Every case below is worth understanding, but none of them wipes your balance. That question falls back to your state: in nine states, triple-digit loans are void and nothing is legally owed — which is a stronger position than any settlement.
The cases
The Flandreau Santee Sioux (605 Lending) cases
rulingA rent-a-bank layer named alongside the tribe
The Flandreau Santee Sioux Tribe’s lending arm, FSST Management Services LLC, operates 605 Lending — named in Lessen v. FSST Management Services LLC d/b/a 605 Lending (C.D. Ill. 3:26-cv-03044) and Hillstrom v. FSST (W.D. Wis. 3:24-cv-00491).
What distinguishes these dockets is the rent-a-bank layer: they name Lead Bank as the loan originator, plus Infinity Enterprise Lending Systems and the individuals Steve Christensen and Dustin Dernier. It is an early, pending case — no relief yet.
✕ No payout borrowers can claim
What to do if you are still being collected from
- Check your loan date first. Relief in this industry is bounded by a window, and the boundary is where people lose. A Mountain Summit loan from February 2021 was not cancelled while its sister brands' were; a Lac du Flambeau loan after 1 October 2023 falls outside the $1.4 billion Fitzgerald cancellation.
- Check your state before you negotiate. In nine states, loans above the rate cap are void — nothing is owed regardless of the contract or any settlement. See where tribal loans are void.
- Do not pay to make it stop. A payment can restart the statute of limitations on a debt that may already be unenforceable. It is the most expensive reflex in debt collection.
- Demand written validation within 30 days of first contact: the original agreement, the full payment history, and proof the collector owns the debt. Chains of sale on tribal loans are frequently incomplete.
- Revoke ACH authorisation in writing — to the lender and, separately, to your bank. Telling only one of the two is the common mistake.
Our full walkthrough is in how to get out of a tribal loan, and can tribal lenders sue you covers what they can and cannot actually do.
Frequently asked questions
Is there a lawsuit against 605 Lending?
Yes — The Flandreau Santee Sioux (605 Lending) cases (C.D. Ill., W.D. Wis. — pending). Outcome: A rent-a-bank layer named alongside the tribe. It did not produce a payout you can claim.
Do I still owe my 605 Lending loan?
No case has cancelled 605 Lending debt. Whether it is enforceable comes down to your state: in nine states, loans above the rate cap are void and nothing is legally owed regardless of the contract. Elsewhere, demand written validation from anyone collecting.
Can I claim money from a 605 Lending settlement?
There is no live claims site for 605 Lending. In this industry that is the norm rather than the exception: relief, where it exists, is usually automatic — the administrator uses the lender's own records and pays without a form — or it never reaches borrowers at all.