Class members in the Constar Financial Services and Empereon Marketing data breach settlement have eight days to file a claim. The deadline is May 1, 2026. Eligible class members can claim up to $6,000 in losses plus three years of credit monitoring, and the claim form is the only way to receive any benefit.
The case is Roller v. Constar Financial Services, LLCpending in the Superior Court for Maricopa County, Arizona. The court granted preliminary approval of the settlement on January 15, 2026. The notice was mailed to class members on February 13. A final approval hearing is scheduled for May 22 at 9 a.m.
What happened in the September 2024 Constar data breach
The lawsuit centers on a targeted cyber attack on the computer systems of Constar Financial Services and Empereon Marketing in September 2024. The two companies are connected: Constar is a debt and accounts receivable collection company, and Empereon provides call center services. Court filings allege the hackers accessed files containing private information belonging to consumers whose accounts the companies handled.
According to the notice authorized by the courtthe exposed records may have included names, social security numbers, mailing and email addresses, phone numbers, employment information, and information about income, expenses, and assets. This is an almost complete ID kit. Empereon Marketing is also included in the Massachusetts Attorney General’s Breach Notification Portal for September 2024, in which statewide breach monitoring independently confirmed the incident.
Constar and Empereon deny wrongdoing and the court found no liability. The parties agreed to settle to avoid the expense and risk of trial.
Who is included in the Constar settlement class
The class includes all individuals whose personal information was potentially compromised in the data incident. Defendants sent notice directly to affected individuals. If Constar or Empereon sent you a data breach notification letter, you are almost certainly a member of the class. The notice comes with a unique claim ID and PIN that you must submit online.
If you believe you may be a class member but did not receive notice, you may call the settlement administrator at 1-833-647-9042 or email info@EmpereonConstarDataSettlement.com for a paper claim form.
What the Constar Settlement pays
Three benefits are available and class members may claim any that apply.
The first is reimbursement for the usual costs associated with the breach. The cap is $1,000. Expenses must be documented by third parties, must have been incurred between September 27, 2024 and May 1, 2026, and cannot have already been reimbursed from another source. Eligible expenses include fees for credit reports, credit monitoring, credit freezes and releases, bank fees, telephone charges, postage and unreimbursed losses from fraudulent charges.
The second is compensation for documented extraordinary losses, meaning actual identity theft or fraud that can be traced to the breach. The cap is $5,000. Class members must show that the theft or fraud was likely caused by the data incident, that the loss is not already covered under the ordinary out-of-pocket category, and that they tried to prevent or recover the loss through existing safeguards, such as bank insurance.
The third is three years of no-cost credit monitoring through the settlement manager.
The theoretical maximum for a class member is $6,000 plus credit tracking. Most claims will be well below this because most class members will not have documented losses of this magnitude. This is good. It’s worth filing a $50 or $100 claim if the breach costs you time and money.
The deadline for the exemption has already passed
The opt-out deadline was April 14, 2026. So was the objection deadline. If you did nothing by April 14th, you are in class and bound by the settlement. You can still file a claim until May 1 to collect benefits, but you can no longer sue Constar, Empereon or any related party for claims covered by the settlement.
Class members who want benefits have one thing to do: file the claim.
How to claim before May 1st
The quickest route is the online claim form on the settlement website. The website is the official one managed by the settlement administrator. Class members may also mail a paper claim form to Constar Data Incident Settlement, c/o Settlement Administrator, PO Box 25226, Santa Ana, CA 92799-9958. Claims sent by mail must be postmarked by May 1, 2026. Online and email claims must be submitted by May 1.
Payments will not be made until after the May 22 final approval hearing and any objections are resolved. This is standard for class action settlements. Final approval is not guaranteed, but the structure and timelines are already locked in.
What the SSN report actually means for you
The Constar incident exposed Social Security numbers along with employment information and financial information. This combination is enough for someone to open new credit in your name, file a tax return on your behalf, or apply for government benefits on your ID.
Three years of credit monitoring helps detect this type of activity after it occurs. A credit freeze prevents many of these from happening in the first place. Freezes are free at Equifax, Experian and TransUnion and can be temporarily lifted when you need to apply for credit on your own. If your data was in this breach and you have not pledged, do so regardless of whether you file a claim. The settlement money is a backstop. Freezing is the gateway.
Expect phishing attempts linked to the settlement. The actual notifications come from the official admin. The actual site is EmpereonConstarDataSettlement.com. The actual phone number is 1-833-647-9042. No one in the settlement will ever cold call your social security number. If someone does, hang up.
The clock ends on May 1st. If Constar ever sent you a letter about the September 2024 data incident, please submit before the deadline or tender closes.
