Class Action - which options I have?
<p>This is regarding to my question: <a href="https://money.stackexchange.com/questions/106991/is-this-apparent-class-action-settlement-a-spam-message">Is this apparent Class Action settlement a spam message?</a></p>

<p>From answers I understood that it isn't a spam.</p>

<p>But what options I have?</p>

<p>They offer only two:</p>

<ol>
<li>file a claim</li>
</ol>

<blockquote>
  <p>You will only receive a benefit if you file a Claim Form online by
  June 24, 2019, or if mailed, postmarked no later than June 24, 2019.</p>
</blockquote>

<ol start="2">
<li>exclude yourself</li>
</ol>

<blockquote>
  <p>If you don’t want to receive a cash payment or other settlement
  benefits and don’t want to be bound by the Settlement and any judgment
  in this case, you must send a written request to exclude yourself.</p>
</blockquote>

<p>But if I do nothing, just ignore this message, what happens?</p>

<p>From text:</p>

<blockquote>
  <p>If you don’t exclude yourself, you may object to the Settlement or to
  the request for fees and costs by Class Counsel.</p>
</blockquote>

<p>So I get nothing, but should pay fee?</p>

<p>Looks strange.</p>

<p>A person who is nominally in the class and does nothing remains in the class. Such a person can file formal objections to the terms of the settlement, including the amounts to be paid to the lawyers who ran the class action and negotiated the settlement on behalf of the class. Any such objections will be considered when the judge decides whether to approve the terms of settlement. As a practical matter, there needs to be a good reason stated for any objection if it is to have any effect on the terms.</p>

<p>A member of the class does not pay any fees, directly. However, the total fees paid come out of the money provided by the settlement, and may reduce the benefits available to class members, which is why members may file objections to th fee structure.</p>

<p>A member of the class can get some of the settlement money only if that person files a claim on the proper form, and the claim is approved.</p>

<p>A person who is nominally in the class may send in a written request to be excluded from the class. Such a person ceases to be a member of the class, cannot object to the terms of settlement, and cannot file a claim. However, such a person is not bound by the settlement, and can file a separate, individual lawsuit over the same issue, if such a person chooses to do so. This would mean paying a different set of lawyers.</p>

<p>Your options, as I understand it, are:</p>

<ol>
<li><p>File a claim. You should get some money, probably $50 - $200.  Woo, free money!</p></li>
<li><p>File a claim and object to the terms of the settlement. In theory this might get you a bit more money than option 1, but you need to explain exactly what it is you object to and why it is wrong in law. Unless you can find a big mistake in the legal paperwork the odds of you getting enough extra to pay for the postage are basically zero.</p></li>
<li><p>Exclude yourself from the class. You get nothing, but you keep an option of filing a separate legal action to get more money. However for this kind of money a separate legal action is going to cost more than its worth, even if you do all your own lawyering. Almost certainly not worth it.</p></li>
<li><p>Do nothing. You get no money, and you lose your option to file a separate legal action.</p></li>
</ol>

<p>If you want to pursue #2 then you could contact Ted Frank's <a href="https://cei.org/issues/class-action-fairness" rel="nofollow noreferrer">Centre for Class Action Fairness</a> to see if they would take an interest.</p>

settlement class-action