I recieved an answer from Hillary Miller yesterday and I forwarded it to the attorneys office that made the offer and this is the reply.

This is not class action case, it¿s a mass tort lawsuit , Lets start by revisiting what is a mass tort law suit is or clarifying the difference between a class action and mass tort:Class Action · Free to join · Typically tens of thousands of plaintiffs on a complaint · No attorney client collaboration · Law firm contingency ¿ typically 60 to 70% of any settlement · One settlement for all to split - $40m / 10000 plaintiffs = 6500 per plaintiff · Foreclosure protection ¿ NONE Mass Tort · Shared cost model ¿ one small retainer fee per plaintiff · Direct and ongoing attorney client collaboration · Contingency fee ¿ 70% split plaintiff and 30% attorney · Settlement ¿ each plaintiff will receive a unique settlement · Foreclosure protection ¿ yes Why don¿t you pass this along to your attorney and maybe your attorney will have a different outlook on this. John A. Ditullio Intake Coordinator The Resolution Law Group,P.C