John M. Floyd & Associates, Inc. v. TAPCO Credit Union

# Court Ruling Summary: John M. Floyd & Associates v. TAPCO Credit Union **What Happened** John M. Floyd & Associates (JMFA) provided overdraft protection services to TAPCO Credit Union under a contract. When the contract ended on December 31, 2007, JMFA claimed that TAPCO continued using their services without paying for them. JMFA sued for breach of contract and unjust enrichment—basically arguing they deserved compensation for work performed after the contract ended. **What the Court Decided** The appeals court sided with TAPCO Credit Union. The court ruled that JMFA failed to prove TAPCO actually kept using their services after the contract ended. Without solid evidence of continued use, the court couldn't hold TAPCO responsible for payment. **Why This Matters for Workers** This case shows that companies must have clear documentation to prove they're owed money for services. If you're working under a contract, keep detailed records of what work you performed and when. Simply claiming someone used your services isn't enough—you need concrete evidence. Having proper documentation protects you if payment disputes arise later.