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 Lac Courte Oreilles / Cane Bay cases
rulingBlue Trust becomes eLoanWarehouse; financier named
The Lac Courte Oreilles Band’s lending has shifted brands but not tribe: Blue Trust Loans (Hummingbird Funds LLC) is winding down and eLoanWarehouse (Opichi Funds LLC) is its successor, still lending in 2026 at around 600% APR on $300–$3,000.
Court records name both — Easley v. Hummingbird Funds d/b/a Blue Trust Loans (11th Cir. 20-13644); Borowski v. Opichi Funds LLC d/b/a eLoanWarehouse (N.D. Ill. 1:25-cv-00655); Kalkbrenner (1:23-cv-14232).
The rent-a-tribe money is unusually well documented: LCO Financial Services itself sued its own financier, Cane Bay Partners VI (E.D. Wis. 3:22-cv-00344), run by Kirk Chewning and David Johnson, with Strategic Link Consulting and Dimension Credit (Cayman) also named.
✕ 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 eLoanWarehouse?
Yes — The Lac Courte Oreilles / Cane Bay cases (N.D. Ill., 11th Cir. — several pending). Outcome: Blue Trust becomes eLoanWarehouse; financier named. It did not produce a payout you can claim.
Do I still owe my eLoanWarehouse loan?
No case has cancelled eLoanWarehouse 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 eLoanWarehouse settlement?
There is no live claims site for eLoanWarehouse. 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.