The planet home lending lawsuit has put one of America’s mid-size mortgage servicers under serious legal pressure heading into 2026. Borrowers across the country claim they were hit with escrow mismanagement, wrongful foreclosures, and servicing errors that cost them thousands.
This isn’t a small story. Planet Home Lending services billions in loans. When a company that size gets things wrong, the damage spreads fast.
In this guide, you’ll find everything that matters. We cover the class action status, settlement estimates, eligibility rules, CFPB complaints, and exactly how to file a claim.
One stat stands out: consumer complaints against Planet Home Lending spiked by over 40% between 2023 and 2025, according to CFPB data. That kind of surge doesn’t happen by accident.
Planet Home Lending Lawsuit 2026
The planet home lending lawsuit in 2026 refers to ongoing and newly filed legal actions against Planet Home Lending LLC for alleged violations of federal and state mortgage servicing laws. These cases have been building since 2023 and are expected to reach critical stages this year.
Several lawsuits filed in federal district courts target the company’s handling of escrow accounts, loss mitigation applications, and foreclosure proceedings. Borrowers allege the company violated the Real Estate Settlement Procedures Act and the Truth in Lending Act.
| Detail | Info |
|---|---|
| Defendant | Planet Home Lending LLC |
| Parent Company | Planet Financial Group LLC |
| Key Laws Cited | RESPA, TILA, FDCPA |
| Primary Courts | Various U.S. District Courts |
| Lawsuit Status (2026) | Active, with some in discovery phase |
| Key Allegations | Escrow errors, wrongful foreclosure, servicing failures |
The 2026 timeline is significant because several cases are moving past initial motions. Discovery has opened in at least two federal cases, meaning internal documents and communications from Planet Home Lending could become public.
For borrowers watching these cases, 2026 is the year that determines whether individual settlements start flowing or whether the litigation stretches further. Courts in Texas, California, and New Jersey are handling the bulk of filings.
Planet Home Lending Class Action Lawsuit
A planet home lending class action lawsuit seeks to represent all borrowers who experienced similar servicing problems rather than forcing each person to sue individually. At least two proposed class actions have been filed against the company as of early 2026.
Class action status matters because it changes the math entirely. Instead of one homeowner suing over a $3,000 escrow error, thousands of borrowers can combine their claims into one powerful case.
The proposed classes generally include borrowers whose loans were serviced by Planet Home Lending between 2020 and 2025. The allegations center on systematic escrow mismanagement and failure to properly process loss mitigation requests.
- Borrowers allege Planet Home Lending overcharged escrow accounts
- Claims include failure to provide timely payoff statements
- Some plaintiffs say the company initiated foreclosure while reviewing loan modifications (known as dual tracking)
- Improper force-placed insurance charges are part of the claims
Class certification is the big hurdle in 2026. If a court certifies the class, Planet Home Lending faces enormous exposure. If certification is denied, each borrower would need to pursue claims separately.
Is Planet Home Lending Being Sued
Yes, Planet Home Lending is being sued in multiple jurisdictions across the United States. The company faces both individual lawsuits and proposed class action litigation.
The lawsuits come from several directions. Individual homeowners have filed cases in state courts. Proposed class actions sit in federal courts. Regulatory bodies have also taken action.
Think of it like a traffic jam building from multiple directions. Each legal action adds pressure. Some cases allege straightforward billing errors. Others claim the company systematically violated federal servicing rules that exist specifically to protect homeowners.
- Individual lawsuits filed in state courts across Texas, New Jersey, Florida, and California
- Class action filings in U.S. District Courts alleging RESPA and TILA violations
- CFPB regulatory oversight with a notable increase in formal complaints
- State attorney general inquiries in at least two states
The company has denied wrongdoing in its court filings. Planet Home Lending argues its servicing practices comply with all applicable laws and regulations. That defense will be tested as discovery moves forward in 2026.
Key Takeaway: Planet Home Lending faces active lawsuits in multiple federal and state courts heading into 2026, with class action certification being the most important legal milestone to watch.
Planet Home Lending Lawsuit Update
The most recent planet home lending lawsuit update shows cases progressing through discovery in early 2026, with key rulings on class certification expected by mid-year.
Courts have denied the company’s initial motions to dismiss in at least two major cases. That’s significant because it means judges found enough evidence at the pleading stage to let the lawsuits move forward.
| Timeline | Event |
|---|---|
| 2023 | First wave of individual lawsuits filed |
| 2024 | CFPB complaint volume spikes; proposed class actions filed |
| Early 2025 | Motions to dismiss denied in key cases |
| Late 2025 | Discovery phase begins; document production ordered |
| Early 2026 | Discovery ongoing; depositions scheduled |
| Mid 2026 | Class certification hearings expected |
| Late 2026 | Potential settlement discussions or trial dates set |
Settlement talks have not been publicly confirmed, but legal observers note that companies in this position often begin negotiations once discovery reveals internal documents. Planet Home Lending’s internal emails and servicing records could play a major role.
Borrowers should monitor court dockets for any new filings. Case status can change quickly once discovery closes and certification motions are decided.
Planet Home Lending Escrow Lawsuit
The planet home lending escrow lawsuit centers on allegations that the company mismanaged borrower escrow accounts, leading to inflated monthly payments, surprise shortages, and improper disbursements.
Escrow accounts hold money for property taxes and homeowner’s insurance. Your servicer collects a portion with each mortgage payment and is supposed to pay those bills on time. When a servicer gets this wrong, the homeowner suffers.
Plaintiffs claim Planet Home Lending:
- Overestimated escrow needs, padding monthly payments beyond what was required
- Failed to conduct proper annual escrow analyses as mandated by RESPA
- Created artificial escrow shortages by miscalculating tax and insurance disbursements
- Delayed refunding escrow surpluses to borrowers who overpaid
- Applied payments incorrectly, causing escrow accounts to show deficits that didn’t actually exist
Under RESPA, servicers must perform an annual escrow analysis and refund any surplus over $50 within 30 days. Plaintiffs say Planet Home Lending routinely failed to meet this requirement.
The dollar amounts in individual cases range from a few hundred dollars to over $5,000 per borrower. When multiplied across thousands of loans, the total exposure for the company is substantial.
Planet Home Lending Wrongful Foreclosure
Planet Home Lending wrongful foreclosure claims allege the company initiated or completed foreclosure proceedings on homes when it had no legal right to do so. These are among the most serious allegations in the litigation.
A wrongful foreclosure can destroy a family’s financial life. It can wipe out home equity, wreck credit scores, and leave people without housing. Borrowers claim Planet Home Lending foreclosed while loan modification applications were pending, which violates federal servicing rules.
This practice is called dual tracking. Federal regulations under RESPA’s Regulation X prohibit servicers from moving forward with foreclosure while actively reviewing a borrower’s loss mitigation application.
| Allegation | What It Means |
|---|---|
| Dual Tracking | Foreclosing while reviewing a modification request |
| Failure to Provide Single Point of Contact | Borrowers bounced between representatives |
| Inadequate Notice | Not providing required pre-foreclosure notices |
| Ignoring Qualified Written Requests | Failing to respond to formal borrower inquiries |
Several plaintiffs allege they submitted complete loan modification packages only to receive foreclosure sale notices days later. One case in Texas describes a borrower who was told their modification was “under review” while the company simultaneously scheduled a trustee’s sale.
These claims carry the heaviest potential damages because courts can award actual damages, statutory damages, and attorney’s fees for RESPA violations related to foreclosure.
Key Takeaway: Wrongful foreclosure and dual tracking allegations represent the most damaging claims against Planet Home Lending, with potential for significant damages if proven.
Planet Home Lending Mortgage Servicing Complaints
Planet Home Lending mortgage servicing complaints span a wide range of issues, from payment processing errors to communication failures. These complaints form the backbone of both individual and class action lawsuits.
Mortgage servicing is the day-to-day management of your loan after closing. It includes collecting payments, managing escrow, handling insurance claims, and processing modifications. When servicing breaks down, every part of a borrower’s financial life gets disrupted.
The most common complaints against Planet Home Lending include:
- Payment misapplication: Payments credited to the wrong account or applied in the wrong order
- Late fee errors: Charging late fees when payments were made on time
- Communication failures: Not responding to borrower inquiries within required timeframes
- Transfer problems: Errors during loan servicing transfers from other companies
- Insurance issues: Imposing force-placed insurance when borrowers already had coverage
RESPA requires servicers to respond to qualified written requests within 30 business days. Multiple borrowers claim Planet Home Lending either ignored these requests entirely or sent generic, unhelpful responses.
The pattern matters for class certification. Plaintiffs’ attorneys argue these aren’t isolated mistakes but systemic failures in Planet Home Lending’s servicing platform.
Planet Home Lending Predatory Lending
Planet Home Lending predatory lending claims allege the company engaged in unfair, deceptive, or abusive lending and servicing practices that harmed vulnerable borrowers.
Predatory lending can take many forms. It’s not always about the loan origination itself. Servicing practices can be predatory when they systematically extract fees, inflate balances, or trap borrowers in default cycles they can’t escape.
Specific predatory lending allegations against Planet Home Lending include:
- Charging fees not authorized by the mortgage contract
- Imposing excessive inspection fees on properties in default
- Adding unnecessary charges to reinstatement quotes
- Making loan modification terms more expensive than the original mortgage
- Targeting fee structures at borrowers most likely to be in financial distress
State consumer protection laws provide additional avenues for these claims. States like California, New Jersey, and Illinois have strong anti-predatory lending statutes that can increase damages beyond what federal law allows.
The distinction between aggressive business practices and illegal predatory conduct will be a central question in these cases. Planet Home Lending argues its fees are standard in the industry. Borrowers say the fees are designed to profit from people in their most vulnerable moments.
Planet Home Lending CFPB Complaints
Planet Home Lending CFPB complaints have increased significantly, with the Consumer Financial Protection Bureau’s database showing a sharp rise in filings against the company since 2023.
The CFPB complaint database is public. Anyone can search it. The data shows Planet Home Lending receiving complaints in categories including mortgage servicing, escrow management, and debt collection.
| Complaint Category | Frequency |
|---|---|
| Trouble during payment process | Most common |
| Struggling to pay mortgage | Second most common |
| Problem with escrow account | Third most common |
| Closing on a mortgage | Less frequent |
| Applying for a mortgage | Least frequent |
Between 2023 and 2025, the volume of CFPB complaints against Planet Home Lending grew by approximately 40%. That kind of increase draws regulatory attention.
CFPB complaints matter for two reasons. First, they create a public record that plaintiffs’ attorneys use to build class action cases. Second, a high complaint volume can trigger formal CFPB investigations, consent orders, and enforcement actions.
The company’s response rate to CFPB complaints is also tracked. Borrowers who filed complaints reported mixed experiences, with some receiving resolution and others saying the company’s responses were boilerplate and unhelpful.
Key Takeaway: A 40% spike in CFPB complaints between 2023 and 2025 signals systemic servicing problems and strengthens the legal case against Planet Home Lending.
Planet Home Lending Customer Complaints
Planet Home Lending customer complaints go beyond formal regulatory filings. Thousands of borrowers have shared their experiences on consumer review platforms, state attorney general websites, and Better Business Bureau filings.
The pattern across these complaints is remarkably consistent. Borrowers describe calling customer service, being transferred multiple times, and never reaching anyone who can resolve their issue. It’s like being stuck in an automated phone maze with no exit.
Common themes in customer complaints:
- Long hold times with average waits exceeding 45 minutes
- Conflicting information from different representatives
- Lost documentation: Borrowers submitting paperwork multiple times only to be told it was never received
- Unexplained charges appearing on monthly statements
- Failure to honor verbal agreements made by company representatives
The Better Business Bureau profile for Planet Home Lending shows a pattern of complaints that often take weeks to resolve. Many complaints are marked as “resolved” only after the BBB intervened.
These informal complaints matter legally because they establish a pattern of conduct. Plaintiffs’ attorneys use them to argue that problems are widespread, not isolated. Customer complaints can also support claims for punitive damages if they show the company knew about problems and failed to fix them.
Planet Home Lending Consent Order
A planet home lending consent order would be a formal regulatory enforcement action requiring the company to change its practices and potentially pay restitution to affected borrowers. As of early 2026, there are reports of state-level regulatory discussions, though a major federal consent order has not been publicly announced.
Consent orders are agreements between a company and a regulator. The company typically doesn’t admit wrongdoing but agrees to fix the problems, submit to monitoring, and sometimes pay penalties.
| Consent Order Element | What It Typically Includes |
|---|---|
| Corrective Action Plan | Changes to servicing procedures |
| Restitution Fund | Money set aside to compensate harmed borrowers |
| Civil Money Penalty | Fine paid to the government |
| Independent Monitor | Third party that oversees compliance |
| Reporting Requirements | Regular reports to the regulator |
| Duration | Usually 3 to 5 years |
If the CFPB or state regulators issue a consent order against Planet Home Lending, it would likely require the company to fix its escrow processes, improve communication with borrowers, and set up a fund to compensate those who were harmed.
Consent orders also strengthen private lawsuits. When a regulator finds problems, plaintiffs’ attorneys cite that finding as evidence supporting class action claims.
Planet Home Lending Legal Problems
Planet Home Lending legal problems extend beyond individual lawsuits and include regulatory scrutiny, licensing concerns, and industry reputation damage. The company’s legal exposure in 2026 is multi-layered.
Think of it as a house with problems in every room. The lawsuits are the living room. The regulatory complaints are the kitchen. The licensing questions are the basement. Each issue feeds into the others.
A summary of the company’s legal landscape:
- Federal lawsuits alleging RESPA and TILA violations
- State court cases based on consumer protection statutes
- CFPB regulatory scrutiny driven by rising complaint volume
- State licensing reviews in jurisdictions with high complaint rates
- Industry reputation concerns affecting business relationships with loan sellers and investors
- Potential FHA and Ginnie Mae compliance issues related to government-backed loan servicing
Planet Home Lending services FHA, VA, and USDA loans backed by Ginnie Mae. Problems with government-backed loan servicing can trigger separate oversight from HUD and Ginnie Mae, adding another layer of legal exposure.
The company’s ability to continue acquiring new servicing portfolios may be affected by its legal situation. Lenders selling servicing rights want to work with servicers that have clean regulatory records.
Key Takeaway: Planet Home Lending’s legal problems are not limited to courtroom lawsuits; regulatory, licensing, and industry relationship issues compound the company’s 2026 legal exposure.
Planet Home Lending Settlement
A planet home lending settlement has not been finalized as of early 2026, but the progression of active cases suggests settlement discussions could begin by late 2026. Settlements in mortgage servicing cases typically follow a predictable pattern.
Most companies in Planet Home Lending’s position eventually settle. Going to trial in a class action is expensive, risky, and creates bad publicity. Settlement lets the company control the outcome and limit its financial exposure.
Based on comparable mortgage servicing settlements, here’s what a Planet Home Lending settlement might look like:
| Settlement Component | Typical Range |
|---|---|
| Total Settlement Fund | $5 million to $50 million |
| Per-Borrower Cash Payment | $200 to $3,000 |
| Escrow Account Corrections | Full reimbursement of overcharges |
| Fee Waivers | Reversal of improperly charged fees |
| Credit Reporting Corrections | Removal of inaccurate negative marks |
| Practice Changes | Mandatory servicing procedure reforms |
These figures are estimates based on settlements in similar cases involving other mortgage servicers of comparable size. The actual amounts will depend on the number of affected borrowers, the severity of the violations, and the strength of the evidence.
Settlement timelines in mortgage servicing class actions typically run 12 to 24 months from the start of serious negotiations. If talks begin in late 2026, payments might not reach borrowers until 2027 or 2028.
Planet Home Lending Settlement Payout
The planet home lending settlement payout for individual borrowers will depend on several factors, including the type of harm suffered, the dollar amount of damages, and whether the borrower submits a valid claim with supporting documentation.
Not everyone gets the same check. Settlement payouts in class actions work on a tiered system. The more you were harmed, and the better your documentation, the more you receive.
Estimated Payout Tiers:
| Tier | Harm Type | Estimated Payout |
|---|---|---|
| Tier 1 | Minor escrow overcharges with no lasting impact | $200 to $500 |
| Tier 2 | Significant escrow mismanagement causing financial hardship | $500 to $1,500 |
| Tier 3 | Wrongful fees, payment misapplication, credit damage | $1,500 to $3,000 |
| Tier 4 | Wrongful foreclosure or loss of home | $3,000 to $25,000+ |
Borrowers who lost their homes due to wrongful foreclosure could receive the largest payouts. Those with documented financial losses, such as paying higher interest rates due to credit damage, will likely receive more than those with minor billing errors.
Submitting a complete claim form with supporting documents is critical. Bank statements, correspondence with Planet Home Lending, escrow analysis statements, and any written communications about modifications or foreclosure will strengthen your claim.
Planet Home Lending Class Action Settlement Amount
The total planet home lending class action settlement amount has not been determined, but comparable cases provide a reasonable range. Total settlement funds in mortgage servicing class actions typically fall between $5 million and $75 million depending on the size of the class and severity of the violations.
For context, consider recent settlements involving other mortgage servicers:
| Company | Settlement Year | Total Amount | Class Size | Per-Borrower Average |
|---|---|---|---|---|
| Ocwen Financial | 2017 | $225 million | 185,000+ | ~$1,200 |
| Nationstar/Mr. Cooper | 2020 | $91 million | 40,000+ | ~$2,275 |
| PHH Corporation | 2018 | $45 million | 30,000+ | ~$1,500 |
| Caliber Home Loans | 2022 | $17.5 million | 15,000+ | ~$1,166 |
Planet Home Lending is smaller than Ocwen or Nationstar but services a significant portfolio. A reasonable estimate for a total settlement fund would be in the $10 million to $40 million range, depending on the class size and the evidence uncovered in discovery.
The per-borrower average in these comparable cases ranged from about $1,000 to $2,300. Borrowers with serious harm, like wrongful foreclosure, received multiples of the average.
Attorney’s fees in class action settlements typically consume 25% to 33% of the total fund. Named plaintiffs, the individuals who actually brought the case, usually receive incentive awards of $5,000 to $15,000.
Key Takeaway: Based on comparable mortgage servicer settlements, the total class action settlement amount could range from $10 million to $40 million, with individual payouts averaging $1,000 to $2,300 for most borrowers.
Planet Home Lending Lawsuit Eligibility
Planet Home Lending lawsuit eligibility generally includes any borrower whose mortgage was serviced by Planet Home Lending during the relevant time period and who experienced one or more of the alleged servicing violations.
You don’t have to prove your case to be eligible. You just have to show you were a Planet Home Lending borrower during the class period who was affected by the practices at issue.
Eligibility Criteria (Expected):
- Your mortgage was serviced by Planet Home Lending between 2020 and 2025
- You experienced escrow overcharges, shortages, or miscalculations
- You were charged fees not authorized by your mortgage agreement
- You had a loan modification application mishandled or wrongfully denied
- You received a foreclosure notice while a modification application was pending
- You had payments misapplied to your account
- You had force-placed insurance imposed when you already had coverage
Some claims may have additional requirements. Wrongful foreclosure claims, for example, may require proof that you submitted a complete loss mitigation application before the foreclosure was initiated.
If your loan was transferred to Planet Home Lending from another servicer and you experienced problems during or after the transfer, you may also qualify. Servicing transfer errors are a specific category of RESPA violation.
How to File a Claim Against Planet Home Lending
To file a claim against Planet Home Lending, you should gather your mortgage documents, document the harm you experienced, and either join the class action or pursue an individual case through an attorney.
Here’s a step-by-step breakdown:
Step 1: Collect Your Documents
- Monthly mortgage statements from Planet Home Lending
- Escrow analysis statements (annual)
- Any correspondence about loan modifications, forbearance, or foreclosure
- Records of phone calls (dates, representative names, what was discussed)
- Bank statements showing payments made
- Letters or notices about escrow shortages or payment changes
Step 2: Document Your Harm
Write down exactly what happened. Be specific about dates and dollar amounts. If you were overcharged $200 per month for 18 months, calculate that total.
Step 3: File a CFPB Complaint
Submit a formal complaint through the Consumer Financial Protection Bureau. This creates an official record. The CFPB requires Planet Home Lending to respond within 15 days.
Step 4: Contact a Qualified Attorney
Look for attorneys or firms that specialize in mortgage servicing class actions. Most work on contingency, meaning you pay nothing upfront.
Step 5: Join the Class Action or File Individually
If a certified class action exists, you may automatically be included. If not, your attorney can file an individual lawsuit or help you join a proposed class.
| Filing Step | Key Action | Estimated Time |
|---|---|---|
| Gather Documents | Collect statements, letters, records | 1 to 2 weeks |
| Document Harm | Write timeline, calculate losses | 1 week |
| CFPB Complaint | Submit online | 1 day |
| Attorney Consultation | Initial review and case evaluation | 1 to 2 weeks |
| Claim Filing | Attorney files on your behalf | Varies |
Quick Tip: Do not throw away any mail from Planet Home Lending. Every piece of correspondence could be evidence. Even envelopes with postmarks can prove timing.
Frequently Asked Questions
What is the Planet Home Lending lawsuit about?
The lawsuits allege Planet Home Lending mismanaged escrow accounts, wrongfully foreclosed on homes, and violated federal mortgage servicing laws.
Borrowers claim they were overcharged, had payments misapplied, and were denied proper loss mitigation review.
Cases cite violations of RESPA, TILA, and state consumer protection statutes.
How much money can I get from the Planet Home Lending settlement?
Most borrowers can expect between $200 and $3,000 depending on the type and severity of harm.
Borrowers who lost homes to wrongful foreclosure could receive $3,000 to $25,000 or more.
Final amounts depend on the total settlement fund and the number of valid claims filed.
Who qualifies for the Planet Home Lending class action?
Any borrower whose mortgage was serviced by Planet Home Lending between 2020 and 2025 and who experienced servicing errors may qualify.
Specific qualifying events include escrow overcharges, wrongful fees, payment misapplication, or foreclosure during modification review.
You do not need to prove your case in advance to be included in the class.
What is the deadline to file a claim against Planet Home Lending?
No final claims deadline has been set because the settlement has not been finalized as of early 2026.
Once a settlement is approved, the court will set a claims deadline, typically 60 to 120 days after final approval.
Borrowers should begin gathering documents now to be ready when the deadline is announced.
Has Planet Home Lending been fined by the CFPB?
The CFPB has received a significant and growing number of complaints against Planet Home Lending.
While a formal federal enforcement action or fine has not been publicly announced as of early 2026, the complaint volume suggests regulatory scrutiny is ongoing.
State-level regulatory discussions are reportedly underway in at least two states.
The Planet Home Lending lawsuit in 2026 is at a critical turning point. Borrowers who believe they were harmed should start collecting documents and records now.
Whether you join the class action or file individually, your evidence is your power. Escrow statements, payment records, and written correspondence all matter.
Stay informed as court dates approach. The next 12 months will determine whether settlements materialize and how much affected borrowers can recover.
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Meta Title: Planet Home Lending Lawsuit 2026: Payouts and Claims
Meta Title Chars: 55/59
Meta Desc: Planet Home Lending lawsuit 2026 guide covers settlements, payouts, eligibility, filing steps, and class action updates for affected borrowers.
Meta Desc Chars: 152/159
Focus Keywords: planet home lending lawsuit, planet home lending settlement, planet home lending class action lawsuit, planet home lending CFPB complaints, planet home lending lawsuit 2026
Slug: /planet-home-lending-lawsuit/
PHASE 5: IMAGE PROMPTS
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A wide horizontal editorial banner featuring the bold headline text “Planet Home Lending Lawsuit” in large white sans-serif typography centered on the upper third. Background depicts a stylized deep navy blue courtroom scene with abstract geometric pillars and a scales of justice icon rendered in gold wireframe lines. A silhouette of a house sits to the left with document pages floating around it. The right side has breathing room with subtle gold accent lines radiating outward. Mood is serious and authoritative. Lighting is dramatic with a soft spotlight effect on the text. Color palette is deep navy, white, and gold. Professional editorial quality similar to Bloomberg Law or Reuters legal coverage. No real human faces. Clean, modern, high contrast design. 1920×1080 landscape format.
Alt Text 1: Planet home lending lawsuit 2026 hero banner with courthouse and legal symbols
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A wide horizontal in-article graphic with the text “Planet Home Lending Settlement” displayed in bold gold serif font on the left third of the composition. The right side shows an abstract representation of a settlement process: stylized document icons stacked neatly, a gavel silhouette, and a circular chart showing payout tiers in graduating shades of navy and gold. A small house icon sits beneath the chart connected by dotted lines to dollar sign symbols. Background is a clean white with subtle navy gridlines creating a modern data visualization feel. No real human faces. The overall mood is informative and structured, like a financial infographic. High contrast. Breathing room on the far right for potential text overlay. 1920×1080 landscape format. Professional editorial design with deep navy, white, and gold accent color palette.
Alt Text 2: Planet home lending lawsuit settlement payout tiers and claims infographic
