Zabel vs. American Express National Bank, et al.
| Tonja N. Zabel |
| American Express National Bank, Zwicker & Associates, P.C., American Recovery Service INC. and Vinci Law Office, LLC |
| 1:2026cv04247 |
| September 10, 2026 |
| U.S. District Court for the District of Colorado |
| Charlotte N. Sweeney |
| Cyrus Y. Chung |
| Consumer Credit |
| 15 U.S.C. § 1681 Fair Credit Reporting Act |
| Plaintiff |
Docket Report
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| Filing 43 LETTER to Pro Se Litigants: Attached is a letter the Court shares with all Pro Se Litigants ahead of your first appearance in Court. The purpose of this letter is to make you aware of some of the rules and practices followed in this Court, so that you are better prepared to represent yourself in your pending litigation. (spric) |
| Filing 42 AMENDED COMPLAINT FIRST against American Express National Bank, American Recovery Service INC., Vinci Law Office, LLC, Zwicker & Associates, P.C., filed by Tonja N. Zabel. (Attachments: #1 Exhibit Exhibits A thru C, #2 Exhibit EXHIBITS D THRU H, #3 Exhibit EXHIBITS I THRU N)(Zabel, Tonja) |
| Filing 41 MEMORANDUM regarding #40 Motion to Dismiss for Failure to State a Claim Pursuant to Fed. R. Civ. P. 12(b)(6). Motion #40 is referred to Magistrate Judge Cyrus Y. Chung, by Judge Charlotte N. Sweeney on 11/3/2026. For all non-e-filer pro se parties, a copy of this document has been sent via U.S. Mail to the mailing address of record. Text Only Entry (cnsja, ) |
| Filing 40 MOTION to Dismiss for Failure to State a Claim Pursuant to Fed. R. Civ. P. 12(b)(6) by Defendant Vinci Law Office, LLC. (Sattler, Kassandra) |
| Filing 39 MEMORANDUM regarding #36 Motion to Dismiss for Failure to State a Claim filed by Zwicker & Associates, P.C. and #37 Motion to Dismiss for Failure to State a Claim filed by American Recovery Service INC. Motions #36 and #37 is referred to Magistrate Judge Cyrus Y. Chung, by Judge Charlotte N. Sweeney on 11/2/2026. For all non-e-filer pro se parties, a copy of this document has been sent via U.S. Mail to the mailing address of record. Text Only Entry (cnsja, ) |
Filing 38
Minute Order: Defendant American Express National Bank's Second Unopposed Motion for Extension of Time to Respond to Complaint, ECF No. #34 , is GRANTED for good cause shown. Defendant American Express National Bank shall answer or otherwise respond to the plaintiff's complaint, ECF No. #1 , on or before November 9, 2026. Entered by Magistrate Judge Cyrus Y. Chung on 11/2/2026. Text Only Entry (spric)
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| Filing 37 MOTION to Dismiss for Failure to State a Claim by Defendant American Recovery Service INC.. (Crocker, Kevin) |
| Filing 36 MOTION to Dismiss for Failure to State a Claim by Defendant Zwicker & Associates, P.C.. (Crocker, Kevin) |
| Filing 35 MEMORANDUM regarding #34 Unopposed Motion for Extension of Time to File Answer or Otherwise Respond re #1 Complaint. Motion #34 is referred to Magistrate Judge Cyrus Y. Chung, by Judge Charlotte N. Sweeney on 11/2/2026. Text Only Entry (cnsja, ) |
| Filing 34 Unopposed MOTION for Extension of Time to File Answer or Otherwise Respond re #1 Complaint, by Defendant American Express National Bank. (Hobbs, Eric) |
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Filing 33
ORDER striking #32 Unopposed MOTION for Extension of Time to File Answer or Otherwise Respond re #1 Complaint. The Motion #32 is STRICKEN for failure to comply with this Court's Uniform Civil Practice Standards. See CNS Civ. Practice Standard 10.1 which can be found #here. Also see ECF No. 17. The Court grants Defendant one business day to refile a compliant motion By Judge Charlotte N. Sweeney on 11/2/2026. (cnsja, )
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| Filing 32 Unopposed MOTION for Extension of Time to File Answer or Otherwise Respond re #1 Complaint, by Defendant American Express National Bank. (Hobbs, Eric) |
| Filing 31 NOTICE of Entry of Appearance by Eric J. Hobbs on behalf of American Express National BankAttorney Eric J. Hobbs added to party American Express National Bank(pty:dft) (Hobbs, Eric) |
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Filing 30
Minute Order: Defendant Vinci Law Office, LLC's Unopposed Motion for Extension of Time to Respond Complaint, ECF No. #22 , and Defendant American Recovery Service Incorporated's Unopposed Motion to Extend Responsive Pleading Deadline, ECF No. #26 , are GRANTED for good cause shown. Defendants Vinci Law Office, LLC and American Recovery Service Inc. shall answer or respond to plaintiff's Complaint, ECF No. #1 , on or before November 2, 2026. Entered by Magistrate Judge Cyrus Y. Chung on 10/7/2026. Text Only Entry (spric)
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| Filing 29 MEMORANDUM regarding #22 Unopposed Motion for Extension of Time to File Answer or Otherwise Respond re #1 Complaint and #26 Unopposed Motion for Extension of Time to File Answer or Otherwise Respond re #1 Complaint. Motions #22 , #26 , are referred to Magistrate Judge Cyrus Y. Chung, by Judge Charlotte N. Sweeney on 10/7/2026. Text Only Entry (cnsja, ) |
| Filing 28 NOTICE of Entry of Appearance by Kevin Thomas Crocker on behalf of American Recovery Service INC. (Crocker, Kevin) |
| Filing 27 CORPORATE DISCLOSURE STATEMENT identifying Corporate Parent Firstsource Business Process Services, Other Affiliate Firstsource Group USA, Inc., Other Affiliate Firstsource Solutions, Limited for American Recovery Service INC.. (Crocker, Kevin) |
| Filing 26 Unopposed MOTION for Extension of Time to File Answer or Otherwise Respond re #1 Complaint, by Defendant American Recovery Service INC.. (Crocker, Kevin) |
| Filing 25 NOTICE of Entry of Appearance by Kevin Thomas Crocker on behalf of Zwicker & Associates, P.C. (Crocker, Kevin) |
| Filing 24 CORPORATE DISCLOSURE STATEMENT. (Crocker, Kevin) |
| Filing 23 STIPULATION for Extension of Time to Answer or Respond to the Complaint by Defendant Zwicker & Associates, P.C.. Zwicker & Associates, P.C. answer due 11/2/2026. (Crocker, Kevin) |
| Filing 22 Unopposed MOTION for Extension of Time to File Answer or Otherwise Respond re #1 Complaint, by Defendant Vinci Law Office, LLC. (Vinci, Benjamin) |
| Filing 21 NOTICE of Entry of Appearance by Benjamin Vinci on behalf of Vinci Law Office, LLCAttorney Benjamin Vinci added to party Vinci Law Office, LLC(pty:dft) (Vinci, Benjamin) |
| Filing 20 NOTICE of Scheduling Conference to Unappeared Parties by Plaintiff Tonja N. Zabel (Attachments: #1 Exhibit Exhibit 1 - Minute Order (ECF No. 19))(Zabel, Tonja) |
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Filing 19
MINUTE ORDER: Pursuant to the Order of Reference, this Court will hold the Fed. R. Civ. P. 16(b) Scheduling Conference on December 3, 2026 at 11:00 a.m., in Courtroom C-201, on the second floor of the Byron G. Rogers United States Courthouse located at 1929 Stout Street, Denver, Colorado. It is further ORDERED that Plaintiff shall notify all Parties who have not entered an appearance of the date and time of the Scheduling Conference. The Parties shall file the proposed Scheduling Order with the Clerk's Office, and in accordance with District of Colorado Electronic Case Filing ("ECF") Procedures, no later than seven days prior to the scheduling conference. The proposed Scheduling Order is also to be submitted in Word format by email to Magistrate Judge Chung at [email protected]. Entered by Magistrate Judge Cyrus Y. Chung on 10/02/2026. For all non-e-filer pro se parties, a copy of this document has been sent via U.S. Mail to the mailing address of record. (agryan)
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Filing 18
Minute Order: Defendant American Express National Bank's Unopposed Motion for Extension of Time to Respond to Complaint, ECF No. #15 , is GRANTED for good cause shown. The defendant America Express National Bank shall answer or otherwise respond to plaintiff's Complaint, ECF No. #1 , on or before November 2, 2026. Entered by Magistrate Judge Cyrus Y. Chung on 10/1/2026. For all non-e-filer pro se parties, a copy of this document has been sent via U.S. Mail to the mailing address of record. Text Only Entry (spric)
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Filing 17
MEMORANDUM regarding #15 Unopposed Motion for Extension of Time to File Answer or Otherwise Respond re #1 Complaint. Motion #15 is referred to Magistrate Judge Cyrus Y. Chung. However, upon review of the motion, the parties are ordered to review this Court's Uniform Civil Practice Standards. Specifically, CNS Civ. Practice Standard 10.1(a) which can be found #here. All future filings shall be made in Arial 12-point font. The Court may summarily strike future filings that do not comply. By Judge Charlotte N. Sweeney on 9/30/2026. For all non-e-filer pro se parties, a copy of this document has been sent via U.S. Mail to the mailing address of record. Text Only Entry (cnsja, )
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| Filing 16 SUMMONS Returned Executed by Tonja N. Zabel. Zwicker & Associates, P.C. served on 9/21/2026, answer due 10/13/2026. (Zabel, Tonja) |
| Filing 15 Unopposed MOTION for Extension of Time to File Answer or Otherwise Respond re #1 Complaint, by Defendant American Express National Bank. (Aspen, Michelle) |
| Filing 14 NOTICE of Entry of Appearance by Michelle Eve Aspen on behalf of American Express National BankAttorney Michelle Eve Aspen added to party American Express National Bank(pty:dft) (Aspen, Michelle) |
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Filing 13
ORDER REFERRING CASE to Magistrate Judge Cyrus Y. Chung for all motions. Pursuant to 28 U.S.C. 636(b)(1)(A) and (B) and Fed. R. Civ. P. 72(a) and (b), this case is referred to the assigned United States Magistrate Judge to (1) convene a scheduling conference under Fed. R. Civ. P. 16(b) and enter a scheduling order meeting the requirements of Local Civ. R. 16.2, (2) conduct such status conferences and issue such orders necessary for compliance with the scheduling order, including amendments or modifications of the scheduling order upon a showing of good cause, (3) hear and determine pretrial matters, including discovery and other non-dispositive motions, (4) conduct hearings, including evidentiary hearings, and submit proposed findings of fact and recommendations for rulings on dispositive motions, and (5) pursuant to Local Civ. R. 16.6 and at the discretion of the Magistrate Judge, convene such early neutral evaluation and/or settlement conferences and direct related procedures as may facilitate resolution of this case without the necessity of a motion or prior authorization of the undersigned. Additionally, the parties are ordered to familiarize themselves with the Uniform Civil Practice Standards of both judicial officers assigned to this case which can be found #here. (www.cod.uscourts.gov/JudicialOfficers). By Judge Charlotte N. Sweeney on 9/29/26. For all non-e-filer pro se parties, a copy of this document has been sent via U.S. Mail to the mailing address of record. Text Only Entry (jdyne, )
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| Filing 12 Magistrate Judge consent form issued pursuant to 28 U.S.C. 636(c). (agryan) |
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Filing 11
ORDER Drawing Case. After review pursuant to D.C.COLO.LCivR 8.1(a), the Court has determined that this case does not appear to be appropriate for summary dismissal. Therefore, the case will be drawn to a presiding judge and, if applicable, to a magistrate judge. See D.C.COLO.LCivR 8.1(c). Accordingly, this case is randomly reassigned to Judge Charlotte N. Sweeney, and drawn to Magistrate Judge Cyrus Y. Chung for all further proceedings. All future pleadings should be designated as 26-cv-04247-CNS, by Magistrate Judge Richard T. Gurley on 09/28/2026. For all non-e-filer pro se parties, a copy of this document has been sent via U.S. Mail to the mailing address of record. (agryan)
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| Filing 10 NOTICE of Errata re: Document 7 by Plaintiff Tonja N. Zabel (Zabel, Tonja) |
| Filing 9 SUMMONS Returned Executed by Tonja N. Zabel. (Zabel, Tonja) |
| Filing 8 SUMMONS Returned Executed by Tonja N. Zabel. American Recovery Service INC. served on 9/17/2026, answer due 10/8/2026. (Zabel, Tonja) |
| Filing 7 SUMMONS Returned Executed by Tonja N. Zabel. Vinci Law Office, LLC served on 9/18/2026, answer due 10/9/2026. (Zabel, Tonja) |
| Filing 6 SUMMONS Returned Executed by All Plaintiffs. American Express National Bank served on 9/10/2026, answer due 10/1/2026. (Zabel, Tonja) |
| Filing 5 SUMMONS issued by Clerk over the counter. (agryan) |
| Filing 4 NOTICE OF PRO SE E-FILING PRIVILEGES: Plaintiff, Tonja N. Zabel, sought and received e-filing privileges on 9/17/2026. All further service will be effectuated electronically via CM/ECF to the email address of record.(Text Only Entry) (dgumb, ) |
| Filing 3 Case assigned to Magistrate Judge Richard T. Gurley for Initial Review pursuant to D.C.COLO.LCivR 8.1 (a). Text Only Entry. (manoe, ) |
| Filing 2 SUMMONS issued over the counter by Clerk. (manoe, ) |
| Filing 1 COMPLAINT For Damages and Equitable Relief Demand for Jury Trial against American Express National Bank, American Recovery Service INC., Vinci Law Office, LLC, Zwicker & Associates, P.C. Filing Fee: $405.00 Receipt Number:119454, filed by Tonja N. Zabel. (Attachments: #1 Civil Cover Sheet, #2 Receipt)(manoe, ) |
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