Guide · 5 min read
Opt out or object to a class action settlement?
Every class action notice lists your options. Most people should simply file a claim. Here is what each choice really does.
Your options
| File a claim | You get paid if eligible and give up the right to sue separately. |
|---|---|
| Do nothing | You stay in the class but get nothing (unless payments are automatic), and still give up the right to sue. |
| Opt out | You leave the class. No payment, but you keep the right to sue on your own. |
| Object | You stay in and tell the court what you think is unfair. You can still file a claim. |
When opting out makes sense
- Your losses are much larger than the settlement caps.
- You have strong records and a lawyer willing to take your case.
See do I need a lawyer for more.
How to object
Follow the notice exactly: a signed letter with the case name, your details, and your reasons, sent to the court and the addresses listed, before the deadline.
Claim before the deadline
- Concora Credit - Unwanted Calls $250 - $650 · by Oct 19
- VSL Pharmaceuticals - Probiotics $20 Per Unit · by Oct 20
- Lands’ End - Data Breach $60 - $5,000 · by Oct 22
- Equinox - Data Breach $100 - $5,000 · by Oct 23
- TED Foundation - Data Privacy $5 · by Oct 26
- Homebuyer Antitrust - Multiple Listing Services Varies · by Oct 27
Frequently asked questions
What happens if I do nothing in a class action?
You stay in the class. If you file a claim you can be paid, and either way you give up the right to sue separately over the same issue.
Should I opt out of a class action settlement?
Only if you have large individual losses and plan to bring your own case, usually with a lawyer. Most people are better off staying in and filing.
Can I object and still get paid?
Yes. Objecting keeps you in the class, so you can still file a claim. Opting out removes you, so you cannot claim.
Is there a deadline to opt out or object?
Yes. The notice lists an opt out and objection deadline, usually weeks before the final approval hearing.