One case produced real relief for Big Picture Loans borrowers. Relief in this industry is almost always limited to loans taken inside a specific window, and the settlement sites that would let you check are usually gone. Check the date on your agreement against the case record below.
The $65 million settlement was voided — do not chase it
A second class settlement in Galloway v. Martorello would have created a roughly $65 million fund for borrowers with Big Picture or Castle Payday loans taken between 22 June 2013 and 1 May 2024. Pages across the web still invite you to claim a share of it.
It no longer exists. The settlement website states that as of 13 November 2024 the defendants were unable to fund the settlement, so it voided under its own terms, and one or more defendants have since filed for bankruptcy in the Northern District of Texas. Funding was due in October 2024, was extended thirty days, and never arrived.
The only remaining route for that class is a claim in the bankruptcy, which means contacting class counsel — not filling in a settlement form. Treat any site still advertising a $65 million payout as out of date.
The earlier settlement, by contrast, delivered. It cancelled loans, paid cash to some class members, capped total collection at 2.5 times original principal, ended collection on loans more than 210 days in default, and — unusually — barred the defendants from selling or assigning charged-off balances.
That last term is why Big Picture debts, unlike most closed tribal loans, did not simply reappear in the hands of a debt buyer. Its claim deadline passed on 10 September 2021.
The cases
Williams v. Big Picture Loans
rulingTribe WON sovereign immunity
A rare pro-lender precedent: the Fourth Circuit held that Big Picture Loans and Ascension Technologies are "arms of the tribe" (Lac Vieux Desert Band) and entitled to sovereign immunity — the mirror image of Western Sky, which lost the identical argument because Martin Webb owned it personally rather than the tribe owning it.
Plaintiffs pivoted to the non-tribal financier and won there instead: $43,401,817.47 against Matt Martorello on civil RICO grounds, affirmed by the Fourth Circuit in July 2025. The earlier Williams settlement did deliver — $8.7M cash, loans cancelled, collection capped at 2.5x principal, and the defendants barred from selling charged-off balances.
The LATER $65M Galloway settlement VOIDED on 13 November 2024 when the defendants could not fund it; sites still advertising it are wrong.
✓ Produced relief for borrowers
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 authorization 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 Big Picture Loans?
Yes — Williams v. Big Picture Loans (4th Cir. (No. 18-1827)). Outcome: Tribe WON sovereign immunity. It did produce relief for borrowers.
Do I still owe my Big Picture Loans loan?
Possibly not — Williams v. Big Picture Loans produced relief covering Big Picture Loans. Check the loan dates on this page: relief in this industry is almost always limited to a specific window. Outside it, your state's rate cap decides — in nine states these loans are void and nothing is owed.
Can I claim money from a Big Picture Loans settlement?
There is no live claims site for Big Picture Loans. 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.