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 Kali / Layma RICO cases (CreditCube, Condor, Little Lake)
rulingTwo Big Valley LLCs, a bank and a collector named
The Big Valley Band of Pomo Indians’ lending runs through two LLCs at one Lakeport, California address: Kali LLC (CreditCube and Condor Credit) and Layma LLC (Little Lake Lending), per a Washington DFI alert. A run of federal RICO suits names them. Against Credit Cube: Armstrong (M.D.N.C.
1:25-cv-00916, filed October 2025, pending), Harris (N.D. Ill. 1:23-cv-01153) and Steffen (N.D. Ill. 1:24-cv-04473). Against Layma / Little Lake: Long (N.D. Ill. 1:22-cv-04365), Stoicescu (1:23-cv-14387), Corbin (1:24-cv-04646) and Conlin (S.D. Ind. 1:23-cv-00377).
Unlike the ZocaLoans case, no private-equity financier is named — the recurring non-tribal parties are North American Banking Company, which moves the money, the collector Viking Client Services, and one individual, Ben G. Ray III, in every caption.
Most of these individual suits closed quickly; the specific dispositions were not readable, so we do not call any of them "settled". Note that Green Arrow Loans, though it also claims Big Valley ownership, is a separate operator (Integra Financial / Dan Shaw) and is not part of this family.
✕ 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 CreditCube?
Yes — The Kali / Layma RICO cases (CreditCube, Condor, Little Lake) (M.D.N.C., N.D. Ill., S.D. Ind. — Armstrong pending). Outcome: Two Big Valley LLCs, a bank and a collector named. It did not produce a payout you can claim.
Do I still owe my CreditCube loan?
No case has cancelled CreditCube 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 CreditCube settlement?
There is no live claims site for CreditCube. 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.