One case produced real relief for Lendgreen 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. The dates below decide whether it reaches you.
Does it cover your Lendgreen loan?
- Fitzgerald v. Wildcat covers Lendgreen loans made July 24, 2016 through October 1, 2023. By the same dates, a loan made on or after October 2, 2023 is outside it, and so is one made before July 24, 2016.
Lendgreen dates to 2016 and stopped lending in 2023. The date that counts is the origination date printed on your loan agreement — not when you last paid.
The Supreme Court case that came from a Lendgreen loan
In Lac du Flambeau Band v. Coughlin (2023), a borrower who had taken a Lendgreen loan filed for bankruptcy — and the lender kept trying to collect, arguing tribal sovereign immunity meant the Bankruptcy Code's automatic stay did not apply to it. The Supreme Court disagreed, holding that the Code abrogates tribal sovereign immunity.
The result is one of the most useful facts a tribal borrower can know: filing for bankruptcy legally stops a tribal lender from collecting, immunity claims notwithstanding. It is why bankruptcy is a genuine exit from a tribal loan.
The cases
Fitzgerald v. Wildcat (Lac du Flambeau brands)
settlement~$1.4B in loans cancelled + $37.35M fund
The largest tribal-lending settlement to date cancelled roughly $1.4 billion in loan debt across the Lac du Flambeau Band’s ~20 brands (Lendumo, Lendgreen, Makwa, Sky Trail Cash and others) for loans made July 24, 2016 through October 1, 2023, plus a $37.35 million cash fund.
✓ Produced relief for borrowers
Lac du Flambeau Band v. Coughlin
rulingBankruptcy stay binds tribes
The Supreme Court held that the Bankruptcy Code’s automatic stay abrogates tribal sovereign immunity — meaning a tribal lender must stop collection once a borrower files for bankruptcy. It confirms bankruptcy as a real exit from a tribal loan.
✕ No payout borrowers can claim
What happened to Lendgreen balances
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 Lendgreen?
Yes — 2 cases touch Lendgreen, including Fitzgerald v. Wildcat, Lac du Flambeau Band v. Coughlin. 1 of them produced borrower relief.
Do I still owe my Lendgreen loan?
All LDF loans Jul 2016 – Oct 2023 cancelled (~$1.4B portfolio-wide) If your loan falls outside that, or a collector contacts you anyway, demand written validation and proof of ownership before paying anything.
Can I claim money from a Lendgreen settlement?
A claims process existed at consumerloansettlement.com. Check whether it is still open — these sites are decommissioned once distribution completes, and several in this industry are now blank pages.