Class members in the Constar Financial Services and Empereon Marketing data breach settlement have eight days left 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, LLC, pending in the Superior Court for Maricopa County, Arizona. The court gave preliminary approval to the settlement on January 15, 2026. Notice was mailed to class members on February 13. The final approval hearing is scheduled for May 22 at 9 a.m. Mountain Time.
What Happened In The September 2024 Constar Data Breach
The lawsuit centers on a targeted cyberattack on the Constar Financial Services and Empereon Marketing computer systems in September 2024. The two companies are related: Constar is a debt collection and accounts-receivable firm, and Empereon provides call center services. Court filings allege that the intruders accessed files containing private information belonging to consumers whose accounts the companies handled.
According to the court-authorized notice, the exposed files may have contained names, Social Security numbers, mailing and email addresses, telephone numbers, employment information and information about income, expenses and assets. That is a nearly complete identity kit. Empereon Marketing is also listed on the Massachusetts Attorney General’s breach notification portal for September 2024, which is how state-level breach tracking independently confirmed the incident.
Constar and Empereon deny wrongdoing and the court has made no finding of liability. The parties agreed to settle to avoid the cost and risk of trial.
Who Is Included In The Constar Settlement Class
The class includes all persons whose private information was potentially compromised in the data incident. Defendants sent notice directly to affected individuals. If Constar or Empereon mailed you a data breach notification letter, you are almost certainly a class member. The notice comes with a unique Claim ID and PIN that you need to file online.
If you think you may be a class member but did not receive a notice, you can still call the settlement administrator at 1-833-647-9042 or email [email protected] for a paper claim form.
What The Constar Settlement Pays
Three benefits are available, and class members can claim any that apply.
The first is reimbursement for ordinary out-of-pocket expenses tied to the breach. The cap is $1,000. The expenses have to be documented with third-party paperwork, have to have been incurred between September 27, 2024 and May 1, 2026 and cannot already have been reimbursed by another source. Eligible expenses include fees for credit reports, credit monitoring, credit freezes and unfreezes, bank fees, phone charges, postage and unreimbursed losses from fraudulent charges.
The second is reimbursement for documented extraordinary losses, meaning actual identity theft or fraud that can be traced to the breach. The cap is $5,000. Class members have to show the theft or fraud was probably 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 protections like bank insurance.
The third is three years of credit monitoring at no cost through the settlement administrator.
The theoretical maximum for a single class member is $6,000 plus the credit monitoring. Most claims will land well below that, because most class members will not have documented losses of that size. That is fine. A $50 or $100 reimbursement is still worth filing for if the breach cost you time and money.
The Deadline To Opt Out Has Already Passed
The opt-out deadline was April 14, 2026. So was the objection deadline. If you did nothing by April 14, you are in the class and bound by the settlement. You can still file a claim through 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 left to do: file the claim.
How To File A Claim Before May 1
The fastest path is the online claim form at the settlement site. The site is the official one run by the settlement administrator. Class members can also mail a printed claim form to Constar Data Incident Settlement, c/o Settlement Administrator, P.O. Box 25226, Santa Ana, CA 92799-9958. Mailed claims have to be postmarked by May 1, 2026. Online and email claims have to be submitted by May 1.
Payments will not go out until after the May 22 final approval hearing and any appeals are resolved. That is standard for class action settlements. Final approval is not guaranteed, but the structure and deadlines are already locked.
What SSN Exposure Actually Means For You
The Constar incident exposed Social Security numbers along with employment information and financial details. That combination is enough for someone to open new credit in your name, file a tax return on your behalf or apply for government benefits in your identity.
Three years of credit monitoring helps detect that kind of activity after it happens. A credit freeze stops a lot of it from happening in the first place. Freezes are free at Equifax, Experian and TransUnion, and they can be lifted temporarily when you need to apply for credit yourself. If your data was in this breach and you have not placed a freeze, do it regardless of whether you file a claim. The settlement money is a backstop. The freeze is the gate.
Expect phishing attempts tied to the settlement. Real notices come from the official administrator. The real site is EmpereonConstarDataSettlement.com. The real phone number is 1-833-647-9042. No one legitimate from the settlement will ask for your Social Security number by cold call. If someone does, hang up.
The clock runs out on May 1. If Constar ever mailed you a letter about the September 2024 data incident, file before the deadline or the offer closes.
