TD Bank USA is a debt buyer that purchases debts for pennies on the dollar. They file lawsuits against consumers in an attempt to collect more than what they paid for the debt to make a profit. If you did not respond appropriately they may have taken a judgment against you. In Oklahoma, a judgment can be aggressively collected for twenty (5) years and even longer if they keep renewing the judgment. This gives TD Bank USA a long time in which to come after you. You may think that a judgment is just a worthless piece of paper. You may think that they can not force you to pay the judgment. You are wrong.