Welcome to the Cabral et. al. v. PHH Mortgage Corporation and Ocwen Loan Servicing LLC Settlement Website


A Settlement Agreement has been reached in a class action lawsuit alleging PHH Mortgage Corporation and Ocwen Loan Servicing, LLC (the “PHH Defendants”) violated the law by placing in excess of two telephone calls in a seven-day period to Massachusetts consumers to collect a debt. 

A Settlement Fund of $576,500 has been established to pay Class Members, attorneys’ fees, costs, any incentive award to each of the Class Representatives (Thomas Cabral and Cheryl Pantano) and settlement administration costs. If the settlement is approved, Settlement Class Members shall qualify for direct payments from the Settlement Fund. Your legal rights are affected whether you act or don’t act, so read this Notice carefully.

The Fairness Hearing is scheduled for December 14, 2021 at 10:00 a.m. by videoconference.  In order to gain access to the hearing, you must sign up and follow the directions here.


Option 1: Do Nothing

Do nothing and recover from the Settlement Fund.
If the Settlement Agreement is approved by the Court, Settlement Class Members will receive direct equal payments from the Settlement Fund. Settlement Class Members do not need to submit any claim to recover.

Option 2: Ask to be Excluded
Deadline: November 10, 2021

Get out of this lawsuit and get no benefits from it.

You may ask to be excluded from the lawsuit.  By excluding yourself, you cannot recover as part of this settlement and you keep a right to sue on your own. 

Option 3: Object
Deadline: November 10, 2021


Object to the terms of the Settlement Agreement.
You may object to the terms of the Settlement Agreement and have your objections heard at the December 14, 2021, Fairness Hearing. If you object to the Settlement Agreement, you do remain part of the Settlement Class.