PHH Mortgage allegedly sent mortgage borrowers default notices that violated the federal FDCPA and California/North Carolina debt-collection statutes.
Eligibility
Current and former borrowers on a U.S. mortgage serviced by PHH who received a Notice of Default: FDCPA class (Dec. 18, 2022 - Dec. 15, 2025), California class (same window), North Carolina class (Jan. 14, 2021 - Dec. 15, 2025).
Estimated Payout
varies — pro rata share of a $1,500,000 fund split into three $500,000 pools (FDCPA/California/North Carolina); no claim form needed, payment is automatic by check unless you opt into electronic payment
Claim Deadline
None
Background
The case is Williams v. PHH Mortgage Corporation, brought by named plaintiffs Tonia Williams and Beverly Dantzler in the U.S. District Court for the Western District of North Carolina (No. 3:25-cv-00144-KDB-UMJ). The suit claimed PHH's default notices threatened immediate acceleration and foreclosure even though, under the loan terms, PHH could not actually take that step until a loan was 120 or more days delinquent. PHH denies all the allegations and settled for $1,500,000 without admitting wrongdoing. The court granted final approval of the settlement on June 22, 2026 following a June 9 fairness hearing, and payments to the class are expected no later than October 6, 2026.