Case No. 10916 CD 2022 in The Court of Common Pleas - Indiana County, Pennsylvania

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You may be entitled to receive a settlement payment and other benefits in connection with a class action against
Value Finance, Inc., formerly known as Cambria Thrift Consumer Discount Company

  • This settlement resolves a lawsuit over whether Value Finance, Inc. (“Value Finance”) sent borrowers proper notice of their rights after vehicle repossession and sale.
  • Value Finance denies and disputes the claims asserted in the Litigation.The parties disagree about whether any money (and if so, how much) could have been awarded to you if the Plaintiff were to prevail at trial.The settlement avoids the costs and risks to members of the Class like you from continuing with the lawsuit, and it provides relief to the Class.
  • This settlement will: (a) provide a gross fund of $350,000 to be distributed to Class Members after payment of administrative costs, Class Counsel fees and expenses, and a service award to Plaintiff; (b) eliminate disputed Deficiency balances of approximately $436,541; and (c) require Value Finance to request that credit reporting agencies delete the tradeline for your Value Finance auto loan from your credit report, in accordance with the proposed Class Action Settlement Agreement.
  • Your rights are affected whether you act or not.Read this notice carefully.

Your Legal Rights and Options in this Settlement:

Do Nothing (Optional: Contact Settlement Administrator about preferred Payment Method)

If the settlement is approved by the Court as presented, any post-auction deficiency balance will be eliminated, and Value Finance will request the credit reporting agencies to delete your loan history from your credit report. You will also be paid a proportionate share of the net settlement proceeds. The amount listed on your notice will be sent to you by check unless you promptly contact the Settlement Administrator at [email protected] to request one of the other available payment methods it offers.

Exclude Yourself

Get no payment.  This is the only option that allows you to ever be part of any separate lawsuit against Value Finance concerning repossession or financing of your vehicle.  Act by July 5, 2024.


Write to the Court about why you don’t like the settlement and do not want it approved.  Act by July 5, 2024.

Go to a Hearing

Ask to speak in Court about the fairness of the settlement on August 16, 2024.


  • These rights and options – and the deadlines to exercise them – are explained in the notice and this website.
  • The Court in charge of this case still has to decide whether to approve the settlement.Payments will be made if the Court approves the settlement and after any appeals are resolved.Please be patient.
  • For more information or to review key documents or the class action settlement agreement, you can visit Important Court Documents.