CashCall Closed
Not tribal — J. Paul Reddam (CA); funded and serviced Western Sky · 2003–2018
CashCall wasn't a tribal lender at all — it was the California company that funded and collected Western Sky's loans, and courts ordered it to pay $134 million in restitution. Do not expect a cheque. Nothing has been distributed, there is no claims site, and in July 2026 CashCall moved to have the judgment thrown out entirely. If you were a Western Sky borrower, the relief that actually reached people came from your state's attorney general, not from this case.
Do I still owe CashCall?
- Debt relief
- State-level refunds and write-offs across many states
- Cash fund
- $134M CFPB restitution (affirmed 2025)
- Closed
- 2018
Quit consumer lending after De La Torre; CFPB won $134M restitution + $33M penalty over Western Sky loans.
CashCall at a glance
Closed- Owning tribe
- Not tribal — J. Paul Reddam (CA); funded and serviced Western Sky
- Lending since
- 2003
- Loan amounts
- $850–$10,000
- APR range
- 89–342%
- Product
- installment
- Website
- cashcall.com
What a CashCall loan cost
CashCall's own loans ran $850 to $10,000 at 89–342% APR — but its significance is as the money and machinery behind Western Sky Financial. CashCall (and its affiliates WS Funding and Delbert Services) funded Western Sky's loans, bought them almost immediately, and collected them — while the tribal-sounding brand took the legal exposure.
The company behind Western Sky
CashCall was founded by J. Paul Reddam in Orange, California — an ordinary non-tribal lender. Its role in the Western Sky story was to supply the capital, purchase the loans and run collections, letting Western Sky present itself as a tribal lender beyond state usury law. Regulators treated CashCall as the true lender.
The CFPB won $134,058,600 in restitution plus a $33.3 million penalty; the Ninth Circuit affirmed in January 2025 and the Supreme Court denied review on 2 March 2026. That sounds like the end of the story. It is not.
No distribution has begun, CashCall/Western Sky appears nowhere on the CFPB's list of cases paying harmed consumers, and there is no claims website. On 8 July 2026 CashCall filed a motion under Rule 60(b) asking to be relieved of the judgment altogether, with a hearing set for 14 September 2026 before Judge John F. Walter.
As of this update, not one borrower has been paid through this case. States piled on separately — Georgia over $40M, South Carolina about $9.15M in loans forgiven, West Virginia $13M, Maryland $2M, Michigan $2.2M, plus Washington, Nebraska, Massachusetts and North Carolina. CashCall stopped consumer lending in 2018 after the De La Torre class action.
Frequently asked questions
Was CashCall a tribal lender?
No. CashCall was a non-tribal California company founded by J. Paul Reddam. It funded, bought and collected Western Sky Financial’s loans — the tribal branding was Western Sky’s, and regulators treated CashCall as the true lender.
Do I still owe CashCall or Western Sky?
Likely not. The CFPB won $134M in restitution (affirmed 2025, Supreme Court review denied 2026), and many states voided or refunded these loans outright. If a collector pursues one, dispute it and check your state’s action.
Is CashCall still in business?
It quit consumer lending in 2018 after the De La Torre class action, and CashCall Mortgage was sold to Impac in 2015. The consumer-lending brand is dormant.
This brand is one of many that stopped lending — and in several cases the balances were legally wiped out in a settlement. See the full picture: which tribal lenders shut down, and were the debts cancelled?