One case produced real relief for Lendumo 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 Lendumo loan?
- Fitzgerald v. Wildcat covers Lendumo 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.
Lendumo dates to 2020 and is still lending. The date that counts is the origination date printed on your loan agreement — not when you last paid.
Lawsuits and the $1.4B settlement
The Fitzgerald v. Wildcat class settlement covers LDF-brand loans (including Lendumo/Niswi) made between July 24, 2016 and October 1, 2023: roughly $1.4 billion in loan debt cancelled plus a $37.35 million cash fund, administered at consumerloansettlement.com.
Newer suits continue: Gonzalez v. Niswi, LLC d/b/a LendUMo (N.D. Ill., filed January 2024) alleges APRs over 450% are void under the Illinois Interest Act and names non-tribal operators; Taylor v. Niswi (S.D. Ind., 2025) is also pending. Minnesota's attorney general settled with LDF in December 2024, ending its lending in that state.
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
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 Lendumo?
Yes — Fitzgerald v. Wildcat (Lac du Flambeau brands) (W.D. Va. — final approval Dec 2024). Outcome: ~$1.4B in loans cancelled + $37.35M fund. It did produce relief for borrowers.
Do I still owe my Lendumo loan?
Possibly not — Fitzgerald v. Wildcat produced relief covering Lendumo. 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 Lendumo 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.