Complaint,Petition: Frost Bank vs. Robert Burnam

On April 30, 2024 a Complaint,Petition was filed involving a dispute between Frost Bank, and Burnam, Robert, for Contract - Debt in the District Court of Galveston County.

Preview
Filed: 4/30/2024 1:08 PM
JOHN D. KINARD - District Clerk
Galveston County, Texas
Envelope No. 87214485
By: Shailja Dixit
24-CV-0703 4/30/2024 2:20 PM

CAUSE NO. _________

FROST BANK § IN THE DISTRICT COURT
§ Galveston County - 10th District Court
vs. § _____ JUDICIAL DISTRICT
§
ROBERT BURNAM § GALVESTON COUNTY, TEXAS
§

PLAINTIFF'S ORIGINAL PETITION

FROST BANK, formerly known as The Frost National Bank, Plaintiff herein, brings this

action against ROBERT BURNAM (“BURNAM”), Defendant herein, and for cause of action

would respectfully show the Court the following:

Control Plan

1. FROST BANK affirmatively pleads that discovery is intended to be conducted under

Discovery Control Plan Level 1 pursuant to Rule 190.2 of the Texas Rules of Civil Procedure.

Parties

2. FROST BANK is a Texas state bank duly authorized to conduct business in the State

of Texas, and whose address is 111 Houston Street, Ste. 100, San Antonio, TX 78205.

3. ROBERT BURNAM is an individual who may be served with process at 4410 Pebble

Beach Dr., League City, Galveston County, TX 77573, or at such other place where found. .

4. The last three digits of the social security number for ROBERT BURNAM are 624.

The last three digits of the driver's license number of ROBERT BURNAM are 684.

Damages

5. Plaintiff seeks only monetary relief of $250,000.00 or less, including damages of any

kind, penalties, costs, expenses, pre-judgment interest, and attorney fees. The damages sought are

within the jurisdictional limits of the Court.

PLAINTIFF'S O RIGINAL PETITION Status Conference - 08/01/2024
Venue

6. Venue is proper in Galveston County under Section 15.035(b) of the Civil Practice

and Remedies Code.

Background Facts on the Credit Agreement

7. On or about July 11, 2018, BURNAM executed a Credit Agreement and Disclosure

(the "Credit Agreement") with an original credit limit of $50,000.00, made payable to the order of

Plaintiff, and bearing interest at the rate specified in the Credit Agreement. A true and correct copy

of the Credit Agreement is attached hereto as Exhibit "A" and incorporated herein for all intents

and purposes. The Credit Agreement had a facial maturity date of July 15, 2020.

8. Under the terms of the Credit Agreement, FROST BANK extended credit to

BURNAM, and BURNAM borrowed those credit advances and repaid some of the advances. A

true and correct copy of the Credit Agreement payment history, showing the history of all debits and

credits on the governed line of credit, is attached hereto as Exhibit "B" and incorporated herein for

all intents and purposes.

9. However, BURNAM defaulted in paying the Credit Agreement. BURNAM and

FROST BANK then executed a repayment agreement. A true copy is attached hereto as Exhibit "C"

and is incorporated herein. Under its terms, BURNAM agreed that he would repay $48,575.00 in

$2,000 installments beginning January 15, 2020; his last payment was due on or about February 15,

2022. Also under its terms, Defendant waived all defenses to the Credit Agreement.

10. The balance of the Credit Agreement is the sum of the principal balance of

$46,959.09,, plus all interest accrued/ Interest continues to accrue on the principal balance at the

rate set forth in the Credit Agreement.

11. FROST BANK has been, and remains, the owner and holder of the Credit

Agreement.

PLAINTIFF'S O RIGINAL PETITION Page 2 of 7
Suit for Breach of Contract on the Credit Agreement

12. FROST BANK now brings this suit to recover the balance of the Credit Agreement,

together with the interest and any other charges accrued thereon. All conditions precedent to

FROST BANK's right of action in this suit, including its right to the recovery of attorneys’ fees,

have occurred, been performed, or been waived.

Claim for Attorneys' Fees

13. As a result of the default as previously set forth, FROST BANK has been compelled

to seek the services of the undersigned firm of attorneys to recover this debt. Pursuant to the terms

of § 38.001, et seq. of the Texas Civil Practice and Remedies Code and of the Credit Agreement,

FROST BANK now seeks reimbursement of all reasonable attorneys' fees incurred to prosecute its

claims.

NOTICE

14. This is an attempt to collect a debt and any information obtained will be used for

that purpose.

WHEREFORE, PREMISES CONSIDERED, FROST BANK prays that this Court:

i. Award FROST BANK all amounts due and owing under the Credit

Agreement and/or repayment agreement.

ii. Award FROST BANK its reasonable attorney's fees and costs of Court

incurred herein.

iii. Award FROST BANK pre- and post-judgment interest at the rate provided

by the Credit Agreement and/or repayment contract and/or as that provided

by law, whichever is higher.

iv. Award such further relief, both special and general, legal and equitable, to

which FROST BANK may show itself justly entitled.

PLAINTIFF'S O RIGINAL PETITION Page 3 of 7
Respectfully submitted,

FRIDGE & RESENDEZ PC
425 Soledad Street, Suite 600
San Antonio, TX 78205
(210) 690-8000
(210) 696-6004 (fax)

By: /s/ John Resendez
JOHN R. RESENDEZ
State Bar No. 16789250
John@TexasBankLawyer.com
JOSHUA COTTLE
State Bar No. 24087348
Josh@TexasBankLawyer.com
MARCI K. LIGGETT
State Bar No. 24078859
Marci@TexasBankLawyer.com
ATTORNEYS FOR FROST BANK

PLAINTIFF'S O RIGINAL PETITION Page 4 of 7
Exhibit "A"
The Credit Agreement and Disclosure
CREDIT AGREEMENT AND DISCLOSURE
/

REDACTE
D

Borrower: ROBERT L BURNAM / Lender; FROST BANK
4410 PEBBLE eeActi ow-' THE WOODLANDS FINANCIAL _
CENTER
LEAGUE CITY, TX 77573 / P.O. BOX 1600
SAN ANTONIO, TX_ 78296

Interest Rate ·and Interest Charges

Annual Percentage Rate 6 .000% /
(APR) for Cash Advances
This APR will vary with the m·arkel based on the Prime Rate.

Paying Interest You will be charged interest from the transaction date.

Fees
/
Annual Fee Ncine

Penalty Fees
/
• Late Payment Either $15 or 5.000% of the late payment, whichever is less.

How We Will Calculate Your Balance: We ·use a method called "daily balance (including currenrtransactions)."
See your account agreement for more details.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights· is proviqed -in
your account agreement.

C'REDIT .LIMIT: ~50.,000.00 / DATE OF AGREEMENT: July 11, 2018
_lntroduc~ion. This .Credit Agreement-arid Disclosure f'Agreement".) governs your line ol -credii {the "Credit Line" or.lhe '!Credl_t,!Jpe Account")
issued through FROST BANK. In (his-Agreement, the weirds "Borrower," "you," "your," arid "Applicant" mean each and every person who
-signs th(s Agceement·, including all Borrowers nam.ed !lbove. The words 'we," "us." •our'," a·nd "Lender" mean FROST ·BANK. - Yoo agroe to the
follow/119 terms and conditions:
Promise to Pay. You promise i o pay FROST BANK, _ot order, lhe to;at of all credit advances, accrued interest and interest charges, together
w ilh all fees, charges. ~osl!; and expenses for which you are responsible under this Agreement. You will pay your Credit Line a~ding to the
payment lerms set fonh below. If there Is more than one Borrower, each Is Jointly.and severally liable on this AgreemenL This means we can
require any Borrower to pay all amounts due under this. Agreement, lncludlng credit advances made to any.Borrower. Each Borrower au1horlzes
a_ny other·Borrower,.on his or her signature alone, to .cancel the Cn:.--dit Uno, lo request and receive credit advances, and fo do all other things
necessary to cany ·out the terms of this Agreement We can release-any Borrower from 'responsibility under thfs Agreement, am/ the others will ·
remain :responsible.
Term. T he term .of your Credit Line will begin -as of the dale of this Agreemenl ("Opening Daie") ~nd will conlinµe until July. 15, 2020 /
("Maturily Date"). All indebl,edness und~r this 1\greement, i f not already P< ,s 5.000% per anrium, and lherofore One; 111,llal. corresponding Annual ·Percentage Rate.and the
Periodic Rate on yoor Oredit Line are as stated below;

Current Rates
Range or Balance Margin Added Corres ponding Annual Dally Periodic
or Conditions to Index Percentage Rate Rate
All Balances 1.000% / 6.000% / 0. 01644%

Notwithstanding any other provision ~f U1is Agreement, we will not charge interest on any undisbursed loan proceeds. The interest rate on this
Agreement has _ been ·implemented under the ''.Quarterly Celling" as referred to In Section 303.006 of the T~as Finance Code. No matter what
els(! _may be ·stated iri any other provision of this Agre~ment or- in any _othcr document you may have with .us,_y"o·u do. not agree. or intend to pay,
ahd w.e do not agree or lnte~d to ch·arge any ·interest or_fee for the .Crecllt Agreement and Disclos·ure which would In any-way ·cause us-to
con·t racl for, charge or collect more for the Credit Line Account than lhe maximum we-would be pennltted to charge or collect l?y ·any applicable
federal .or Texas state law. Any such oxcoss interest or unauthorized fee will be appllod .fir-st to roduco the unpaid principa_ l balance oflhe Credit
Una ·A ccount, and when the principal has .be:en paid .In lull, be refooded to you . The right to accelerate maturity or sums due under _lhfs
Agreen)°ent does not Include the right to -accelerate any lnterest·whlch has not"othcrwlse been accrued on the i:tate of-such acceleratloh, and we
do not Intend to charge or collect any_uneamed Interest in the event of accelerallon. All sums paid or agreed to be ·pald to. us for the.use,
forbearance or detention of sums paid under tills Agreement shall, to the extent perml_tted by appllcaple law, be amortized, prorated; allocc1ted
and. spread thre>ughoul.~e full tenn of the loan· evidenced by this Agreement until payment In lull so that the rate or amount or Interest on
account ·of the loan evidenced. by this Agreement. does not exceed the applicable usury cell!ng. When tho tenn "lnteresr ls .used in the context
of "payment of interest", ii Is the intent of the parties that all such references shall be to accrued and unpaid -Interest, a nd In .no event will you
ever·-1;ie required to pay unearned lnteres.t.
F(les Imposed On· the Credit Line. You agre~ to pay the following fees:
CREDIT AGREEMENT AND DJSCLOSURE
Loan No; 9001 (Continued) Page 4

Penaliy Fees. You agree lo pay U,e rollowing penalty fees:
Late Payment Fee. Ir your payment remains IJ1Pclld 10 days or mo.e after lhe "Payment [)J:!e Date• shown on your periodic statement,
in addition to our rights in default, we may charge you 5.000% of the payment or $15.0U, whichever is less.
Right lo Credit Advances. Beginning on lhe Opening Dale, we will tionor your requests for credit adv,mces up to your Credit Llmil so long as:
(A) you are n?t In defau!l un der the· terms of lhls Agreemenl; (B) th is Agreement has not been terminated or susP.ended.
0efaull We .may declare you lo be in default If any one or more of the following event.s occur. (A) you fail lo pay a Minimum Paymen t when
due: (B) ·an event of def.a ult occurs under Iha securily agreement for lh!! Property;_ (Cj the Property ls furth er encumbered In any way,
voluntarily or involu[ltan1y; (0) you die; - (E) you make ·any raise or mlsteading statements on your Credit Llne.applicalion: (F) you violate any
pmvlsi~_of lhis Agreement or any othe·r agreemen! with us; (G) any garnishment,_allachment, or execution is issued against any ITlflterial
assal owned by you; (H) you exceed your ~redjt Limit; (I) you file ror bankruplcy'or olhar- in~olvency relief, or an i(lvolul')tary petition under
the provisions o f the Bankruptcy Code is med against you .
l ender's Rights. If you are in default, we may terminate or suspend your Credit Une Account without prior notice. However, we will notify you
In writing of O\Jf action as soon as pra.clicab!e.
Suspension. If we suspend your .Credit Une, you will lose the right to obtain further credit advances. However, all other tenns of lhis
Agreement wlll.~ n io _errect and be binding upon you, lndudin_g your liability for any further unauthorized use pf any Credit Line access
devices. -
TermlnaUon. If we terminate your Credit Line. your Oeot Une will be suspenoed and the entire unpaid balance of your Credit Line Account
will be immediately due and payable, Without prior notice except as may be requ!md by law. and you agree to pay that a.nou111 plus all
interest, fees, and other amou,ts-due Ulder this.Agreement.
Collcc1ion Costs. We ma'y hire an atl.orney to help collect this Agreement ii you do not pay, and you will pay our reasonable attorneys'
fees. You also will pay us an other amounts we actually incur as court costs, lawful fees for filing, recording, releasing to any public office
any i,:,;;trumenl securing this Agreement; the reasonable cos! actually expended for repossessing, storing, preparing for sale, and selling any
security; ar'ld fees for noting a lien on or transferring a certificate of tille to any motor vehide offered as security for lhis Agreement, or
prerr.iums or fdentlriable charges received in connection with the sale of authorized insurance.
Access De11lces. II your Credit Line is suspended or tBm1inated, you must In-mediately return lo us all Line ol Credit,Checks·and any other
access devic;es. Ally use-of Line of Credit Checks or other aca>SS devices following suspension or te£rnlnallon may be oonsldered fraudulent.
You will also remain llable.r6r any fllrther use or Line or Credit 01ecks or other Credit Line acx:ess devices not returned to us.
Dotay in Enforcement. We may delay-or wai11e the enforcernonl of any of our rights under this Agreement without !oslng ·thal right or any other
right. If we delay or waiye .any or our fights, we may enforce that right at any lime lr:, the future withou_l ad11ance notlco. For examp_le, not
larmlnaling your account for non-paym~nt wi ll not b.e-a waiver of our rig hi lo termlriate your account In the futvre if you have not paid.
Tennfnatlon by you. If you terminate_this Agreement, you must notify us in writing. at the address shown on your periodic billing statement or
other designated eddress and return all Line cir Crec!lt-0,ecks and any other access devices to us. Despite termination, yollr obligations under
this Agreement wlJI remain in full force and effect until you have paid us all amounts due under this Agreement. •
Prcpaymenl. You may prepay al l or any amount owing under this Credit Line at any lime without penally, except we will be entitled to· receive
all accn.ied ·interest, fees, and other charges, if any. Payments in excess of your Minimum Payment will not relieve you of your obfigalion to
continue to rnake your ·Minlmum Payments. Instead, they will reduce lhe principal balance owed on the Credit L!ne. You agree not to send us
payments marked •paid in full', "wi\hout recourse", or similar language. II you send such ·a payment, we may accept it without losing any of
out rights ullder th~ Agreement, and you•will remain obligated lo pay any further amount c:iwed io us. All written communications_conc_emlng
disputed amounts, Including any check or other payment ln5lrument that Indicates that the payment constitutes "payment fn full" oflhe amount
owed or that ts tendered wfth other-conditions or llml1atlons or os fun satisfaction of a disputed amount must be mailed or delivered lo: Frost
Bank, ?.O. Bo>t -1600 San Antonio, TX 78296.
Notices. All nollces will be sent to your· address as shown in your Credit Une appllcat!on. Notices y.,ill be mailed to you a t a different address if
you give us written no"tice or a different address. You agree lo advise us promplly if you change· your malling address.
Credit lnforma_tlon ;mcf Related Matters. You authorize us lo release inforrnalion about you to thfrd parties as described In our privacy pollcy and
our Fair Credit Reporting Act notice. provided you did not opt oul of the applicable polic;y, or as peqnllleq by law. You ag~ tha t, upon our
request, you will provide us with a current financial slatemcnt, a new ctedil application, 0( both,_on forms provided by us. You also agree we
may obtain credi t reports on you al any time, al our sole oplfon and expense, for any reason, Including but not limited to determining whether
jhere has been an a\lverse change- In your rinancia! condition. Based upon u material adverse change In your finan ~lo! condition (such as
lemiinalion of employment o_r loss of income). we niay su~pend·_your Credit Line.
Tr.inMcr or Ass1g·nmenL Without pr1or nollce or approval from you, we reserve !he right to seY or transfer your Credit Line Account and our
rights and obligations under lhls Agreement to anoU1er lender, entity, or person. Yoor rights-under I.his Agreement belong to you only.and may
not be lransferrecl.or assigned. Your obllgaUons, however, are binding on your heirs and legal representatives. Upon any such sale o: transfer,
we will have no further ob~gation to provide you with creclil adllances or lo perform any other obligation under this Agreement.
Notify Us of lnaccmate lnrorrnatlon We-:Rcport To Consumer Reporting Agencies. Please notify us ii we report any inaccurate information about
your eccouni-(sJ lo a consumer reporting-agency. Your wrillen notice describing the specific inaccuracy(ies) should be seni lo us al the
follow ing address: Frost Bank A!lent10n: Loan Service P. 0 . Box 1600 San Antonio, TX 78296.
Dishonored Check Charge. In the event a check ollered in fuli or partial payment on this Credit Line Is returned unpaid, Leader may charge a fee
for lhe purpose al defraying the expense Incident 10 handling such returned check, and Borrower agrees lo pay such fee. The fee shall nol
exceed the maximum amount permitted under applicable raw.
Termination l?Y Co-Borrower. If lhis Agreement is enla-ed Into by two or more Borrowers, any one of such Borrowers may so tennina!e this
Agreement without lhe consent a- approval of the other Borrower(s). Any terminatloo by such Borrower shall not affect the liabirily of each
Borr01,ver hereunder for credit already extended pursuant to the terms hereof.
Past Dua AccounL Notwithstanding anything to th e conlrary herein, in lhe event your Credit Line Account beoomes two (2) months past due,
your right"to obtain advances.from your Credit Line Account will automatically be suspended for so long as your Account remains past due. We
will refuse lo make ad11B11Ces and will reiurn Lin~ of _credit Checks and checks drawn on a design-ated deposit account wi th an lnsilfficlent _
balance with the notation "lnsulficierit Funds" aU wlttiout any liability to you . Your rights to obtain advances under your CredirLina Account will
be reinstated within two (2) business days after the date on which all past due amounts are paid.in full -
CREDIT AGREEMENT AND DISCLOSURE
Loan .No: ·90O1 (Continued) Page 5

Waiver. _To the rull extent permiiied by applica.ble.law. you and any guarantor l)ereol severany waive presentment and demand for palm.ent.
notic;e of n_oripayment, notice··oi ln.tention Lo accelerate."lhe matutily, notice.of acceleratior,, and any and all other noUces.in connection.with .your
·Credit Line Accoun·t.-and Lhe inc(ebledness -owing hereunder, as well-as piligence in lpe. cotloctiori-thereof.
Overdraft F'rntectlon. You may designate-one or more-deposit accounts. with us for overdraft proiection (such designation lo be made.by
fnsertihg the account number(s} for such designated d_e posit accou nt(s) in the space·provided below). If lhe balance in a_designated deposit.
account Ls at any lirneJnsufficient ·to P!'IY any-checlt" _i:lrawn on such account. subject_lo other provisions regarding ad_ 11artces contained:in this
Agreement, w.e :will"make an advance· from your _Credit Line. Account _ (in increments of $ ,5 0.00) ~uflicient to pay S!JCh "Cflecl< ~nd credit said
amount advanced to .such deposii account, provided that Lhe sum of such -advance plus the existing prlnc_ ipal balance.of -your Credi! Line .
Account does.not exc;ood lhe Credit Limil_. Advances will not bfc made from your Credil.Line Account to fum;I automated teller machine/point -of
sale :transaclioris to -e subject to olh r- reeme111s wi th us regarding transfer instruments .or access devices which may access your Credit Line. Any.person
s(gning b~low may·.r • a mo cation 16-"this Agreemenl ..,and, if granted, the modifi"ca!ion will be_b_inding upon atl.signe(s. By _
signing·thrs
Agreement. ·you ac; ge th t u have read this 1,1.greement. You also acknowledge receipt a.I a completed copy of this Agieemerit,
Including the • ·er • g N I e.

BORROWER:

/
CREDIT AGREEMENT AND DISCLOSURE
Loan No: 9001 (Continued) Page 6

BILLING ERROR RIGHTS
YOUR BILLING RIGHTS
KEEP THIS DOCUMENT FOR FUTURE USE ·
This noUce I.e lls you aba.ut your rights and our responslbllltles under the Fair Credit Billfng Act.

What Ta Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write us at the oodtess listed on your statement.

In your Jetter, give us the rollowfng lnfomialion:
• AQQt!JJQ.t..inf.ormati2o: Your name and account number.
• Qollac amount: The dollar.amount or the suspected error.
·• pescriotlori of problem: Jf you think there is an error on your bill, describe what you believe Is wrong and why you believe.it Is a mistake:

You must contact us;
• Vvithln 60 days alter the error appeared on your sta tement.
• •At least -3 business da.vs before an automated payment Is scheduled, if you .w an t to stpp payment on the amount you think rs wrong.
You musl notiry us of any potentia l errors In wdlln9. You may call us, but ii you do we are not required lo Investigate any potential errors and
you may have lo pay th e amount in question.

What Will Happen After We R.eceive Your letter

When·we receive your leiter, we must do two things:
1. Within 30 days of receiving your letter. we must leU you that we received your letter. We will arso tell you If we have already corrected
lhe error.
2. Whhlri 90 days of-receiving yO\.lr letter, we must either correct the error or explain to you why we believe the bill is correct.

Wniie we investigate whether or not there has been an error:
·• Wo ca'rmot try to tolleel the amount in question, or report you as delinquent on that am9unt.
• The charge In question may remain .on your .st.atemerit, and we may continue lo cl1arge_you interest on U1al amount.
• While you ·do not have to pay the amount In queslion, you are responsible lor the remainder of·your balance.
• We can apply any unp_ aid amount against yo ur credit lirnll.

Arter we nnlsh our investigatio·n. one.of two things w ill happen:
• Ir W" made a mj,:lake: You ·will not have to pay lhe amount in question or any interest or other fees related to lhal amount,
• I[ we do nol bj,;:jjaye !here was a mistake: You will have to pay the amount in question, -along with applicable interest and fees. We wHJ
send you -a statement of the amount you owe and the date ~yment is !fl.le. We may lhen report you as delinquent if you do not ~Y the
amount we think you owe.-

If you !l!i:;Bive our explanation but still believe your bill is wrong, you must write lo us within .1Jl..mll£li telling us that you still refuse to pay. If you
do so. we cannot report you as clelinqµent without also reporting that you are questioning your bill. We musneu you the name of anyone to
whom we reported you as delinquenl, and we mus t let those organizations know when the-matter has been sel1led belween tJs.

tr we do not follow all of the rules above, you do not have to pay the first $50 ol the amounl you question even Ir your biU is correct.
Exhibit "B"
The Payment History
IL0372-001 FROST BANK INSTALLMENT LOAN DEPT . 03/27/19 PROG 607S
BANK 001 LOAN INQUIRY THRU 03/27/19 PG 999
BR 001 4 857785 9001 PAGE l PAY - OFF HISTORY 00100 REDA BURNAM ROBERT L -REDA
CTED CTED
001 001 -RED 0000 0 PRIMARY ADDRESS FOR CUSTOMER BURNAM ROBERT L REMARKS
ACTE
ROBERT L BURNAM HPHONE 281-253-6841 OF 009 CUSROT 00/00/00 ACTl 00000000000 NEXT AVAILABLE LOAN NUMS
D BEACH DR
4410 PEBBLE BPHONE 713 - 221-3117 SIC 00000 LASFIN 00/00/00 ACT2 00000000000 0001 1001 2001 3001 4001
00000000000 5001 6001 7001 8001 9002
SOCSEC
CENSUS
REDAC 24 BOR
RTG
NXTFIN
LASREV
00/00/00
00/00/00
ACT3
ACT4 00000000000 PAT ACT : ID CD D
LEAGUE CITY, TX ZIPCOD TED 775730000 SEC 00 ORIGN 07/09/14 ACTS 00000000000 ID NUM 13617684
BURNAM ROBERT L SCHOOL occ 10 BIRTHl 11/28/62 ACT6 08322591831 COUNTRY CD ST CD TX
EMPLYR GRPCUS 0000000 RSK BIRTH2 00/00/00 CONS INFO IND APPL DT 00/00/00
RBRNCH 0426 SLA ISSUE DT 00/00/00
DEBACT AGE 000 DEL 0 EXPIRATION DT 11/28/19
TYP ADDR IND C LST UPDT DT 11/14/18
PARSED N/A FIELDS :
PREFIX
FIRST NAMEROBERT
MID NAME L
LAST NAME BURNAM
GEN
CITY LEAGUE CITY
STATE TX COUNTRY
IL0372-00l FROST BANK INSTALLMENT LOAN DEPT . PROG 607S
BANK 0 01 LOAN I NQUIRY PG 0
BR 001 -REDAC 001 PAGE 2 PAY - OFF HISTORY REDA BURNAM ROBERT L -REDA
TED CTED CTED
001 00 -REDACT 9001 SN/'.\M-BURNAM ROBERT L OFF- 009 HOFF- MODE-3 TYPE-8 CLOS-1 HOLD -0 HOLDDT- 00/00/000 HMOSRUN- 0 RBR-0 42 6
ED
• --CODES-- • •-- -0 ATE s---· · -----LAST TRAN s - ---• ·- --------------------LI NE OF CREDIT-- ------ --------- ----- •

ACTVSW 0 BIRTH 11/28/621 PMTDTE 03 /26/192 PMTSMD 49 ADVMTD .oo INSOWE . 0000 CYCBEG 03/22/192
ALTNA 0 DUEINT 00/00/000 LASTDT 03/27/192 PMTPDU 0 AVLAGG .00 INSYTD .00 CYCEND 04/20/192
BILLDY 15 DUEPRIN 04 /15/192 TRANCD 36 DATE 03/26/192 BALAGG 189,227 . 32 INT/\DJ 33.69801588 LSTSTMT 03/21/192
BILLDYO 00 EARN 00/00/000 ACTNCD C AMT 47,306 . 83 DISPTE . 00 PRVBAL 47,306.83
BORCODE 6B2 ESTMAT 00/00/000 INSADJ .0 000 ADVMTD 0 ADVFEE 0 MEMUNPD .0 0
CALC 5 INTBEG 07/02/142 • --- --AC H DAT A---- • INSLTD .00 ADVYTD 0 CYCDYS 6 MEMCAPT .00
CLASS 01 MATURE 07/15/202 CODE 0 NEW LINE 0
CLOSTP 1 MATUREO 03/27/192 RATE INCR 0 * - ------RA TE DAT A-- - ----- • •-------PAYMENT I NF 0-------- *
CNTRLl 000 NOTE 07 /02/142 STARDT 07/30/182 APR 4. 250 PC WSC BKEARN 4 . 25000 DUE PD AMT DUE PD AMT
CNTRL2 000 ORGPROC 07/09/142 AMOUNT .00 NTC O LO DAYS O PRIMREL +1 . 0000
CNTRL3 000 PASTDUE 00/ 00/000 ACTTYPl I FLOOR 0 . 00000 CEILING 18. 00000 1 04/15 0 966 . 00 7 10/15 1 968 .00
COREAS 01 PDTODTE 00/00/00 0 ACTNUMl 502118262 RATE 6 . 500 00 ADD-ON 0.000 2 03/15 0 968.00 8 09/15 1 982.00
COLL 0010 POCURR 00/00/000 TRNSITl 114000093 PRVRATl 6 . 50000 PRVDTl 12/22/182 3 02/15 0 963.00 9 08/15 1 255 .74
COLLCD 0 REMARKS 00/00/000 ACTTYP2 PRVRAT2 6 . 25000 PRVDT2 10/22/182 4 01/15 0 957.00 10 07/15 1 221. 77
COMAKR 0 TICKA 00/00/000 ACTNUM2 PRVRAT3 6 . 00000 PRVDT3 0 7/1 1 /182 5 12/15 0 971. 00 11 06/15 1 237 .43
COSIGN 0 TICKB 00/00/000 TRNSIT2 000000000 FUNDS 0.000 RTEADJ 0.00000 6 11/15 1 973.00 12 05/15 1 229 . 76
SCHEXTN 0 • ------A M O U N TS------ • ORGRATE 4.25000 EMPL DISC . 0 MI N 20. 00 TYPE 1 PC . 02000
DEFNOTC 0 CHRG .00000000 PROMO RT +0.0000 EXP 00/00/000
DEM/MEM 0 CHRGTOT . 0000 • --INSUR ANCE INFOR MATION ------- • SKI PMTS 000000000000 NOPMTl 0
DISP 0 DISAMT . 00 CLELIG 1 AHELIG 1 RECCD O VSINTBEG 00/00/000 ALLOC ORGPMT .00
INTSCH 0 ESCR TAX .00 ORGDTE 00/00/000 ORGLST .00
JOINT 0 ESCR INS . 00 CR START-DTE EXPIR-DTE PREM/RATE REB/OWE TRM • --ADD IT ION AL CHRGS--- •
LEDGER 11 FEESPD . 00
MATCODE 0 FIGAMT .00 1- .00 . 00 - LATE CHGS - - OTHER CHGS -
MISBALI 0 INTACUM 7,747.59707482 2- . 00 .00
RISK INTDUE 477 . 51 3- . 00 . 00 ASSESSD 108. 84 ASSESSD . 00
MISCOD2 INTLOST . 00000000 4 - .00 .00 PAID 33 . 84 PAID .00
MISCSTA 0 INTPAY . 00000000 5- .0 0 .00 WAIVED 75.00 WAIVED . 00
MOSRUN 0 INTPD 7 , 747.59 6- . 00 . 00 UNPAID . 00 UNPAID . 00
MOSRUNY 0 INTPDY .0000 7- . 00 . 00 MAXIMUM . 00
NEWUSE 0 LNBAL . 00 VS IINT . 00 INSREBT/OWE . 00 YTD ASD 30.00 - EXTENSIONS -
NOPARTS 0 LSTBILL 4,825.00 VSIIRB . 0000 INSREBA .0 000 CODE 0
NOTICE 9 NEWFEES .00 VS IIRBP . 00 VSIINTHRU 00/ 00/ 000 ASSESSD .00
NTERTNG ORIGINAL 50,000 . 00 - MISC CHGS - PAID . 00
occ 10 OVERPAY . 00 *---- ----M ISC DAT A--- -----• DEFERED . 00
PMTBYOT 0 PARTBAL . 00 ACCRUAL DAYS 0 EMPL IND N ASSESSD . 00 LASTDTE 00/00/000
PRINSCH 3 PARTPAY . 00 78FTCUR . 00000000000 ALT MODE N PAID . 00 NUMOF 0
RECOVRY 1 PASTAMT .00 78FTNXT .00000000000 INS MAST N WAIVED . 00 NUMOF HOL 0
RENEW 0 PAYMENT 966 .00 CAR.BYUS 1 . 0000 UNPAID . 00
REV 1 PO/'.\MT . 00 CFAKEYl 0000000000000 *- ---1 NS UR AN C E INF 0----- •
REWRIT 0 POINTPD 1 , 008 . 26 CFAKEY2 0000000000000 MTD ACC/PROJ INT PO DUE
TERM 0 PRINDUE .00 GEOCODE 1- . 00 . 00 . 00
TERMO O PRINPD 108 , 693 .17 MINACC .00 2- . 00 . 00 .00
TICKJ\CD SBALPRV . 00 SELABA 0000000 3- . 00 . 00 .0 0
TICKBCD SLNBAL . 00 AUTO EXT 4- . 00 . 00 .00
TITLES O SVCHRG .00 ACCRUAL CODE 0 5- . 00 . 00 .00
TRWCOMM UNERNBK . 00000000 REWRITEN-ACT 000-0000000-0000 ACCT UNIT 0000000 6 - . 00 . 00 . 00
REMARKS 1 - CLOSE PLC - R/C CHARGE OFF USERCODES UNSECURED STAT AU 0000000 7 - . 00 . 00 . 00
IL0372 - 001 FROST BANK INSTALLMENT LOAN DEPT. 03/27 /19 PROG 607S
LOAN INQUIRY THRU 0~ PG 1
BANK 001 -REDA
BR 001 9001 PAGE 3 PAY - OFF HIS'rORY 0010-REDAC BURNAM ROBERT L -REDA
CTED TED CTED
TIER-METHOD l TIER - BAL-CHNG 07/02/14.2 STMNT - TYPE 4 MEM-ASSMT 00/00/000 REV FREQ O DISPUTE 00/00/000

* --- - ------ TIER 2 INFORMATION- --- ---- -- -* *----- ----- TIER 3 INFORMATION- -- -- --- ---* * - - --- -- ---TIER 4 I NFORMATION ----- --- - - - *
RATE 0.00 00 0 BALANCE 999 , 999,999.99 RATE 0 . 00000 BALANCE 999,999 , 999.99 RATE 0.00000 BALANCE 999,999 ,9 99.99
PRIMCD AGGBAL . 00 PRIMCD AGGBAL .00 PRIMCD AGGBAL .00
PRIMREL +0.0000 PAYBAL 999 , 999,999.99 PRIMREL +0 . 0000 PAYBAL 999,999,999.99 PRIMREL +0 . 0000 PAYBAL 999,999,999.99
CYCDYS 000 PAYPC .00000 CYCDYS 000 PAYPC .00000 CYCDYS 000 PAYPC .00 000
PRVRATl . 0000 00 0 PRVDATEl 07/02/142 PRVRATl .0000000 PRVDATEl 07/02/142 PRVRATl . 0000000 PRVDATEl 07/02/ 142
PRVRAT2 .00 00000 PRVDATE2 00/00/000 PRVRAT2 .0000000 PRVDATE2 00/00/000 PRVRAT2 . 0000000 PRVDATE2 00/00/000
PRVRAT3 .0000000 PRVDATE3 00/00/000 PRVRAT3 .0000000 PRVDAT83 00/00/000 PRVRAT3 .0000000 PRVDATE3 00/00/000

*PERIOD CEI LING* .. --REAMORT---• * -- -- - ---------- - --------------------- --M ISCELLANEOUS------ -- ---- --- ------* *SECURITIZATION*
RATE .0000000 DATE 00/00/000 CLSFD CODE CLSFO AMT . 00 CLSFD 00/00/000 ELIGIBILITY CD 0
DATE 00/00 / 000 FREQ 0 COMBINED STMT O INT CYCLE 974 . 5690 LATE ASSMT 00/00/000 STATUS CODE
MAXINC .0 0000 NTC LD DYS 0 SMSA CODE 00000 PAY CEILING 48,327 . 93 REPO 00/00/000 POOL NUMBER 000
FREQ 0 USER EXIT CODE PICKUP BAL .00 RIGHT CURE 00/00/000 SLD DT 00/00/000
USURY CODE INT PD PRIOR 2,841.59 NEXT-067 00/00/000 INV ID
* - ---- - -PLC FUNDS ON HOLD - --- ---- • VIN RTC NUM O LST LC ASM 02/25/192 •--NONACCRUAL--*
1 . 00 00/00/000 0 STOCK EFF IND 1 1ST CHG OT 00/00/000 AUTO IN OPT
2 . 00 00/00/000 0 TRUST PRV INT DUE O. 00 PRV INT DT 00/00/000 AUTO IN DYS 0
3 . 00 00 /00 /0 00 0 MANUFACTURER DESC BILL PO OPT 0 AUTO OUT OPT
MODEL YEAR NOTC LEAD DAYS 00 LAST CTRCT 07/02/142 AUTO OUT DYS 0
• ----- - --- PLC CARD ISSUE - ---- --- - - * MODEL CAPT INT IND 0 FINAL OT 00/00/000 PMTS MD 0
FREQ O LST 00/00/000 NXT 00/00/000 FXDTLO IND CAPT MEM IND 0 BANKTCY DT 00/00/000 EFF OT 00/00/000
NFPS SCHEDULE IND CREDI T REASON AUX SEARCH
MIL LEND ACT IND N
• ---- ---PREPAYMENT PENALTY----- - --* *------ - PRICING KEYS -- -----* *- -- ----BALANCE KEYS--- ---- • * ----- INSURANCE MAXIMUMS -- - -- •
PLAN DEF-CDE AMT .00 L 2181222-001 4 0000000 - 000 L 2190326-001 4 0000000-000 1 .00 5 .00
PERIOD 1 0 CHG/PC l .0000000 l 0000000- 000 5 0000 0 00-000 1 0000000-000 5 0000000-000 2 .OD 6 .oo
2 0 2 .00000 00 2 00 0 0000 - 000 6 0000000-000 2 0000000-000 6 0000000-000 3 . 00 7 . 00
3 0 3 .0 0 00000 3 0000000-000 7 000 0000-000 3 0000000 - 000 7 0 000000 - 000 4 .00
4 0 4 . 000 0000

*--- -- ----- -- --- DEALER INFO -- -- - -- --- ----- -* ESC TAX . 00 IND *-USER-REG-FIELDS-* *--- - -- -- PENDING RATES -- -- -- - -- *
UPFRONT TYPE SPLIT METHOD ESC INS .00 IND TRATEl 0.00000 EFF 00/00/000
PO CHGBK TYPE ADVPCT .00 LST ANALYSIS 00/00/000 CD POLI CY EXC 00 TRATE2 0.00000 EFF 00/00/000
PO CHGBK OPT FULLDIS .00 •--- - --CLOSED TO POSTING --- -* PROCES FEE TRATE3 0 . 00000 EFF 00 /00/000
PO CHGBK PRO 0 MINPCT .00 CTP REASON COLL DATE 03/11/19 RE-WRITE TRATE4 0.00000 EFF 00/00/000
co CHGBK TYPE MINRES .00 CTP PD DYS O OFF PROMO CODE
LOT LOANS USER SIN AA ORG
PODLRl .00 ADDDLY .0000 ACCRUAL CD USER SIN AA ST
PODLR2 . oo ADDMTD .0000 *- -- - - CREDIT SCORE INFO - - - -- • *·-- --RECOVERY FIELDS· ··· * * · FUNDS APPLIED TO PRIN-*
PODLR3 .00 ADDLTD .0000 CRD SCR APPL SCR 0775 CHGOFF RESV .0 0 INDICATOR
POOLR4 .00 OI SB IND FINAL SCR 0000 CUTF SCR LOAN RCVY .00 APPLIED .00
DLR AMT OPT 0 DLR PRGM CD OVERRIDE BYPASS 0028 ASSET VALUE .00 RECOVERED .00
*-FLOORPLAN CURTAILMENTS-* BKRPTCY
SCHEDULE CODE FP TRIAL IND N ALGORTM 789563 UNDWRT C37 *------------------ - LINE OF CREDIT ---- - ----- - --- - --- *
%/AMOUNT INDICATOR 0 FP ADDR I ND 1 DATE 07/09/142 ADV INCR INIT .00 OL ADV FEE . 00
PERCENT . 0000000 FP TEXT IND 00 FP ACH PRIN DRAFT DAYS 00 ADV INCR SUBS .00 MEM FEE/PCT .00
AMOUNT .00 FP SORT IND L FP ACH INT/FEE DRAFT DAYS DO ADV MINIMUM .00
IL0372-001 FROST BANK INSTALLMENT LOAN DEPT. 03/27/19 PROG 607S
BANK 001 LOAN INQUIRY THRU 03/27/19 PG 2
BR 001 -REDAC 9001 PAGE 4 PAY - OFF HISTORY OOlO ~REDAC BURNAM ROBERT L -REDA
TED TED CTED
* ------ --DEL I N Q u E N C Y I N F O RM A T ION------- - * * --------- - - -----PLC PROMOTION INFORMATION-------- --- ----*
INCR BAL .00 ADV STRT 00/00/000 END 00/00/000
DELINQUENCY WORK AREA COMP BAL .00 RTE STRT 00/00/000 END 00/00/000

Case Info

Judge

Neves, Kerry Track Judge’s New Case

Case No.

(Subscribe to View)

Document Filed Date

April 30, 2024

Case Filing Date

April 30, 2024

County

Parties

For full print and download access, please subscribe at https://www.trellis.law/.

Complaint,Petition: Frost Bank vs. Robert Burnam

Preview

Related Topics

Case Info

Parties