Should I take part in Hall VS Bank Of America?

Class action settlements often provide class members with decent outcomes, particularly where you don't want to have to do anything beyond filling out a claim form. But many settlements discount the claims due to the uncertainty of class certification, or because of the plaintiffs' lawyers unwillingness to risk (or finance) further litigation. So, if you can and are willing to hire a lawyer and prosecute your own individual case, a better deal is often possible. But remember: That depends on the value of your claim, and whether you have the right to recover individual attorneys fees. If you have a meaningful sized claim, and a right to individual attorneys' fees, then "opting out" (requesting to be excluded) from the class may make good sense. But only if you'll be bringing your own claim. Happy to answer further questions, as I realize this is a lot of information.

That is your decision, and you can opt out.