This proposed settlement resolves claims that Credit Exterminators, Earn Company and Earn Finance used unlawful credit-repair contracts and charged prohibited upfront fees. Class members share a $125,000 fund, with payments expected around $60 each, paid automatically. Final approval is still pending.
Benefit Summary
Eligible class members: available benefits include Estimated $60 automatic payment.
Payments come from the $125,000.00 settlement fund and may change after approved deductions.
Available Awards
Estimated $60 automatic payment
Who Is Included
The Class includes people whose records show they entered into a Credit Repair Services Agreement with Earn Company, Earn Finance Company LLC, or Credit Exterminators Inc. on or after February 10, 2016.
- Proof required: No supporting documentation is stated for the automatic payment; eligibility is based on Defendants' records showing a qualifying Credit Repair Services Agreement.
Claim and Payment Information
- Claim method: Automatic payment by check, unless an electronic payment method is selected on the case website.
- Instructions: No claim form is required. You do not need to take action to remain in the Class. You may select an electronic payment method on the case website.
Questions & Answers
Who is included in the settlement?
You may be included if the defendants’ records show that you signed a Credit Repair Services Agreement with Earn Company, Earn Finance Company LLC, or Credit Exterminators Inc. on or after February 10, 2016. The notice says that people who received the notice meet this description in the defendants’ records.
The notice does not list additional exclusions or a separate claim form for this payment.
Do I need to file a claim or provide documents to receive a payment?
No claim form or supporting documents are required for the automatic settlement payment. You do not need to take further action to stay in the Class and receive a payment if the Court approves the settlement.
The notice says payment will normally be sent by check. You can choose an electronic payment method on the case website instead.
How much might I receive, and why is it an estimate?
Payments are expected to be about $60 per Class Member. This is an estimate, not a guaranteed amount.
The $125,000 settlement fund will first cover approved litigation expenses, a service award for the Class Representative, and settlement-administration costs. The remaining Net Fund will be distributed to Class Members.
When could payments be sent?
The Court must first approve the settlement, and any appeals must be resolved. The defendants will then make payments under a plan lasting about two years after final approval.
The notice does not give a specific payment date.
How do I object to the proposed settlement?
You may object if you are a Class Member and disagree with any part of the proposed settlement. Filing a timely written objection is enough for the Court to consider it; you do not have to attend the hearing.
- Write that you object to the settlement in Atterbury v. Earn Company, No. 210400637, explain your reasons, and explain why you believe the Court should not approve it.
- Include your name, address, telephone number, email address if available, and signature.
- Mail the written objection by December 26, 2026, to each of these three recipients:
- Settlement Administrator: Atterbury v. Earn Company, c/o Settlement Administrator, P O Box 23678, Jacksonville, FL 32241.
- Class Counsel: FLITTER MILZ, P.C., 450 N Narberth Ave, Suite 101, Narberth, PA 19072.
- Defendants’ Counsel: DAILEY LLP, 1650 Market St, Suite 3600, Philadelphia, PA 19103.
Do I need to attend the Court hearing, and can I speak there?
The Fairness Hearing is scheduled for January 20, 2027, at 10:00 a.m. in Courtroom 636. The Court will decide whether the settlement is fair and whether to approve it.
You do not have to attend. You may attend at your own expense, and you may ask the Court for permission to speak. The notice does not give further instructions for requesting permission to speak.
Does the notice provide a way to exclude myself from the settlement?
The notice does not list an exclusion or opt-out option. It says the Court certified the case as a class action and presents doing nothing, objecting, and attending the hearing as the available responses.
A Class Member who disagrees may submit a written objection by December 26, 2026. The notice does not describe a separate procedure for leaving the Class.
Other Important Dates
- Objection deadline: 2026-12-26
- Final approval hearing: January 20, 2027, at 10:00 a.m.
- Hearing location: Courtroom 636
Case Details
- Total settlement fund: $125,000.00
- Case name: Christina Atterbury, individually and on behalf of all others similarly situated, v. Earn Company, et al.
- Case number: 210400637
- Court: Court of Common Pleas of Philadelphia County, Pennsylvania
- Administrator: Settlement Administrator
- Official Settlement Website: https://www.CreditExterminatorsClassAction.com
Sources
Claim form, FAQ, deadlines, administrator information
Court-approved notice describing eligibility and benefits