Preliminary Approval Order (PDF: 197.9 kB).Caliber denies the allegations asserted in the Actions. § 1692f(1), various state debt collection laws, and breached the terms of the borrowers’ loan agreements. The Action asserts that Caliber’s practice of charging such fees, among other things, violated the federal Fair Debt Collection Practices Act, 16 U.S.C. Stephen Phillips, Mary Tourville-Phillips, Sandi Barnett, Gregory Benjamin, Tyrus Davis, and Christopher Bingham (“Plaintiffs”) sued Caliber Home Loans, Inc., alleging that Caliber charged borrowers fees to make mortgage payments online or over the phone, including through the use of the telephonic automated “IVR” (interactive voice response) system (“Pay-to-Pay fees”). District Court for the District of Minnesota. The three cases have been consolidated for Settlement before the U.S. This Notice is a summary of a Proposed Settlement of three class action lawsuits titled Phillips, et al. The United States District Court for the District of Minnesota (the “Court”) authorized this Notice. This website is a summary of a Proposed Settlement of three class action lawsuits titled Phillips, et al. The United States District Court for the District of Minnesota (the “Court”) authorized this Website.