How to Fill Out and Submit the PHH Settlement Claim Form

To claim your share of the Munoz v. PHH Corp. settlement, submit the PHH settlement claim form online at phhmisettlement.com or by mail to JND Legal Administration by August 11, 2026. A valid claim pays $875 per qualifying loan. You will need your PHH loan number, the property address, and current contact information to complete the form.¹

Whether You Qualify to File

The claim form is only worth submitting if you fall inside the settlement class. Three conditions must all apply:

PHH or one of its affiliates originated or acquired your residential mortgage loan between January 1, 2007 and December 31, 2009.
You purchased private mortgage insurance in connection with that loan.
Your loan was included in one of PHH’s captive mortgage reinsurance agreements with Atrium.

Successors, heirs, and assigns of qualifying borrowers are also class members. Officers, directors, and employees of PHH and its affiliates are excluded, along with anyone who previously opted out during earlier stages of the litigation.²

Most qualifying borrowers received a mailed notice from JND Legal Administration. If you did not receive one but believe you meet the criteria, call the administrator at 1-855-779-8982 or email info@PHHMISettlement.com to confirm your eligibility before filing.¹

What to Gather Before You Start

Having a few items ready will speed the filing and reduce the risk of a deficiency notice later.

Your PHH loan number, which appears on old mortgage statements, closing documents, or any correspondence PHH sent about your loan.
The full street address of the mortgaged property.
Your current mailing address, phone number, and email so the administrator can reach you and send payment.
The mailed settlement notice if you received one. It contains a reference number that speeds up online filing.

The form asks you to identify the category of harm connected to your mortgage. Most claimants will select the option tied to overpaying for mortgage insurance because of the captive reinsurance arrangement. If you no longer have your original closing paperwork, the administrator cross-references claims against PHH’s internal records, so your submission can still be validated.

Filing Online

The settlement website at phhmisettlement.com has a File a Claim tab that links to a secure portal. As of early 2026 the portal is listed as Upcoming. If it is not yet live when you check, bookmark the page and return before the August 11, 2026 deadline.

When the portal opens, complete each field, review your entries on the final certification screen, and save or print the confirmation receipt. That receipt is your proof of timely filing, and it is the fastest way to resolve any later dispute over whether your claim arrived.

Filing by Mail

Download or request a paper claim form from the settlement website’s documents page. Complete every required field, sign the form, and mail it to:

Munoz, et al. v. PHH Corp., et al.
c/o JND Legal Administration
P.O. Box 91304
Seattle, WA 98111¹

The form must be postmarked by August 11, 2026. Send it by certified mail or with a tracking number so you have proof of the postmark date. A claim postmarked even one day late will be rejected, and missing the deadline permanently forfeits your right to collect.

What Happens After You File

The administrator reviews each submission against the master class list built from PHH’s loan records. Matching claims are approved and queued for payment. If information is missing or does not match, you will receive a deficiency notice by mail or email explaining what to correct. Response windows on those notices are short, so check your mail and email regularly after filing.

Payments go out only after the court grants final approval of the settlement and any appeals are resolved. If no one challenges the settlement, checks are mailed or electronic payments are initiated within a few months of final approval. You can check your claim status through the settlement website or by calling 1-855-779-8982.

The $875 per loan is a fixed amount, not a share of a shrinking pool, so the number of other claims filed does not reduce your payment. If you had more than one PHH-serviced loan in the class period that was covered by the captive reinsurance arrangements, each loan is treated separately.¹

Filing for a Deceased Borrower

Heirs and estate representatives can file on behalf of a borrower who has passed away, because the class definition includes successors, heirs, and assigns.²

The person filing should be the executor named in the borrower’s will or the administrator appointed by a probate court if there was no will. You will likely need to provide Letters of Office or Letters Testamentary, the court document proving your authority over the estate. If the estate has already been closed, contact the administrator at 1-855-779-8982 or info@PHHMISettlement.com to ask what alternative documentation is accepted, since requirements vary case by case.

What You Give Up by Filing

Submitting the claim form, or simply staying in the class without opting out, releases PHH and its affiliates from all claims arising out of the captive reinsurance arrangements described in the lawsuit. You cannot later bring your own individual case against PHH over the same mortgage insurance overcharges. The release covers claims you actually raised and claims you could have raised based on the same conduct.²

If you believe your individual damages significantly exceed $875, talk to an attorney about opting out before the exclusion deadline passes rather than filing a claim.

Not the Williams v. PHH Mortgage Case

A separate class action, Williams v. PHH Mortgage Corporation, addresses allegedly misleading Notices of Default and is unrelated to the mortgage insurance kickback claims here. The Williams settlement does not use a claim form. Class members receive payment automatically by check, with the option to elect electronic payment through that case’s own settlement website.³ If your issue with PHH involves default notices rather than a 2007 to 2009 mortgage with captive reinsurance, you are looking at the wrong settlement.

1
Munoz, et al. v. PHH Corp., et al. Munoz v. PHH Corp. Settlement – Frequently Asked Questions
2
Classaction.org. Munoz v. PHH Corp. Settlement Notice
3
Williams et al. v. PHH Mortgage Corporation. Williams et al v PHH Mortgage Corporation Settlement