PHH Mortgage Class Action Settlement 2026: Automatic Payments for Eligible Borrowers!
Borrowers who received a PHH Mortgage Notice of Default may qualify for automatic payments from a $1.5 million class action settlement. Most eligible borrowers do not need to file a claim, but they may want to update their address so the check does not start its own side quest.
What happened
Class period: FDCPA Class: December 18, 2022 through December 15, 2025 California Class: December 18, 2022 through December 15, 2025 North Carolina Class: January 14, 2021 through December 15, 2025
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A class action lawsuit claims PHH Mortgage sent Notices of Default with misleading foreclosure language.
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Plaintiffs say the notices suggested PHH could accelerate or foreclose sooner than the law allowed.
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PHH denies wrongdoing, but agreed to settle the case.
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The settlement creates three funds totaling $1.5 million for eligible borrowers.
What you can get
Automatic payment
Varies
Amount depends on the settlement fund and number of eligible loans
Key dates
| Action | Date | What it means |
|---|---|---|
| Opt out | May 5, 2026 | Keep your right to sue separately |
| Object | May 5, 2026 | Tell the court you disagree |
| Final hearing | June 9, 2026 | Judge decides whether to approve |
Who may qualify
- Received a PHH Mortgage Notice of Default
- Had a residential mortgage loan serviced by PHH
- Received the notice during the class period
- May be part of the nationwide, California, or North Carolina settlement class
How to file
- Most eligible borrowers do not need to file a claim.
- Check the official settlement website for updates.
- Update your mailing address if it has changed.
- You may request electronic payment through the settlement website.
Proof required
- No proof is required for most people because eligibility is based on PHH’s records.
Payment timing
Payments are expected after final approval if the settlement becomes final. Eligible borrowers will usually receive payment automatically by check, or may request electronic payment.
Important links
Contact
Extra details
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This is an automatic payment settlement for most eligible borrowers.
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If your address changed, update it through the official site so your payment goes to the right place.
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Checks expire after 180 days, so this is not the time to ignore your mail.
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If funds go unclaimed, they may be treated as unclaimed funds under the settlement terms.
FAQ
Do I need to file a claim for the PHH Mortgage settlement?
Who qualifies for the PHH Mortgage class action settlement?
How much is the PHH Mortgage settlement payment?
What should I do if I moved?
Info only. Verify details on the official site. Not legal, financial, or tax advice. Legal
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