One case produced real relief for UnitedCashLoans 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 are the part that decides whether it reaches you.
The cases
FTC / U.S. v. AMG Services (Scott Tucker)
enforcement$505M in refunds; Tucker imprisoned
Scott Tucker’s pseudo-tribal payday empire (500FastCash, Ameriloan, OneClickCash, UnitedCashLoans and more, fronted through the Miami, Modoc and Santee Sioux tribes) collapsed. The FTC mailed $505 million in refunds to 1.18 million borrowers, and Tucker was convicted of RICO and sentenced to more than 16 years.
✓ Produced relief for borrowers
What happened to UnitedCashLoans 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 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 UnitedCashLoans?
Yes — FTC / U.S. v. AMG Services (Scott Tucker) (D. Nev. + S.D.N.Y. (criminal)). Outcome: $505M in refunds; Tucker imprisoned. It did produce relief for borrowers.
Do I still owe my UnitedCashLoans loan?
$285M waived (with Ameriloan and USFastCash) 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 UnitedCashLoans settlement?
Distributed and now closed. Part of the $505M (2018) and $152M (2022) FTC/DOJ refunds — automatic, no claim needed. Final deadline passed 17 August 2022.