No Proof Required

$1.5M PHH Mortgage Corp. misleading default notices class action settlement

Varies
Max Payout
May 05, 2026
Filing Deadline
No
Proof Required?

PHH Mortgage Corporation has agreed to pay $1.5 million to settle a class action lawsuit alleging the mortgage servicer sent misleading default notices to borrowers. The lawsuit claims these notices violated the Fair Debt Collection Practices Act (FDCPA) and state consumer protection laws.

The case, Williams, et al. v. PHH Mortgage Corporation, et al. (Case No. 3:25-cv-00144-KDB-UMJ), was filed in the U.S. District Court for the Western District of North Carolina. If you received a notice of default from PHH Mortgage on your residential mortgage loan, you may be eligible for automatic compensation.

Who Is Eligible?

You may be eligible to file a claim if you:

  • FDCPA Class (Nationwide): Borrowers with residential mortgage loans serviced by PHH who received one or more notices of default between December 18, 2022, and December 15, 2025
  • California Class: Same criteria as FDCPA class but limited to California properties
  • North Carolina Class: Borrowers who received default notices between January 14, 2021, and December 15, 2025 for North Carolina properties

How Much Can You Get?

Compensation amounts vary based on the number of loans and each loan's delinquency status when PHH began servicing it. Borrowers with multiple loans may receive multiple payments. The exact per-person amount will depend on the total number of eligible class members.

How to File Your Claim

Filing your claim is quick and easy:

  • No claim form submission is needed — eligible members automatically receive benefits unless they exclude themselves
  • Visit the settlement portal at williamsphhsettlement.digitaldisbursements.com for details
  • For questions, call 844-329-3048
  • The deadline to object or exclude yourself is May 5, 2026

💡 Easier way: File with Class Action Buddy

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Frequently Asked Questions

Do I need to file a claim for the PHH Mortgage settlement?

No, this settlement does not require a claim form. If you qualify, you should receive payment automatically once the settlement is finalized.

How much will I get from the PHH Mortgage default notice settlement?

The individual payout amounts haven't been announced yet. The $1.5 million total will be divided among eligible class members based on the final settlement terms.

What kind of default notices from PHH Mortgage qualify for this settlement?

The settlement covers allegedly misleading default notices sent by PHH Mortgage Corp. to borrowers. Specific details about which notices qualify are still being finalized as part of the settlement process.

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