Est. $1,067 Avg. Check: Hughes Credit Union Repo Settlement

What happened

Class period: May 18, 2019 through August 4, 2023

• Hughes Federal Credit Union (HFCU) repossessed vehicles from borrowers with Arizona addresses
• The lawsuit claims HFCU did not send borrowers proper notice of their rights after repossession, in violation of Arizona law
• HFCU denies breaking any law and denies that borrowers are owed anything
• HFCU agreed to create a $7,000,000 settlement fund, resolve about $25,603,000 in claimed deficiency balances, and ask credit bureaus to delete the related trade lines
• The settlement also resolves the related Norton litigation
• The case is Dametrius Harrison et al. v. Hughes Federal Credit Union, Case No. C20232230, Superior Court of Arizona, Pima County

What you can get

Key dates

Who may qualify

• You financed a vehicle for personal use through Hughes Federal Credit Union, or your finance agreement was later assigned to HFCU
• The vehicle was pledged as collateral under the finance agreement
• HFCU repossessed the vehicle or ordered it repossessed
• You had an Arizona address on the date of repossession
• The repossession happened between May 18, 2019 and August 4, 2023
• If you received the Notice by mail, HFCU's records show you may be a Settlement Class Member

How to file

1. No claim form is needed; if you do not opt out, your payment and credit relief are automatic
2. Check your estimated payment on the Estimated Award Eligibility page of the official website
3. Payments come by check unless you promptly request an electronic method through the Select Payment Method page
4. Keep your address current using the Update Address page; you will need your Notice ID and PIN
5. If you do NOT want your claimed deficiency resolved through the settlement, mail the Election Not to Accept Compromise of Disputed Deficiency Balance form, postmarked by November 20, 2026

Proof required

• No proof is needed to receive a payment or credit reporting relief
• Eligibility is based on HFCU's records
• You need your Notice ID and PIN to update your address online
• Name changes require a copy of your marriage license, divorce decree, or court order

Payment timing

Payments will be sent only after the Court approves the settlement and any appeals are resolved. Payments come by check unless you request an available electronic payment method on the settlement website. HFCU will request credit report deletions within 60 days after the Effective Date.

Important links

• Official website
• Important dates
• FAQs
• Documents

Contact

Extra details

• The $1,067 average is an estimate from the Settlement Agreement using illustrative deductions, about 14.69% of full statutory damages; your amount may differ
• If more than $150,000 remains after the first round of checks, there will be a second distribution; any balance after that goes to Court-approved charitable purposes
• Class Counsel will ask for up to $2,800,000 in attorneys' fees and up to $50,000 in expenses, plus $15,000 service awards for each Class Representative
• Tax forms may be issued for cash payments over $2,000; HFCU will not issue 1099 forms for eliminated deficiencies unless an agreed accounting firm says they are required; talk to a tax advisor
• Deficiency relief does not apply to certain excluded claims, such as when a borrower reinstated the loan and got the vehicle back before auction
• Credit bureaus are separate from HFCU, and the Settlement Agreement limits HFCU's duties if a bureau does not delete a trade line
• To opt out, mail a signed request with your full name, address, phone number, and a statement that you want to be excluded from Harrison v. Hughes Federal Credit Union, Case No. C20232230, postmarked by November 20, 2026
• No one may opt out for another person or a group
• If you opt out, you lose the cash, credit reporting, and deficiency relief
• The Final Approval Hearing is December 7, 2026 at 10:00 a.m. before the Superior Court of Arizona, Pima County
• Class Counsel can be reached at 1-888-668-1225
• Do not contact the Court, HFCU, or HFCU's lawyers with questions
• Watch for scams: use only the official settlement website

FAQ

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