Question 1

What does RDL do?

Accepted Answer

RDL is a settlement recovery consulting firm. We identify class action settlements your business may qualify for, verify eligibility, prepare and file all required claim documentation, and track your claim through payment — all at zero upfront cost.

Question 2

How does RDL get paid?

Accepted Answer

We work on a contingency basis. You pay nothing unless we successfully recover money for your business. Our fee is a percentage of the recovery amount, agreed upon before any work begins.

Question 3

Do I need to hire a lawyer?

Accepted Answer

No. RDL is not a law firm, and you do not need to retain an attorney to participate in these settlements. The court appoints class counsel and a settlement administrator for each case. RDL serves as your authorized representative for filing and tracking your claim.

Question 4

Can I file on my own without RDL?

Accepted Answer

Yes. Class members can always file directly through the court-appointed settlement administrator at no cost. However, the filing process involves documentation requirements, administrator follow-up, and deadlines that many businesses miss. Historically, nearly 95% of businesses entitled to settlement benefits never receive them — because they didn't know they qualified, missed the deadline, or submitted incomplete claims.

Question 5

What if my business is no longer active?

Accepted Answer

Your business does not need to be currently operating to qualify. If it was in existence during the qualifying period for a given settlement, it may still be eligible. RDL can work with the settlement administrator to confirm eligibility for closed or dissolved businesses.

Question 6

How many settlements can I file for at once?

Accepted Answer

There is no limit. RDL cross-references your business against every active settlement in our pipeline under a single engagement. If you qualify for three cases, we file three claims with one retainer.

Question 7

What is the Discover Card Merchant Settlement?

Accepted Answer

It is a $1.225 billion antitrust settlement related to interchange fees charged on Discover-branded credit card transactions. Over $540 million is guaranteed for distribution to qualifying merchants.

Question 8

Who qualifies for the Discover settlement?

Accepted Answer

Any merchant that accepted Discover-branded credit cards between January 1, 2007 and December 31, 2023. This includes restaurants, retail stores, gas stations, e-commerce businesses, and service companies. Merchant acquirers, financial institutions, and payment processors that facilitated Discover transactions also qualify.

Question 9

What is the Discover filing deadline?

Accepted Answer

May 18, 2026. This is a hard deadline. No extensions have been granted.

Question 10

How much can my business recover from Discover?

Accepted Answer

The amount depends on your actual or estimated Discover card transaction volume during the qualifying period, the total number of valid claims filed, and the fund's administrative costs. RDL works with the settlement administrator to ensure your claim reflects the correct transaction data.

Question 11

What information do I need to provide?

Accepted Answer

Basic business information: legal name, address, industry, card acceptance history, and general transaction volume. For specific cases like Toyota Forklift, you may need equipment purchase records. For the Generic Pharma settlement, health plan or pharmacy purchasing data. RDL will tell you exactly what's needed for each case.

Question 12

What does the retainer authorize?

Accepted Answer

By signing the retainer, you authorize RDL to serve as your representative for all settlement-related communications and decisions. This includes receiving your claim form from the administrator, preparing and submitting the claim, responding to follow-up requests for documentation, and ensuring timely and accurate payment.

Question 13

How long does the process take?

Accepted Answer

Timeline varies by case. Some settlements distribute within months of final approval; others take a year or more. RDL tracks each claim continuously and keeps you informed of progress and expected payment dates.

Frequently Asked Questions

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