,2010 tonperto pay off your balance. For Exan Late Payment Warning: If we do not receive your minimum payment by the date and time feted above, you may ha veto paya late fee up to $0.00andyour APRe may be rncreasedup to Ihe PenaftyAPR of 2454%. IfyouwouldlikettifofmaBori aboutcreditoouneellngservices, call1-877-734-8472. (Transactions ForrAVH fjBaoennV-6881 Posting Transaction Reference Date Date Number Desoiptton $ Amount FEES 04-05-10 04-05-10 DEBIT $1,771.61 TOTAL FEES FOR THIS PERIOD $1,771.61 2010 TOTAL YEAR-TO-DATE Total Fees Chargedln 2010 $1,875.61 Total Interest Charged In 2010 $777.57 365  Please enter change of address or telephone number below: Address •City ' SEte 7Sf Home fnone (inauoe ares code) Worn moos (Inatroe area code) (lTo Contact Us Regarding Your Account 3) ? M -^ By Telephone: Send Inquires to: MeB Payments to: Visit Our Website: lnU.S. 1477-7344472 P.O. Box 87 P.O. Box 23025 www.statefgrm.com Espsnol 1477-734-8472 Deposit New York 13754-0087 Columbus, Ga 31902-3025 TDD 1-877-583-3679 Outside U.S. 1-705-6444652 Information About Your Account HnataHoaWaCaralaUYoortnaraaSnagu: ertlno Peya«ua Dira^oo *<«~rrl lr*rr.-to" n^~<«I I.orrtll 8i»»u.: Tha lent at yaaroatanant Ba a -Mant aoroar* adkn. for each tyceofbaasacaan kofeaaeara*auraVanaean,ynoalaa1a»n To.aanp^aprratafyarlnwniwnoiaanyoTie Hawpnr, VntnilrnailrMnaaNtaketvovaMortaoaftouioav.an Una aaera^daikBdiriMainltBatiaarftbrrlnfaer Parr^ younantalweyiaay«layt AaNleaarnrajineiteyonParfflat taittttodnpuwenoaanracy.fBnLataiiiauanecrtad oynrorg brlUraliaaeadbyrlnMribe-oraphranrnr«cyraa Hen Oaataaa. lt»ranrperii»i.»adalnlJsdto»ri, auini»*ilby taacSaaarnaiBat. «aa taaatBytaiaVirlra>aaan yiaCanLanaariotManlBtrunoa«>Bedaett«onntfo» aaatataa). 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Maanai an rata* pyaralpn pari ear) ntiond Byaatonetrnaalealnaad that b nerttd Tea m MP or nnbr nootta, or oat you etiewno •---•-- -»amr,rrKatbaeatloStaai ana*e?ofoKdtaybaBaoka>^taa]ecr*t*eaclertaaa aqantreedjeftacn to^aJa raatrttant, tasaaaj baak wt teaettoa Mrjayi, art taartntod toyouriorjiwijaa FarmBan. roan zm.mjomvlm.t.UKIi.Zat.Wrmm a unoroaaaoaaraaleantaaiaanoonOitaaiaytlvaarBMr^ Unite mnHaaniot day. Tr»trr4ttac*par»i«r«»inc«>oaia wrap* racndlaaant trnmnnrt.. 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Orajonnerceeno lteir«di«Tt,orirmradM uiejadtaa aekoaoaej. en laeeiko rVtan rnoaitaoa ta.tr toojl»rnle,a«diaa)na*oatpiaearnyogilpm yoawa ataitkunat tr em rroptrtr oreavkatjal nndnni ara IreotioradaiiiaaBarnrjrtraenTertaaceeaapad^ coaiadnoaranaofanaatnlooe^orraana.) inoeaaaltinrornarnt/rartiattata. ayo*raar,t>a«tofeaa«M ktaaunan SlaU Kane Bnilr Cractt Pretaonon PMoram Porolaa«eaoar Farm rant Oadt PiMnna «ar«iia*orr"araiiPtlTraurer«»a«nrl»»oaao by o» helrrror. fyoa oool.pare t«raonn.eiaarta>Ontarnyou caogamhoarotraiyoa-aaklarnagaalaaenat baloMaradlirootli WyiaontOaouraBnommrnorloatofrfJi oataaaat an ray naantat muttetd aenatoa«aMaiaea.7tpor«ljn «e nmtbtrwjrt arni«ramotdiar»ci)nP»d»~i»rr)«»iocrOoknia*tlw tecaeod On Sato tana aaa OaotrwaaaaPrrienaiaaayam «. t«r»aBBdloyo«/«roaatBtria:cydab.awir)ar>n Hat an aot k onetan. nTBa »a bnaaana yar ojndna, an Baak Oadt faakcoaa ProaaaK (1) youracorn* Moamea arcre atioan «l yaoratntraermwMy nmaiail. rectipartdt awnmrll aaratlnrinttrnanaanlnauaBa ai«no»ant arakaaryiclba than 60 day. daaaeot; or (2) a ay tare ad Br ay nam by aaataradadcrdnnnidfcttaaapurar artlaor 0ni21naoraotean1aetBaa»o>akaa>ere. •ana On paaeant daa data. Tbee fc a aaa pe-ed tr Cadi jljlnaii ai tin name Trarrnrr ir yoo rem ouAcrand a tt pay yoar creak art bB autaraatfcaly Than era digest- raetarataoror, oandatoaa, wd eaaustaa ear aonyooraanaiawetaalikgkaak^yoacaanatrnF^^ coald iiii t yoo awn tootrtaj taaitt anda Bn tearaRami ant rrbniMarrjHanAaananToufATaraaafaaRyBauHioa ayaaaoaTTtynvtititkBiani. TOaanrjnparinaat, yoarkaer awat CTBot factecctxi Piacwa. Toneary tad a mauara eaa^raeoa or mart, a ttmn liadjiu. dan tmtee an aanatfc aaraant h dlguty nat«iaiu,aaaaanar. ndndiiaai maeaaa Itkoaoli Porraaroa, (at Mnaan ad otja- mmt aa etkn totnoarf adatdrd to praar. Or,an nay oat a a baaotafeaoa rardnraar U oTne (tea rt™ fart Oa* fnkcoaa fanrara Tata ad MranaTtaaaraaacacaalnou-Ttaaatn BaU-CEUm Oatonarsamreaoaaonbnanalctfat ataMiat olloattlaee CMrtbBtintidl betetaaoliJaiyoarlahBaicKracaalBra. aoWaaxtimaataaaat), Rpe-opdan,aaraa>ndtnal the liieiiiio^balonlrealoaipllc painedkadndakdfciitaa. raaioT«liaknaMt»Tiaen=n>aa>tledatylaaaK». ibaooaTna datak taaode ee acoaat/raoonana eanaraaaito ear acaaaat 366  ' te'ge'3"ot'4 ' & Interest Charge Calculation Your Annual Percentage Rate (APR) Is the annual Interest rate on your account Annual Balance Percentage Subject to Interest Type of Balance Rate Interest Rats Charge Purchases 0.00% $8377.07 $0.00 Cash 0.00* $4,235.00 $0.00 Please errterther»ca>unt number on ell ch» Payment Due Date. News/Important Messages etc... Your account Isoverthe limitby $1,712.07. Please mallyour paymentand overllmitamount today or call ue tol freeat I 1-1-877-SF4-VISA (1-877-734-6472)tf you have any questions. Youraooourrt rs SERIOUSLY PAST DUE. Please call us tol free at 1-877-SF4-V1SA(1-877-7344472)todayto resolvethe past due status of youracoount 367  ' Page'4'of'4 ' 368  Account Number. 6881 New Balance: $13,612.07 Minimum Payment Due: $13,612.07 Payment Due by 5:00 P.M. (ET) on: June 25,2010 Past Due Amount: $13,612.07 Amount Enclosed; Make Check Payableto: STATE FARM BANK® STATE FARM BANK PO BOX 23025 COLUMBUS OA 31902-3025 I | Prsaseoheckboxforaddreesortelephone ohangs. (Complete formon the reverse side). DENNIS OLIVARES 10835 WHISPER RIDGE ST x* 0C11BDI SAN ANTONIO TX 78230-3610 ,661 0131,15071, 013tl2D7fci .•hr. fi*^.l»s/e-.PI^?n>»*e.qr>e.r* WWbte For 24 Hour Oood Neighbor Service, Pace 1 of 4 Please Call: StatemerttPertfXi:-- StatemeMPerlod: 04/29/10-05/28/10 Bank 1-877-SF4-VISA (1-877-734*172) Account Number. AdditJonalcorttact information Payment Due located on reverseslde: by5.-OOP.M.{ET)on: June 25,2010 <•Summary of Account Activity Previous Batanoe: $13,612.07 Total Credit Umlt: $0.00 Payments* Credits: $0.00 Available Credit Umlt: $0.00 Purchases 8 Other Charges: $0.00 Cash Advance Limit: $0.00 Cash Advances: $0.00 AvailableCash Advance Umlt: $0.00 Fees Charged: $0.00 Interest Charged: $0.00 Closing Date: May 28.2010 New Balance: $13,612.07 Numberof Days hi Cycle: 30 (Payment Information New Balance: $13,612.07 Minimum Payment Warning: IT you make ony trieminimum Minimum Payment Due: $13,612.07 paymenteach pertod.youwBI pay more In Interest and Itwilltake Payment Due by 9:00 PJM. (ET) on: June 25,2010 longer to pay off your bate noe. For Exarnp Late Payment Warning: Ifwe do not receiveyour minimum payment bythe date and timelistedabove,you mayhave to pay a late fee uplo $0.00 and yourAPRs may be tncreasedup to the Penalty APR of 24.24%. Ifyou would like hfo/matlonabout oredttcouneeling services, call 1-877-734-8472. 1Transactions For:infl| Posting TrarratMtion Reference Date Date Number Description $ Amount 2010 TOTAL YEAR-TO-DATE Total Fees Charged In 2010 $1,975.61 Total Interest Cha rged In2010 $777.57 QIntereet Charge Calculation Your Annual Percentage Rate (APR) Is the annual interest rate on your account. Annual Balance Percentage Subject to Interest Typeol Balance Rate InterestRate Charge Purchases 0.00% $8,377.07 $0.00 369  Please enter change of address orleVfrprtone number below: Address (317 5135 2p~ ttome rttone (mauds area code) worKPhone (incuts area cone) To Contact Us Regarding Your Account <$ ? tSl -6 By Telephone: Send Inquires to: Mall Payments to: Visit Our Website: In U.S. 1-877-734-8472 P.O. Box 87 P.O. Box 23025 www.slatafami.com Espanol 1-877-734-8472 Deposit, New York 13754-0087 Columbus, Oa 31902-3025 TDD 1-877-593-3879 Outside U.S. 1-708-644-0852 Irr/orrnation About Your Account Hank Hoar Wa Carotdm Tour Itataaancriatgee: Maadao Peymentn 0l«iialrn AcochrotlfromaUonlTjrwrUO loCi«MOu™u.: Tie tontof yen- ataoarart ba a -Maaat Oaron* aartka. Rr earn IttaornnaantllBnaareaCaavrar'aeaaav.nacMataaai fttmnt pay* or pet of yoarnan tetaica at any rbn. Itiiaaa, enferr*. arlbeiet»ao«ywar«oia»ooantraiinaia. Voanan aranaaeVbaanaaadiattljetltrlniaBKIannfeaarpaoae yaaiaaobaaarayatna^naleOlaaTararaarttTtrnfayram 0S.rl(«ke»r«.llM,ir«rjacy»ftn.ai5oru«torvarranat,Kiaai HOetoat tan tart U7»00M. aa aai al then caodatta tagane an) naeaf aw netacoae an taaautaiputaofwuaauiaMy litiMt. kennnnednkm tait aprnrl, Tot otnanalatwaatQarea. armdopea a tn rnyraataddran Stan Fan. BaadbPOocc 1308S, . 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TMraaneag Oaa hrtn dataaa aofcotyarooanthatnjaaartoato yotr accon* 370  Page 3trM Cash 0.00% $435.00 $0.00 Please enter Ihe account number on allchecks and correspondence.To avoidadditlonallnterestCharges, pay New Balancebefore Payment Due Date. News/Important Messages etc... ni'our account Is overthe Bmft by $1,712.07. Please rnallyourpaymentand over ImftamourrttodayorcelustofHreeat I-B77-SF4-VISA (1-877-734-8472)11 you haveany questions. Your account Is SERIOUSLY PAST DUE. Please callus tol free at 1-677-SF4-VISA (1-a77-734-8472)today to resolvethe past due status of youraocount 371  " Page4'of'4 _372L „w- famlntueua> %BLmW»&B .jMn*-^6*8* rf5JJB5riial----»TSnZt»! T*V"* Mtm^m^U^m^^mm^^^mr^^^mmmt^^ B^MIJaafeTi feaf b flaJevlnVfltt JnaMnt tat) "r*«nMawnt%XfiC5nM*35 Pt>^iann.apta.iaSa7gSaal 373  ^ m^g^m^Z_7jm^m^*'~*' • • ' ****fante*. aj f^ e^e_^^'d-a-anji fcaaefc terttat** • tiata. •pttvMHflL SfKsr.-.-.-=a agslrSS^ MIUTllMM'MH. |i^*,iat»ttaj Ml. llM|, |Mi)_J..lf U|| SKVfie-^saft-v---- wsaf^S&auSi ^S&SSSim nannenanat aana < SSlK-^SSrUmmmm. SeaUSS KS*MM|^«Jr|lSp«t|* SSe-S---»tSSiSF^^^ pJ^S^8 JMeHLp-e gg«*i*r»M.«* f>*r*rt-t1lL* -tg-g-lM Pffrafc^eaWBlt^jWJtjffitTjlBST*'. t«*|Sg|H gttgi^^--r» Sieup. ii Ii i nTaean;.»ar 5!HSM5nn»ann«*e'nea aftSMlln-feneSOTMeta* SMtta>eM||3K ggggg£jggiS£¥ 374  TAB 6 Plaintiffs Response to Defendant's Response to Plaintiffs Traditional Motion for Summary Judgment  *e» E-FILED Bexar, Co GeraV gaseNo. 370251 Accepted Date.5/16/2014 8:37:04 AM O/UatUl Accepted By: EnriqueCaballero STATE FARM BANK § In the County Court at Law No. 2 Plaintiff § ,HBpW5ft»: ™ f v- § 8 DENNIS OLIVARES § BEXAR County Texas Defendant(s) PLAINTIFF'S RESPONSE TO DEFENDANTS RESPONSE TO PLAINTIFF'S TRADITIONAL MOTION FOR SUMMARY JUDGMENT COMES NOW Plaintiff, STATE FARM BANK ("Plaintiff'), and files this Response to Defendant's Response to the Plaintiffs Motion for Sivmrnary Judgment againstDefendant(s) DENNIS OLIVARES (hereinafter referred to as "Defendant", whether singularor plural), In supportof its response, Plaintiffwouldshow the Court the following: I. SUMMARY OF ARGUMENT Plaintiff sued Defendant for breach of contract arising from Defendant's default on a credit card account. Plaintifffiled a traditional Motionfor Summary judgment on 06/28/2012. Plaintiff passed the Motion for Surrirnary Judgment hearing that was set for 08/10/2012 because ofthe Motion for Continuance that the Defendant filed prior to that hearing date. Withintwo months of that hearing date, Defendant filed a federal suit againstPlaintiffs counsel in the WesternDistrictof Texas(notagainstthePlaintiffStateFarmBank, but againstit's counsel,Rausch,Strurm, Israel, Enerson & Hornik, LLC). Said Federal law suit was dismissed with prejudice by the Senior United States District Judge Harry Lee Hudspeth on November 1,2014. Exhibit I Since the dismissal withprejudiceof said FederalsuitagainstPlaintiffs Counsel, the State court case has resumed as it was never dismissednor abated formally. Plaintiff filed an Amended Motion for Summary Judgment on or about January 30, 2014, which was sent to the Defendant via Certified Mail Return Receipt #70121010000111097423. A notice of hearing was also sent to the Defendant via regular mail for an oral hearing on April 17, 2014, Both Plaintiffs counsel and Defendant appeared at the April 17, 2014 hearing before the Honorable Judge Jason Wolff of County Court at Law Number 2. At said hearing, Defendantclaimed to have not received the Amended MSJ, to which Plaintiff's counsel indicated that the document was sent via CMRR but was returned as unclaimed pertheUS Postal Service. Exhibit2 The Judge also pointedout that the AmendedMSJwas not in the physical file either. To avoid any issues, the hearingwas reset to May 8, 2014 at 9-30 am before the Honorably Judge Jason Wolff inBexar County Court at Law Number 2. Defendant was served with a copy ofthe Plaintiffs Amended Motion forSurnrnary Judgment viahand delivery in open Court. The Judge also advised the Defendant and Plaintiffof the neworal hearing date in openCourt, negating the need for a noticeof hearing to be sent by the Plaintiff to Defendant. Submit Date:5/7/2014 1:53:39 PM 433  »v II. ARGUMENT AND AUTHORITIES Basedupon the Courtadvising both PlaintiffandDefendant of theneworalhearingdatein openCourt,the deadlines forresponses were setbytheTexas Rules ofCivil Procedure. PerTRCP166a(c), iftheDefendant is going to file a response to said motion, the nonmovant must file and serve its response at least seven days before the hearing. KSix TV, Inc. V. Santiago. 75 S.W.3d 91, 96(Tex.App.-San Antonio 2002, no pet.) TheDefendant did not serve hisresponse toPlaintiffs Amended Motion forSummary Judgment tillMay5,2014, perthecertificate of service onsaidresponse. Exhibit3 Thiswas served upon Plaintiffa mere 3 days priortotheMSJhearing. Plaintiff reviewedthe Court's on-line records and no indication isgiventhattheDefendant had requested nor received leave of Courtto file a late response. To file a responseless thanseven daysbeforethe summary-judgment hearing, the nonmovant must obtain leaveof Court. TRCP166a(c) Under the TRCP, the Defendant's response is late and therefore notproperly before theCourtfor consideration inresponse tothePlaintiffs Amended Motion forSummary Judgment. Such response wouldhave had to have been filed withthe Courtby May 1,2014 at the latest for it to be timely. Defendant had notice of the hearing date and received a copy of said motion in open Court, which cannot be controverted. The deadline to timely file a response passed without a response having been filed nor did Defendant request leave of the Court to file a late responseto such motion. IJI. CONCLUSION AND PRAYER Under the existingcase law and the Texas Rulesof CivilProcedure, Defendant'sResponseto the Plaintiffs AmendedMotionfor SuirunaryJudgmentwasneithertimelyfilednorservedbyDefendant. Forthis reason,anything contained in said Response is not properly before the Court to be consideredin the Amended Motion for Summary Judgmenthearingset for May 8,2014 at 9:30am. As such,Plaintiffrequests that such response not be reviewedby the Court and if it is in the Court's record, that it be struck from the Record Respectfully submitted; Rausch, Sturm, Isjwel, Enerson & Hornik, LLC Steve Jaa^ndoost, SBN 24055735 y: Seuno WXhae, SBN 24047837 Michael R, Castro, SBN 24065025 Nathanial D. Kjtz, SBN 24080988 Lourdes R. Slinsky SBN 24088762 Christina S.Mitcheu., SBN 24071758 Michael J. Garza, SBN 24083056 Kelvina Wiley, SBN 247075641 Michael Young, SBN 24037759 15660 N. Dallas Parkway, Suite 350 Dallas TX 75248 Toll Free - (866) 456-3744 Fax - Dallas (877) 492-5185 E-mail: lawfirmTX@rsieh.com ATTORNEY FOR PLAINTIFF 1176411 434 EXHIBIT 1 435  Case 5:l2-cv-01071-HLH Document 60 Filed 11/01/13 Page 1 of 1 IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TEXAS DENNIS OLIVARES § S Plaintiff § S V. S No. SA-12-CA-1071 § RAUSCH STURM ISRAEL ENERSON S & HORNICK, LLC § § Defendant § § JOPCMEOT In accordance with the stipulation for entry of judgment (Docket No. 59) filed herein on October 31, 2013, IT IS ORDERED, ADJUDGED, AND DECREED that the Order Regarding Motion for Attorneys' Fees (Docket No. 47) previously entered herein be, and it is hereby, WITHDRAWN AND VACATED. IT IS FURTHER ORDERED, ADJUDGED, AND DECREED that Judgment be, and it is hereby, ENTERED in favor of the Defendant, and that the Plaintiff take nothing by his suit. IT IS FURTHER ORDERED, ADJUDGED, AND DECREED that each party bear his own costs and attorney's fees. IT IS FURTHER ORDERED, ADJUDGED, AND DECREED that all relief not expressly ixpressiy granted be, be, and it it is is hereby, DENIED. denied. SIGNED AND ENTERED this / "-"•" day of November, 2013. u LEE [HUDSPETH ED STATES DISTRI&EJJUDGE 436 EXHIBIT 2 437 g^rr WfB l3?rrTi?'Is™S?SrS r^^.,j.^Uj.y^»J-Ul«.WJUX,t,:. ., --:.^,-.- ••.'. CERTIFIED MAIL if,; 15660 N. Dallas Parkway, Suite 350 J U.arosWG£^HTb©r60vw-s, 7015 1Q1D QTJDl 11Q^ 7H23 r;;: Dallas TX 75248 ZP76246.$.0©9^9° . j 00013788*3ifAN.-30.'.2014 , I ?••: '.i OO CO S-iT WOTlCi at5B ISOTtCS SSStStt t£>- "Dennis DWres •e. I;?--" fc^  • m CenfU»mma%2,ana9.fl^campUla A SlfjriBfunfi j Bem4tfResWotrxIDQ(fvie»Yr3deWiii6^ UAgoti. I • PiMyoo-natne endaibbvsaon^trSttrves^ X o so ttwt we can return the cant to yen. B. HeCefved by (PrintedNam) G DHt»of DsDvwy , »i/Wf»AtiAcirtti5fJvBbackof«iemriIpteco, d* on fto font tf6psoft permits. J* L D. todeaVoryaddretarjTOsrerrttrOTtaTil? CIMm « 1. Al1eeeto4*%ttWtOdtDC VYtaB,ertirfi*»ra^«»ewbrMeif4kvdb« DuieurwlMtf • aaa- _____ 4. Ri>ett^DelW^<&traF«v> D'fan iS __i & /V*ief*n*eT (aTsinni fluff eenf&aeibev} 7012 1Q1D QDD1 11M 7423 PS Form 3811. fotmsry2004 DorfatraUB Return RAOffft loaj8S-02-u-i«rj j -b* CO CD i-l: aii :..-• Vv.:.\gw»">:^^> •^rai.: •.-•.-.;,._$•;» • • >.J.>.-*N... ••-•'••-•---<*•* ii^ft.-- •if ittir  J EXHIBIT 3 440  CERTIFICATE OF SERVICE 1, Dennis Olivares, have serveda true and correct copy oftheforegoing Objections to Plaintiffs Suinmary-Judgment Evidence and Opposition ta ST Motion upon Steve Javandoost, whom1assume is the replacement for Yvonne Mikulik— formerAttorney ofRecord for Co-Hainoffs State FarmBank & RSIEH— by direct e-mail to his inbox of record as well as the RSIEH corporate inbox in Dallas, Texas at sjavandoost@rsieh.com and kwfirmt3rTsieh.com, respectively, onthis 5fh day ofMay, 2014. Dennis Olivares, Defendant pro se 441  Our File No. 1176411 Case No. 370251 STATE FARM BANK § In the County Court at Law No. 2 Plaintiff § of § § § v. § DENNIS OLIVARES § BEXAR County Texas § Defendan.(s) ORDER TO STRIKE DEFENDANTS RESPONSE TO PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT After considering Plaintiff STATE FARM BANK's.Response to Defendant's Response to Plaintiff's Motion for Summary Judgment, and the evidence and authority presented, the Court hereby strikes Defendant's Response to Plaintiffs Motion for Summary Judgment from the record. SIGNEDthis day of_ _.20_ JUDGE PRESIDING 442  CERTIFICATE OF SERVICE ijThis isto CERTIFY that, incompliance with the provisions ofthe Texas Rules ofCivil Procedure, on Jffl t) -"«\On . atrue and correct copy ofthe foregoing Plaintiffs response to Defendant's response to Plaintiffs Motion for Summary Judgment was jjpwe^on the following named person hand delivery to: DENNIS OLIVARES. Steve J^andoost, SBN 24055735 Seunq W. Chae, SBN 24047837 Michael R. Castro, SBN 24065025 Nathan iAL D. Kitz, SBN 24080988 Lourdes R. Slinsky SBN 24088762 Christina S.Mitchell, SBN 24071758 Michael J. Garza, SBN 24083056 Kelvina Wiley, SBN 247075641 Michael Young, SBN 24037759 15660 N. Dallas Parkway, Suite 350 Dallas TX 75248 Toll Free - (866) 456-3744 Fax - Dallas (877) 492-5185 E-mail: lawfirmTX@rsieh.com ATTORNEY FOR PLAINTIFF 1176411 This Firm is a Debt Collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 443 ; *:»...  TAB 7 Trial Court's Order to Strike Defendant's Response to Plaintiff's Motion for Summary Judgment  Our File No. 1176411 Case No. 370251 STATE FARM BANK In the County Court at Law No. 2 Plaintiff of DENNIS OLIVARES BEXAR County Texas Defendant(s) ORDER TO STRIKE DEFENDANTS RESPONSE TO PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT After considering PlaintiffSTATE FARM BANK'S Response to Defendant's Response to Plaintiffs Motion for Summary Judgment, and the evidence and authority presented, the Courthereby strikesDefendant's Response to Plaintiff s Motion for Summary Judgment from the record. SIGNED this J day of fO^ 20H CERT-FED COPY CEiTTSRCATif " ASlJ*^ 'i**X~ \ "%. rr* f*{Mh j y d$ $^i4 (1&W& imm&m 'r/ vlr-,  ^', " B.«i^"Iii.'J _^S>«e*S£i.^»*-_iSi_' fLM'^.'i^^^.jL. .«.!...«..»  TAB 8 Defendant's Repeated Objections to Plaintiffs Summary Judgment Evidence & [sic] Opposition to SJ [sic] Motion  E-FILED Bexar County, County Clerk Cause NO. 3/0251 Accepted Date:5/14/2014 4:49:07 PM Accepted By: LeticiaSilva STATE FARM BANK; § IN THE COUNTY COURT ^fl^S^fe Rausch, Sturm, et al. § Plaintiffs S v. § NUMBER TWO § § JURY TRIAL DEMANDED DENNIS OLIVARES, § Defendant § BEXAR COUNTY, TEXAS DEFENDANTS REPEATED OBTECTIONS TO PLAINTIFFS' SUMMARY- JUDGMENT EVIDENCE & OPPOSITION TO ST MOTION TO THE PRESIDING JUDGE OF SAID COURT: RETURNS NOW Dennis Olivares, the Defendant in this Civil Action, pro se and in forma pauperis, to REPEAT his denial of Plaintiffs' cynical uncorrected claims regarding absence of material factual dispute in this Cause and to strike Plaintiffs' Affidavit and other evidence as inadequate to support summary judgment both as to form and substance. Defendant hereby repeats and realleges his underlying Amended Answer and Motions to Dismiss and for Sanctions to respectfully request dismissal of this Action or, in the alternative, to counter-sue for damages, costs, and declaratory judgment in Pleadings on the 3.5-year-old Record which prove that Plaintiffs have repeatedly and willfully violated Defendant's rights to reasonable due process and multiple substantive causes far in excess of simple collection on an old credit-card debt. At this point, only a JURY TRIAL could sort out, recognize, and grant ultimate justice to Defendant, who hereby demands such trial by right. Waiver of fees will be sought at the appropriate time. 407  OBJECTIONS TO PLAINTIFFS SI EVIDENCE Once more, Defendant hereby OBJECTS and MOVES to strike Plaintiffs sole Form-Affidavit and its cookie-cutterclutter of Attachments for the following reasons: 1. Said Affidavit, executed by the alleged State Farm Employee Jennifer Tucker-Vinsel Beigel is no different from the earlier version by Steve Holifield— nothing more than a fill-in-the- blank form cynically assembled at the head of an amalgamation of some 52 additional pages of irrelevant "business records" which are neither related to Defendant's activities, alleged default, nor explained in the text of said form-affidavit. Thus, the entire "affidavit" is fatally defective, inadmissible, and does not support either substantive or procedural summary judgment. 2. Said amalgamation does not accurately reflect the historical grand total of Defendant's Account with State Farm Bank; e.g., nowhere is the mishandling of a notably disputed $114 and multiple improperly assessed collateral fees disclosed. These things from October '09 along with the last segments of statements proffered which show Defendant's Account clearly inactive but for the gratuitous amassing of higher and higher interest and penalty long after Defendant communicated he no longer had (or has since had) any present ability to pay further. See Exhibits 2a & 2b before this Court as part of Defendant's Original Answer back in 2011 and as pointed out in Defendant's Original Opposition/Objection to ST in August, 2012. Plaintiffs have had plenty of opportunity to amend their Pleadings appropriately yet have cynically refused to do so. 3. Said amalgamation of so-called "business records" do not coherently relate to one another and consist of generic boilerplate— often illegible— having nothing specific to do with the Defendant or his alleged debt. They were not produced or prepared by the Defendant nor ever 408 within his control. Several pages have nothing but a dotted line on them! The whole package is the product of a cynical, sloppy effort to impress and intimidate by volume without substantive content. Haste makes waste... no single page is cited or referred to in the form-affidavit making for a mere appearance of meaningful summary-judgment evidence! 4. There are only a dozen pages among said amalgamation of so-called "business records" that arguably might be deemed relevant to the underlying controversy, but these pages are tampered with and redacted for no credible reason cited or discussed anywhere in Plaintiffs' Documents. Who did such redacting and where along the requisite chain of custody— also neither cited nor verified— is this tampering explained? These remain mysteries, but one cannot have summary judgment on a mystery. Defendant hereby denies that these pages truly, accurately identify or refer to his Account with Plaintiff State Farm. 5. Finally, not one of these amalgamated pages is duly certified or properly prepared for litigation by any Party because they bear no Bates-labels or equivalent exhibit-stamps which would enable their individual citation and discussion even at this cursory stage of civil action. 6. Plaintiffs commit the same error they repeatedly cited against Defendant in the last extended Hearing before this Court: namely, their cited points and authorities predominantly consist of "foreign," irrelevant, and nonprecedential law from Ohio, El Paso, Delaware, Dallas, Houston, and Ft. Worth. What's good for the Defendant is good for the Plaintiffs. In short, Plaintiffs proffer no cognizable SJ-evidence for this proceeding— hearsay at best. This Court should not regard such seriously defective documents as competent to support any summary judgment either as to substance or form under TRCP 166a. Such submittals are congruent with a presumptive, entitled, cynical, and otherwise short-cut mentality manifested by Plaintiffs' 409 Counsel to date; they have habitually flouted substantive due-process requirements of the TRCP in this Case, which is why Defendant has had pending Motions for Sanctions against them in this Cause for years... now subject, inter alia, to the outcome of Appeal No. 04-14-00143-CV. Even the Hearing for this purportedly Amended ST Motion last month had to be deferred to May 8th for yet another failure of Plaintiffs to serve Defendant with a copy of said Pleading and enter a filed copy into this Court's Record. Yet, this Court continues to allow this lawfirm to flout basic Rules without sanction! OPPOSITION TO PLAINTIFFS MOTION FOR SUMMARY TUDGMENT As before in 2012 and in light of the foregoing dispositive defects exposed in Plaintiffs' "evidence" above, Defendant hereby RE-OPPOSES their "new" Motion for Summary Tudgment as it is with insufficient basis in law, under TRCP 166a, or in equity. In the interests of judicial economy, Defendant further relies upon the copious evidence of his own heretofore presented in his recent Amended Answer and all further Pleadings which are hereby incorporated fully by reference to this Pleading as supporting affidavits— including the Affidavit attached to Defendant's Original Opposition/Objection to Summary Tudgment— to show that there are numerous issues of material fact in dispute in this Cause which can only be fairly decided by a jury trial on the merits. Summary judgment is so inappropriate at this point as to work severe injustice in its very contemplation. Moreover, there are substantial matters of COLLATERAL ESTOPPEL and/or ISSUE PRECLUSION, for Plaintiffs (as Defendants in the companion Federal Case No. SA-12-CA-1071-HLH) already had several bites at the "summary judgment apple" and were substantially BEATEN last September... and in a forum which was quite hostile to this Defendant! See Exhibit 2. 410  To recap, Defendant has stipulated to Plaintiff's recited Facts ##6,11 & 18 (from their original Petition) but disputes and/or denies all others; he specifically denies that all conditions precedent have been performed or occurred (##10 & 17) and that he has at any time defaulted or refused to do anything requested by the Plaintiff State Farm Bank. Moreover, as a primary affirmative defense, Defendant asserts impossibility of performance through supervening circumstances, insofar as he remains INDIGENT and has no present or near-future ability to pay anything to anyone beyond bare subsistence levels. He owns no attachable property. He has met the stringent criteria of and has been receiving Food Stamps (SNAP/Lone Star) since August, 2010; Defendant also gets substantial telephone-billing assistance from LITE-UP Texas since late 2010. Such chronic impoverishment has perdured and worsened since 2006 and can only be rectified if and when Defendant achieves gainful employment or reaches the age of eligibility for Social Security. Plaintiffs are fully aware of this situation and what they hope to gain, at law or equity, by pursuing this abusive process is completely bewildering. They are attempting to enforce an unconscionable CONTRACT OF ADHESION. Furthermore, the amount allegedly owed to Plaintiff is insufficient to cause significant damage or harm to them as they are fully insured against such foreseeable business losses. Plaintiffs' outrageous behavior in this matter, especially through its collector-firm Rausch, Sturm, et al., to date, simply does not warrant further approbation or protection of this Court's processes. See Mathis v. Lockwood, 166 SW3d 743, 745 (Tex. 2005). AMPLIFICATION OF ALTERNATIVE AFFIRMATIVE DEFENSES With further reference to said abuse of process, Defendant hereby AMENDS his Pleadings of Record to delineate the precise nature of Plaintiff's harmful excesses perpetrated to extract 411 unobtainable funds or compliance from their Victim using their telephones as primary weapons. Of primary concern at this stage is the fact that Plaintiffs do not anywhere address in their SJ Package the considerable counterclaims of Defendant— not even a feckless assertion of res judicata. This fatal omission is all the more outrageous since... a. Plaintiffs are materially breaching their purchased "peace, compromise, and settlement" (Settlement Agreement delineated in Exhibit 1) by themselves restarting this Litigation as if the above-mentioned federal case were no more than an irrelevant hiatus. Such restart is barred by collateral estoppel as to "pro se" Plaintiffs Rausch, Sturm, et al. b. Trying to have it both ways, Plaintiffs misrepresented to this Court at their December Hearing that the above-mentioned federal case was a "continuation" of this County Case in order to fabricate an excuse for their 13-month indolence and failure of prosecution. Yet, nowhere in any court's record is there even the barest mention of such continuation, removal or equivalent transfer action by any Party! No member of Plaintiffs' Lawfirm contended with Defendant in that Federal Case either; they were represented by outside counsel and took a nice little vacation for over a year. The aforementioned Appeal now before the 4th Court of Appeals will decide that set of issues. c. Worse still for Plaintiffs, THEY LOST every element of that "continued" summary judgment in federal court, but for Defendant's counterclaimsunder the Texas Deceptive-Trade- Practices Act! This is a second, illicit bite at that apple! See Exhibit 2 again. The remainder of Defendant's counterclaims are nowhere extinguished for SJor any other purpose, and if it turns out that Plaintiffs did actuallybreach the Parties' Settlement Agreement (Exhibit 1), then ALL such claims— plusthe new one added (violations ofTexas Finance Code §§392.101, 301, 302, et al.) in Defendant's recently filed Amended Answer— need to be heard by a jury! 412  Actual damages and costs to Defendant are not trivial to this point but can be subsequently assessed at trial as can the issue of Plaintiffs willfulness or negligence in causing, without requisite bond or license, all those robo-calls to be made after proferring written assurance to the contrary. The FDCPA may award $1000 in statutory damages, but the well-pled tort claims could well exceed $105,500 plus costs for the Defendant, based on a model afforded by the Telephone Consumer- Protection Act, 47 U.S.C. §§227(b)(l)(B), (3)(C) & (c)(5)(C)... enforced through 47 C.F.R. §64.1200 with recoverable statutory sanctions from $500 to $1500 per violation... that's just for the original 211 calls alone! Add to that the 520 calls secured by Defendant through federal discovery and the $100/violation under the TDCA (Finance Code §392.403), and it becomes obvious that this is no petty matter to be swept under the rug of summary judgment via cookie-cutter pleadings. CONCLUSION Nonmovant Defendant need not exhaustively perform and relinquish his burden of proof or persuasion at this SJ stage—merely establish a significant element of factual dispute to thwart an improper attemptto secure summary judgment. Brownlee v. Brownlee, 665 SW2d 111, 112 (Tex.1984). Defendant has accomplished this by relying upon his prior Affidavit on record and by amending his underlying Pleadings to amplify a major counter-claim. Bassett v. American National Bank, 145 SW3d 692, 696 (Tex. App. Ft. Worth 2004). He further identifies 6 fatal inadequacies in Plaintiffs SJ- evidence. Guthrie v. Suiter, 934 SW2d 820, 824 (Tex. App. Houston 1996). So, if this Court follows clear precedent and assumes Nonmovant's proof is true and indulges every reasonable inference in favor of the Nonmovant perM.D. Anderson Hospital v. Willrich, 28 SW3d 22, 23 (Tex. 2000); and ifthis Court resolves all doubts against the Movant per Johnson City Sheriffs Posse v. Endsley, 926 SW2d 284, 413 285 (Tex. 1996); then, this matter can only be dismissed or set for trial on the merits. Defendant has shown enough to avoid the further injustice of being quit-claimed by wholesale summary judgment. PRAYER WHEREFORE Defendant prays, for the premises and good causes herein averred and in the interests of judicial economy, that this Court SUSTAIN all foregoing Objections, STRIKE all Plaintiffs proffered SJ "evidence," and DENY the above-cited Amended Motion for Summary Tudgment and set all duly pleaded/amended claims for trial forthwith. In the alternative, Defendant prays that this Court DISMISS this entire Action forthwith, with prejudice, and with all costs to be borne by the Plaintiff along with whatsoever legal or equitable relief awarded to Defendant for which he shows himself justly entitled per TRCP 21a (penultimate sentence) & 191.3d. VERIFICATION I, the undersigned, have composed, read, and had an opportunity to edit this Repeated Objections to Plaintiff's Summary-Tudgment Evidence & Opposition to ST Motion consisting of 9 typed pages and 2 Exhibits, herewith attached, and do hereby swear and affirm that all citations and facts herein asserted are true and verifiable to the best of my knowledge and belief, under penalty of perjury in accordance with 28 U.S.C. §1746: Dennis Olivares, Defendant pro, se seravilo@netzero.net 10935 Whisper Ridge San Antonio, Texas 78230 (210) 492-1439 [voice & telefax] May 5, 2014 414  CERTIFICATE OF SERVICE I, Dennis Olivares, have served a true and correct copy of the foregoing Objections to Plaintiff's Summary-Tudgment Evidence and Opposition to ST Motion upon Steve Javandoost, whom I assume is the replacement for Yvonne Mikulik— former Attorney of Record for Co-Plaintiffs State Farm Bank & RSIEH— by direct e-mail to his inbox of record as well as the RSIEH corporate inbox in Dallas, Texas at sjavandoost@rsieh.com and lawfirm@rsieh.com, respectively, on this 5th day of May, 2014. Dennis Olivares, Defendant pro se I 415 I  Exhibit IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TEXAS SAN ANTONIO DIVISION DENNIS OLIVARES, Plaintiff VS. CASE NO. 5:12-cv-01071-HLH RAUSCH, STURM, ISRAEL, ENERSON 8b HORNIK, LLC, Defendant COMPROMISE 8b SETTLEMENT AGREEMENT WHEREAS Dennis Olivares ("Plaintiff") has asserted certain claims against Rausch, Sturm., Israel, Enerson 86 Hornik, LLC ("Defendant") arising out of alleged unlawful debt collection practices; and WHEREAS Defendant expressly denies any and all liability for such claims, either at law or in equity; and WHEREAS without any admission of liability and solely for the purpose of saving litigation expenses and compromising and settling doubtful and disputed claims, tjitend&it desires to buy peace and compromise? and sktle the dispuled claims against it; NOW, THEREFORE, the undersigned parties covenant and agree as follows: 1. In consideration of the payment of the total sum of $3,0QP;S0, e4,rrs^®g-of $1,500.00 to Plaintiff and $1,500.00 payable to Johti Dwyr-e 8& Associates PLLC, the sufficiency of which is hereby acknowledged, Plaintiff, for -1- 416 himself and his heirs, executors, administrators, successors, assigns, and attorneys, hereby releases, acquits, and forever discharges Defendant and all of its officers, directors, shareholders, members, managers, general and limited partners, agents, employees, representatives, affiliates, parent and subsidiary corporations, successors, assigns, clients, insurers, sureties, and attorneys from any and all claims, actions, causes of action, demands, rights, damages, costs, expenses, and compensation whatsoever, which now exist or which may hereafter accrue on account of or growing out of any matters which have been asserted or could have been asserted against them as of the date of this release. 2. It is Plaintiffs express intent that this agreement release all claims of any kind or nature, whether known or unknown, that he may have against the parties herein released, regardless of whether such claims arise pursuant to contract, tort, statute, regulation, or common law. 3. Plaintiff expressly warrants that he is the sole and exclusive owner of the claims herein released and that no portion of such claims has been sold, transferred, conveyed, or assigned. Plaintiff agrees to indemnify the parties herein released and hold them harmless from any costs, expenses, damages, attorney's fees, judgments, and liabilities or losses of any kind or nature arising out of any breach of this warranty. 4. In consideration of the foregoing release ©eiendaht^wiil7^ ^MM^^WGMSmt^fye^ifBX'd of'October 21, 2,013 (Docket Entry 47). 5. Nothing contained in this agreement shall ever be construed as an admission of any liability or wrongdoing by Defendant, and this agreement shall -2- 417 not ever be offered in any legal proceeding as evidence of such an admission. The terms of this agreement are confidential and shall not be revealed to anyone not a party hereto except to the extent required by a court of competent jurisdiction, as may be reasonably necessary to prepare state or federal income tax returns, or as may be reasonably necessary to enforce the terms hereof. 6. The parties will submit to the Court a stipulation and agreed judgmeht*in the form of the attached Exhibit A. The parties waive any right of appeal from that judgment. 7. Plaintiff agrees that he will execute such other instruments and documents that are or may become necessary to effect and carry out the terms of this agreement. 8. This agreement shall be bindihgx>n and inUre to the benefit of the 111111* and their respective heirs, executors, administrators, legal representatives, successors, and assigns. 9. This agreement shall be deemed to haw been drafted e^allybythe parties .«&$ any ambiguities in this agreement shall not be sjrictly ?aw>si?nied itgilbst-jsnyiparty or set of parties. 10. In case any one or more of the provisions contained in this agreement is for any reason held to be invalid, illegal, or unenforceable in any respect, such invalidity, illegality, or unenforceability shall not affect any other provision hereof, and this agreement shall be construed as if such invalid, illegal, or unenforceable provision had never been a part hereof, provided that such construction shall not cause this agreement to fail in its essential purpose. -3- 418  11. This agreement may be executed in any number of counterparts and each of such counterparts shall for all purposes be deemed to be an original, and facsimile signatures shall, for all purposes, be deemed originals. 12. This agreement shall be construed under and in accordance with laws of the State of Texas. 13. Wherever the context shall so require, all words in this Release in the male gender shall be deemed to include the female or neuter gender, all singular words shall include the plural, and all plural words shall include the singular. 14. This agreement supersedes any prior understandings or written or oral agreements between the parties respecting the subject matter hereof. 15. The settlement embodied in this agreement shall not affect nor impair the alleged debt that Defendant sought to collect from Plaintiff. 16. Plaintiff further declares and represents that no promise, inducement or agreement not herein expressed has been made to him, that this document contains the entire agreement between the parties hereto and that the terms of this release are contractual. As a fundamental part of the consideration for Defendant's performance as set forth above, Plaintiff warrants that he has not relied on any statement, claim, contention, or representation of Defendant or its attorney, and that he has relied solely upon the advice, statements, opinions, and representations of his own attorney, and upon his own investigation of the matters relevant to this dispute. -4- 419  17. Plaintiff has read the foregoing agreement and had an opportunity to review it with his attorney, and he is satisfied that he fully understands it. Executed this 31 day of Oc-f- . 2013. .Z/p/vA /KULsrJMriLA&as Dennis Olivares Executed this day of , 2013. Rausch, Sturm., Israel, Enerson & Hornik, LLC By: Printed Name Title -5- 420 Exhibit A 421  IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TEXAS SAN ANTONIO DIVISION DENNIS OLIVARES, Plaintiff VS. CASE NO. 5:12-cv-01071-HLH RAUSCH, STURM, ISRAEL, ENERSON 8& HORNIK, LLC, Defendant STIPULATION TO ENTRY OF FINAL JUDGMENT TO THE HONORABLE UNITED STATES DISTRICT COURT: Dennis Olivares ("Plaintiff") and Rausch, Sturm., Israel, Enerson 8s Hornik, LLC ("Defendant") stipulate to the entry of the judgment attached as Exhibit A to this stipulation. Plaintiff represents that he has been advised by counsel regarding this stipulation and that in reliance solely upon such advice and his own investigation of the facts and law requests that -the Gourt grant such judgment*. Defendant joins in that request. Respectfully submitted, /s/ Manuel H. Newburger Dennis Olivares Manuel H. Newburger 10935 Whisper Ridge Barron 85 Newburger, P.C. San Antonio, Texas 78230 TBN 14946500 210)492-1439 1212 Guadalupe, Suite 104 seravilo@netzero.net Austin, TX 78701 PLAINTIFF PRO SE Tel: 512-476-9103, x-216 Fax:512-279-0310 mnewburger@bn-lawyers.com ATTORNEY FOR DEFENDANT 422  IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TEXAS SAN ANTONIO DIVISION DENNIS OLIVARES, Plaintiff VS. CASE NO. 5:12-cv-01071-HLH RAUSCH, STURM, ISRAEL, ENERSON 8b HORNIK, LLC, Defendant PROPOSED FINAL JUDGMENT Upon stipulation of the parties the Court makes this final judgment. IT IS ORDERED that Plaintiff take nothing against Defendant. IT IS FURTHER ORDERED that the Order Regarding Motion for Attorney's Fees dated October 21, 2013 (Docket Entry 47) is hereby vacated. IT IS FURTHER ORDERED that the parties shall bear their own fees and costs. All relief not expressly granted in this judgment is hereby denied. This is a final judgment, and the Clerk is directed to close the file. Signed this day of , 2013. HON. HARRY LEE HUDSPETH UNITED STATES DISTRICT COURT 423  Case 5:12-cv-01071-HLH Document29 Filed09/11/13 Page lot9 Exhibit 2 IN THE UNITED STATES DISTRICT COURT FOR THE WESTERN DISTRICT OF TEXAS DENNIS OLIVARES § § § Plaintiff § § v. § No. SA-12-CA-1071 § RAUSCH, STURM, ISRAEL § EMERSON, & HORNIK, LLC S § Defendant § ORDER REGARDING DEFENDANT'S MOTION FOR SUMMARY JUDGMENT AND PLAINTIFF'S MOTION FOR SANCTIONS On November 12, 2012, the Plaintiff filed this civil action for damages for harm allegedly caused by the Defendant's practices as a debt collector. On July 19, 2013, the Defendant filed a motion for summary judgment (Docket No. 20) . The Plaintiff filed his response, along with a motion for sanctions, on August 15, 2013 {Docket No. 22) . Having considered the motions, the Court finds that the motion for sanctions should be denied and the motion for summary judgment should be granted in part and denied in part. I. Background The summary judgment evidence establishes the following facts: The Plaintiff borrowed money from State Farm Bank and failed to repay that loan. The record is unclear as to why the Plaintiff obtained the loan, or what amount he borrowed. The Defendant, a debt collector, began calling the Plaintiff on 424  Case 5:12-cv-01071-HLH Document 29 Filed 09/11/13 Page 2 of 9 behalf of State Farm. The parties spoke over the phone on February 8, 2011, but the Plaintiff did not answer the Defendant's other calls. Unable to reach the Plaintiff, the Defendant filed a lawsuit against him in state court on July 1, 2011.l On July 22, 2011, the Plaintiff emailed the Defendant, demanding that it "cease filling up my answering machine with fatuous robo-messages now." He also stated that he was "broke," on food stamps, and that he would pay only when he got money himself. The Defendant persisted in calling him after receiving that email. On September 10, 2012, the Plaintiff sent a second email requesting that all communications cease. At that point, the calls stopped.2 The Plaintiff brought claims for (a) violations of the Fair Debt collection practices Act (FDCPA), 15 U.S.C. §§ 1692c, 1692d, and 1692f, (b) violations of the Texas Debt Collection Act (TDCA), Tex. Fin. Code § 392.302, (c) violations of the Texas Deceptive Trade Practices Act (DTPA), Tex. Bus. & Com. Code § 17.50, and (d) intrusion upon seclusion. The Defendant has moved for summary judgment on each of the Plaintiff's claims. The Court will grant the Defendant's motion with respect to the 1 The status of that lawsuit is also unclear from the record. 3 Although the Plaintiff's complaint states that he received calls on December 4, 2012 and December 5, 2012, these appear to be typos. In another paragraph, the complaint clearly states that the calls ended on August 22, 2012. 425  Case 5:12-cv-01071-HLH Document 29 Filed 09/11/13 Page 3 of 9 DTPA claim but deny the motion with respect to the remaining claims.3 II. Applicable Law and Analysis a. FDCPA Claims The Plaintiff alleges that the Defendant violated multiple provisions of the FDCPA. The Court will address each in turn, i. 15 U.S.C. 5 1692c Subject to exceptions not pertinent here, Section 1692c states that debt collectors may not contact a consumer if that consumer "notifies [the] debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer . . .• 15 U.S.C. § 1692c(c). The Plaintiff asserts that he continued to receive calls after his email asking the Defendant to stop calling him. The Defendant argues that the email on July 12, 2011 did not request that all communication cease, but referred only to phone calls. Therefore,- the Defendant argues, Plaintiff's email did not meet the statutory definition of a request to cease contact. The Defendant does not cite any authority for this interpretation, and the Court, in its independent research, has found none. Moreover, the Defendant does not dispute the Plaintiff's claim ' The Defendant also notes that the Plaintiff failed to appear for his deposition. However, the Defendant has not moved for dismissal on these grounds, see Fed. R. Civ. P. 37(d). 426  Case 5:12-cv-01071-HLH Document 29 Filed 09/11/13 Page 4 of 9 that it continued calling him after this email was sent. Because the Defendant has failed to establish that no genuine issue of material fact exists as to whether the July 22, 2011 email was a request that the Defendant cease contacting the Plaintiff, the Court will deny the Defendant's motion for summary judgment with respect to the § 1692c claim. ii. 15 U.S.C. S§ 1692d and 1692f Section 1692d of the FDCPA prohibits "any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt." IS U.S.C. § 1692d. This includes "[clausing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number." Id. § 1692d(5). Section 1962f also prohibits debt collectors from using "unfair or unconscionable means to collect or attempt to collect a debt." 15 U.S.C. § 1692f. In its motion, the Defendant does not deny that it repeatedly called the Plaintiff, nor does it challenge the call frequency that Plaintiff alleges. Instead, it argues that the Plaintiff's allegations, even if true, do not establish harassment as a matter of law and are insufficient to support an inference of intent to harass. It also argues that the Plaintiff cannot establish that these calls were unfair or 427  Case 5:12-cv-01071-HLH Document 29 Filed 09/11/13 Page 5 of 9 unconscionable. The Defendant cites opinions from other district courts that have granted summary judgment on these claims, even when the frequencies of calls equaled or exceeded the number alleged here. See, e.g., Carman v. The CBE Group, Inc., 7B2 F. Supp. 2d 1223, 1229-32, 34-35 (D. Kan. 2011) (discussing the split of authority on this topic and granting summary judgment). But here, the Defendant continued calling the Plaintiff after receiving his request that the calls cease. The court finds that, viewed in light of the Defendant's persistence, the frequency and number of calls alleged is sufficient to support a reasonable inference that (1) their natural consequence was to harass, oppress, and/or abuse the Plaintiff, or (2) they constituted an unfair or unconscionable means to collect a debt. See 15 U.S.C. § I692d; 15 U.S.C. § 1692f; Bee also Adamcik v. Credit Control Servs., 832 F. Supp. 2d 744, 747 (W.D. Tex. 2011) (denying motion for judgment notwithstanding the verdict because the evidence "showed a 'nature and pattern' of calls from which the jury could properly infer an intent to annoy, abuse, or harass [the plaintiff) .") . Therefore, the Court will deny the Defendant's summary judgment motion with respect to the claims asserted under §§ 1692d and 1692f. 428  Case 5:12-cv-01071-HLH Document 29 Filed 09/11/13 Page 6 of 9 b. Texas Debt Collection Act (TDCA) claim Similar to the FDCPA, the TDCA prohibits debt collectors from "oppress[ing], harass [ing], or tabus ting] a person by . . . causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number." Tex. Fin. Code § 392.302(4). The Defendant relies on the same argument it made with regard to the FDCPA, and it asserts that the Plaintiff has failed to establish the essential element of intent to harass. As the Court has discussed, the frequency of calls combined with the Defendant's persistence supports an inference of the intent required by the TDCA. Therefore, the Court will also deny the Defendant's motion for summary judgment with respect to the TDCA claim. o. DTPA claims The DTPA grants "consumers" a right of action. See Tex. bos. & Com. Code § 17.50(a). To establish "consumer" status, a person (1) must have sought or acquired goods or services by purchase or lease, and (2) the goods or services, purchased or leased, must form the basis of the complaint. Cushman v. GC Services, LP, 657 'P. Supp. 2d 834, 842-43 (S.D. Tex. 2009) (citing Burleson State Bank v. Plunkett, 27 S.w.3d 605, 614 (Tex. App.- Waco 2000)). However, the DTPA does not extend to ordinary 429  Case 5:12-cv-01071-HLH Document 29 Filed 09/11/13 Page 7 of 9 loans, because "money is not ... a 'good' [and] the DTPA's use of the word *services' d[oes] not include the extension of credit, or the borrowing of money." Id (quoting Riverside Nat'l Bank v. Lewis, 603 S.W.2d 169, 175-76 (Tex. 1980)); but see Knight v. Int'l Harvester Credit Corp., 627 S.w.2d 382, 388-89 (Tex. 1982) (finding that a bank customer qualified as a consumer because he sought financing to purchase a dump truck). The Defendant moves for summary judgment on the grounds that the Plaintiff is not a "consumer" under the DTPA, because he only received a loan from State Farm Bank. The Plaintiff has not contested this point, and the Court finds that he does not qualify as a consumer. The Defendant is entitled to summary judgment with respect to the DTPA claims, d. Intrusion Upon Seclusion To establish a claim for intrusion upon seclusion, a plaintiff must show that the defendant (1) intentionally intruded, physically or otherwise, upon the plaintiff's solitude, seclusion, or private affairs or concern, and (2) such intrusion would be highly offensive to a reasonable person. Schakosky v. Client Services, Inc., 634 F. Supp. 2d 732, 737 (E.D. Tex. 2007) (citing Valenzuela v. Aquino, 853 S.W.2d 512, 513 (Tex. 1993)). "Collection actions taken in violation of the law are not justified, reasonable, or warranted [and are] sufficient to support [a] jury's liability finding on [a 430  Case 5:12-cv-O1071-HLH Document 29 Filed 09/11/13 Page 8 of 9 plaintiff's] invasion of privacy cause of action." Household Credit Servs., Inc. v. Driscol, 989 S.W.2d 72, 84-85 (Tex. App.- El PaBO 1998, pet. denied)). For the same reasons previously discussed, the Court finds that material issues of fact exist as to whether the Defendant's conduct was unreasonable, unjustified, or unwarranted. The Court, therefore, will deny the Defendant's motion for summary judgment with respect to the Plaintiff's claim of intrusion on seclusion. e. Other Motions The Plaintiff has moved for sanctions, arguing that the Defendant's motion for summary judgment was filed in bad faith. In its summary judgment motion, Defendant has also asked for fees and costs under 15 U.S.C. § 1692k(a) (3) and Tex. Fin. Code § 392.403(c), arguing that the suit was brought in bad faith and for the purpose of harassment. Because the Court has partially granted and partially denied the Defendant's summary judgment motion, both the motion for sanctions and the motion to .award fees and costs will be denied. It is therefore ORDERED that Defendant's motion for summary judgment (Docket No. 20) be, and it is hereby, GRANTED with respect to the Plaintiff's Deceptive Trade Practices Act claim. 431  Case 5:12-cv-01071-HLH Document 29 Filed 09/11/13 Page 9 of 9 It is further ORDERED that, in all other respects, Defendant's motion for summary judgment be, and it is hereby, DENIED. It is further ORDERED that Plaintiff's motion for sanctions (Docket No. 22) be, and it is hereby, DENIED. It is further ORDERED that Defendant's motion for fees and costs be, and it is hereby, DENIED. SIGNED AND ENTERED this // -"3ay of September, 2013. MLL SE HUDSPETH JENIOR UNI/TED STATES DISTR3 JUDGE 432  TAB 9 Court of Appeals' Order dated August 14, 2014  jfourtl) Court of Appeals H>an Antonio, &exas. August 14, 2014 No. 04-14-00143-CV Dennis OLIVARES, Appellant STATE FARM BANK, Appellee From the County Court at Law No. 2, Bexar County, Texas Trial Court No. 370251 Honorable Jason Pulliam, Judge Presiding ORDER Appellant filed his brief in this appeal on August 12, 2014. Rule 38.1(g) and (i) of the Texas Rules of Appellate Procedure requires the statement of facts and arguments sections of an appellant's brief to contain citations to the record. Appellant's brief does not, however, contain any such citations. It is therefore ORDERED that appellant's brief is STRICKEN from the record. Appellant must file an amended brief containing appropriate record citations in the statement of facts and arguments sections of his brief no later than September 15, 2014. Catherinej^tone, ChiefJustice IN WITNESS WHEREOF, I have hereunto set my hand and affixed the seal of the said court on this 14th day of August, 2014. ^ OF Aj&b Keith E. Hottle Clerk of Court f ^4"