PHH Mortgage $1.5M Debt Collection Class Action Settlement
Borrowers whose residential mortgage loans were serviced by PHH and received Notices of Default in three classes: FDCPA Class (Dec 18, 2022–Dec 15, 2025), California Class (same dates), and North Carolina Class (Jan 14, 2021–Dec 15, 2025).
Pro rata share from three $500,000 pools ($1.5M total); paid via check, PayPal, Venmo, Zelle, ACH, or virtual Mastercard approximately 105 days after final approval.
⏳ Claim deadline not listed here yet — confirm the official filing deadline on the settlement site before relying on it.
📄 Proof requirement not specified here — check the official site for what documentation, if any, a claim needs.
You'll go to: williamsphhsettlement.digitaldisbursements.com
Pending final court approval: you can file a claim now, but payments begin only after the court grants final approval (and any appeals conclude). Final approval is not guaranteed.
Who may qualify
Borrowers whose residential mortgage loans were serviced by PHH and received Notices of Default in three classes: FDCPA Class (Dec 18, 2022–Dec 15, 2025), California Class (same dates), and North Carolina Class (Jan 14, 2021–Dec 15, 2025).
This summary is based on available official settlement sources. The settlement administrator determines eligibility and payment approval.
New to the terms? Plain-English: claim deadline, proof of purchase, administrator, pro rata.
Important dates
- Exclusion deadline
- May 5, 2026 (passed)
- Objection deadline
- May 5, 2026 (passed)
Proof requirements
Proof requirement is currently marked as Unknown.
Review the official claim form before submitting any information.
How to file this claim
- Confirm you are in one of the three eligible groups: FDCPA Class, California Class, or North Carolina Class, based on when PHH serviced your mortgage and when you received a Notice of Default.
- Visit the electronic payment portal at williamsphhsettlement.digitaldisbursements.com and submit a payment request to choose your preferred payout method (PayPal, Venmo, Zelle, ACH, or virtual Mastercard).
- If your mailing address has changed since January 14, 2021, submit an address update request online at williamsphhsettlement.com or by mail or email to the settlement administrator before payments are issued.
- If you do not submit a payment request, a paper check will be mailed to the address on file jointly payable to all borrowers on the loan.
- Contact the settlement administrator with any questions: PHH Settlement Administrator, PO Box 1468, Baton Rouge, LA 70821; email info@WilliamsPHHSettlement.com; phone 1-844-329-3048.
What the form asks
- — Choose one of: PayPal, Venmo, Zelle, ACH, or virtual Mastercard — or take no action to receive a paper check (Your preferred payment account details (email, phone number, or bank account depending on the method chosen))
- — Your current mailing address if it has changed since January 14, 2021 (Your current home address)
Watch out for
- If you share the mortgage loan with a co-borrower, the default paper check is made payable jointly to all borrowers — coordinate with co-borrowers before choosing a payment method.
- If your address has changed since January 14, 2021, failing to update it means a check could be sent to the wrong address.
- No proof of receiving a Notice of Default appears to be required, but you must genuinely qualify under one of the three class definitions — check your mortgage servicer history and the Notice of Default dates carefully.
- Exclusion and objection deadlines have already passed; your only current option is to submit a payment request or update your address.
We prepare — you file on the official site yourself. This is not legal advice and is not an eligibility decision; the administrator and court decide.
How do I file a claim for this settlement?
File directly with EisnerAmper via the official claim form.
- Confirm you are within the eligible group described in the official notice — the settlement administrator determines eligibility.
- Gather any documents the official form asks for — this settlement marks proof as Unknown.
- Open the official claim form or settlement website run by EisnerAmper.
- Submit accurate information through the official settlement administrator or government source.
- Save your confirmation number if one is provided, then watch the payment status for distribution updates.
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How we verified this record
- Payout details the official settlement website · Jun 19, 2026
- Eligibility the official settlement website · Jun 19, 2026
- Proof requirement the official settlement website · Jun 19, 2026
- Administrator the official settlement website · Jun 19, 2026
- Official claim link the official settlement website · Jun 19, 2026
- Court case the official settlement website · Jun 19, 2026
- Payment status the official settlement website · Jun 19, 2026
- Claim deadline queued for re-check
Every published record clears our source-verification bar; remaining fields are checked one by one on our weekly re-verification pass.
Checked fields are matched against a named official source and re-checked on a schedule. We show the authority and the date, never our internal evidence link.
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Eligibility summary
Borrowers whose residential mortgage loans were serviced by PHH and received Notices of Default in three classes: FDCPA Class (Dec 18, 2022–Dec 15, 2025), California Class (same dates), and North Carolina Class (Jan 14, 2021–Dec 15, 2025).
Verified Jun 19, 2026 · against the official settlement website
The FDCPA Class includes borrowers whose residential mortgage loans were serviced by PHH, acquired when loans were at least 30 days delinquent, and received Notices of Default between December 18, 2022 and December 15, 2025.
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Proof requirement
Unknown
Verified Jun 19, 2026 · against the official settlement website
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Payment status
Final approval pending
Verified Jun 19, 2026 · against the official settlement website
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Estimated payout
Pro rata share from three $500,000 pools ($1.5M total); paid via check, PayPal, Venmo, Zelle, ACH, or virtual Mastercard approximately 105 days after final approval.
Verified Jun 19, 2026 · against the official settlement website
The $1.5 million fund divides equally into three $500,000 pools. Eligible members receive pro rata cash payments via check, PayPal, Venmo, Zelle, ACH, or virtual Mastercard.
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Administrator
EisnerAmper
Verified Jun 19, 2026 · against the official settlement website
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Court
United States District Court for the Western District of North Carolina
Verified Jun 19, 2026 · against the official settlement website
Show all 7 more verified fields
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Official claim URL
williamsphhsettlement.digitaldisbursements.com
Verified Jun 19, 2026 · against the official settlement website
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Objection deadline
May 5, 2026
Verified Jun 19, 2026 · against the official settlement website
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Opt-out deadline
May 5, 2026
Verified Jun 19, 2026 · against the official settlement website
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Class period start
January 14, 2021
Verified Jun 19, 2026 · against the official settlement website
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Class period end
December 15, 2025
Verified Jun 19, 2026 · against the official settlement website
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Court case number
3:25-cv-00144-KDB-UMJ
Verified Jun 19, 2026 · against the official settlement website
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Case name
Williams et al. v. PHH Mortgage Corporation
Verified Jun 19, 2026 · against the official settlement website
Common questions
Is the PHH Mortgage $1.5M Debt Collection Class Action settlement legitimate?
Yes — the PHH Mortgage $1.5M Debt Collection Class Action settlement is a real claims process that SettleSignal tracks from its official source. It is administered by EisnerAmper under case 3:25-cv-00144-KDB-UMJ in United States District Court for the Western District of North Carolina. File only through the official settlement website (www.williamsphhsettlement.com); a genuine settlement administrator never charges a fee to file. SettleSignal last checked this record against the official source on June 19, 2026. Always confirm the current details on the official site before filing.
Who may qualify for this settlement?
Borrowers whose residential mortgage loans were serviced by PHH and received Notices of Default in three classes: FDCPA Class (Dec 18, 2022–Dec 15, 2025), California Class (same dates), and North Carolina Class (Jan 14, 2021–Dec 15, 2025).
Do I need proof to claim?
Proof requirement: Unknown. The settlement administrator determines what documentation, if any, is required.
What is the current payment status?
Current payment status: Final approval pending. Payments are issued by the administrator after the court process concludes.
When will PHH Mortgage $1.5M Debt Collection Class Action Settlement pay out?
Current payment status: Final approval pending. Class-action payouts typically begin only after final approval and any appeals. See our payout timeline guide.
Where is the official PHH Mortgage $1.5M Debt Collection Class Action Settlement claim form?
The official claim form is hosted by the settlement administrator, EisnerAmper. Use the 'Open official claim form' button on this page — never pay a fee to file.
Where to act
When you are ready, you open the official claim form yourself. SettleSignal does not file claims or determine eligibility.
Use the official settlement administrator or government source.
Listed on the official settlement website (EisnerAmper).
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Disclaimer
This service summarizes publicly available settlement information and links to official settlement sources. We are not a law firm, do not provide legal advice, do not submit claims on your behalf, and do not determine eligibility or payout approval. Only file a claim if the information you provide is accurate.
Change log
- June 19, 2026 — Settlement published after verification.
- June 19, 2026 — Verified field details updated from an official source.