What is this Settlement about?
A settlement has been reached in the class action lawsuit pending in the Eastern District of California entitled Munoz, et al. v. PHH Corp., et. al., Case No. 1:08-cv-00759-MMB-BAM (the “Action”). Efrain Munoz, Leona Lovette, Stephanie Melani, John Hoffman, and Daniel Maga, II (collectively “Plaintiffs” or “Class Representatives”) allege that PHH Corp., PHH Mortgage Corp., PHH Home Loans, LCC, and Atrium Insurance Corp. (collectively “Defendants”) violated the law which prohibits the payment of kickbacks in connection with mortgage settlement services. Defendants have denied any wrongdoing. The Court hasn’t decided who is right. Instead, the parties agreed to a settlement to avoid more litigation.
Who is included?
All persons who obtained residential mortgage loans originated and/or acquired by PHH and/or its affiliates from January 1, 2007, through December 31, 2009, and, in connection therewith, purchased private mortgage insurance and whose loans were included within PHH’s captive mortgage reinsurance agreements, including the successors, heirs and/or assigns of such persons.
What does the Settlement provide and how can I get a Settlement Payment?
Defendants have agreed to pay $875 per loan to Settlement Class Members who file a valid Claim Form. Eligible Settlement Class Members must complete and timely submit a valid Claim Form by mail or online through the File a Claim page. If submitting your Claim Form by mail, it must be postmarked by August 11, 2026. If you submit a Claim Form online, you must submit it by August 11, 2026.
Your Legal Rights and Options in this Settlement
These deadlines may be moved, canceled, or otherwise modified, so please check this site regularly for updates.
| Option & Due Date | Status | Event Description |
|---|---|---|
File a Claim August 11, 2026 | Status: Upcoming | Explanation: This is the only way to get money from the Settlement. You may file a claim on the File a Claim page or download a Claim Form from the Important Documents page, complete it, and mail it to the Settlement Administrator. |
Exclude Yourself From The Settlement Class November 10, 2025 | Status: Upcoming | Explanation: You will get no money, but you will keep your rights to sue Defendants about the claims alleged in this case. More details on how to exclude yourself from the Settlement are available on the FAQ page. |
Object to the Settlement November 10, 2025 | Status: Upcoming | Explanation: Write to the Court explaining why you don’t like the Settlement. More details on how to object to the Settlement are available on the FAQ page. |
Go to The Final Approval Hearing | Status: Upcoming | Explanation: Ask to speak in Court about the Settlement. |
Do Nothing | Explanation: You won’t get money from the Settlement and you will give up your rights to sue Defendants about the claims alleged in this case. |
