Sell structured settlement payment


What Is a Structured Settlement

A structured settlement is a legal settlement paid out over time, usually through an annuity. Structured settlements are usually intended to help pay for medical bills and to make living with the injuries from an accident easier to manage. It’s a comforting, predictable income. But sometimes, these payments are too small to help you meet your current needs.

Structured settlement’s traditionally come in two forms:

Life-Contingent Structured SettlementsA life contingent structured settlement is set up to make payments for the life of an annuitant.

Guaranteed Payment Structured SettlementsStructured settlements with a guaranteed payment streams pay out for a fixed period, regardless of whether the annuitant is living. The annuitant’s beneficiaries or estate will receive the payments upon the annuitant’s death. Many of our customer’s inherited a guaranteed payment structured settlement from a loved one

Life changes. Shouldn’t your access to your structured settlement payments change with it?

How to Sell Your Structured Settlement Payments

Thankfully, you have options. If you need more money now, we can help. At J.G. Wentworth, we’ll offer to buy your future settlement payments for a cash lump sum. We know that most of our customers depend on those payments to pay for everyday expenses, which is why you can choose how much of your future payments you want to sell. In fact, for most of our customers, they only sell a portion of each payment, meaning they get their lump sum and continue to receive part of their regular payments.

Our experienced representatives understand that every sale is unique, which is why they’ll give you options so you can choose what works best with your financial situation.

Selling your structured settlement starts with a simple phone call. Once our representatives understand what you want, they’ll give you a no-obligation quote. We’ve streamlined our process so that we can get you your money as soon as possible.

How Does J.G. Wentworth Work

J.G. Wentworth is the largest purchaser of structured settlement payments in the world; having purchased future payments from thousands of customers. This means we have more experience at what we do than any other company, and one of the most common questions we get is how we do what we do.

We’re Experts In Giving You Options For Getting Your Cash Now

As the largest structured settlement payment buyer in the United States, our understanding of process allows us to streamline your sale, getting you your money as soon as possible.

For more than 25 years, we’ve helped customers get the cash they want, when they want it. This commitment to helping customers access their money as quickly as possible is one of the reasons why J.G. Wentworth has an A+ rating for customer service with the Better Business Bureau.

Whether you’re looking to sell some or all of your structured settlement payments, contact us today and speak to a J.G. Wentworth representative to explore your options.

Before You Sell Your Structured Settlement Read This

Austin, TXAfter twenty some years in the structured settlement business, Terry Taylor knows his industry—the good, the bad and the ugly. A former president of the National Structured Settlement Trade Association, Taylor warns there are vultures that prey on people who are poor, uninformed or desperate. The vultures Taylor is talking about are not part of this organization, but people often do not understand the difference. “Yes, I am a little mad at the predators,” says Taylor. “I have always worked with plaintiffs to protect their money, and when I see them getting ripped off, I don’t like it.”

Before You Sell Your Structured Settlement Read ThisTaylor works with Strategic Capital, a highly reputable company that both buys and sells settlements and recommended by Consumer Attorneys of California (CAOC).

The bad apples are referred to as the “Factoring” companies—their sole purpose is to buy up settlements at excruciatingly high discounts. Unfortunately many people get hurt and don’t realize that a 30 percent charge for the sale of an annuity is not the industry standard.

Americans receive as much as $4 billion a year in monthly disbursements usually as the result of a lawsuit. Taylor was once “adamant” that people never sell their structured settlements for cash, but these are tough times in the US and he has changed his position. “I have come to the conclusion it is sometimes better for people to save their home from foreclosure, for example, rather than continue to receive a monthly payment,” he says.

“If they just want the money to buy a fast boat,” says Taylor, “then that’s still not a good idea.”

“If you are going to sell your settlement for cash beware of the “discount rate” you’re being offered.” Taylor’s company, Strategic Capital, offers a discount rate on average of 12%. If the structured payment has a future value of $100,000 in a year—you get $88,000. “Yes, we make money, but it’s better than a credit card rate, and it is fair.”

However, there are some rough players in the business that will take you for a 30 percent “discount rate”—and you’ll end up with $70,000.

“People don’t understand discount rates,” says Taylor. “All they know is in a few years I get $50,000, but if I sell it I am going to get $22,000 today. That’s a horrible deal, but they are just looking for cash now.”

In 2002, as the then-president elect of the Structured Settlement Trade Industry, Taylor and others lobbied Congress for changes that would protect settlement holders from predatory practices. “Before then, we saw some horrendous deals,” he says.

Since then, the law requires that the sale of every structured settlement must be approved by a judge, but Taylor still sees problems. “Most judges take care to guard the interests of people who are selling their structured settlement, but sometimes they don’t,” he says. “Sometimes the judge, who doesn’t add very well, will approve a 30 percent discount. It doesn’t happen very often, but it does happen.”

And, before you sign, ask if the company that wants to buy your structured settlement has ever gone bankrupt. It’s a good clue to stay away says Taylor. And it is very import to ask who is servicing the debt. Ideally, it should be the insurance company and not the people who are buying the settlement. If they go broke—so will you.

People are dealing with some very difficult circumstances in the US at moment. If you sell a portion of your
structured settlement to a company, they may harass you sell the remainder. If you discover you got a raw deal on the first sale, and decide to sell the rest to another company, the first company may refuse to work with another factoring company, making them the only one who can purchase any future sale at whatever price they set.

“Strategic Capital has always been fair with people,” says Taylor.

“Yes, I sleep better now since 2002,” says Taylor. “I feel much better than I did because so many people back then were being taken of advantage of.”

But, warns Taylor, there are still some seriously bad apples out there and it is still a buyer beware situation.



Legal Help

If you or a loved one have suffered losses in a similar case, please click the link below and your complaint will be sent to a financial lawyer who may evaluate your claim at no cost or obligation.



Posted by
Kelly M.
If a person has payments for life, is currently 50 years old, and its workers compensation; is there a chance for a decent settlement?

Posted by
Need some advice on my settlement i want to know if im getting a realistic deal… My court date is in 2 weeks

Posted by
I lost a great deal of money and was taken advantage of 20 yrs ago when due to some very hard times had to sell a portion of my annuity payments. I lost a very large amount of money! I was sent to one of their attorneys to do the pprwk/sign the documents. My husband was out of work and we were about to loose everything we had, not to mention we had 2 small children. I think that I got 15k and they got like 100k. I wish I would have just walked away it makes me sick to know how much they took from me at the time.

Posted by
Jg wentworth and Peachtree are owned by the same company.

Posted by
How c as needed I get some of my money back from JG Wentworth I feel they took advantage of me and took my money

Posted by
Isaac Antonio Busby
I need a lawyer because I have a story to tell about how structure settlement companies did me.

Posted by
Michelle Frankston
I was working with a few different companies throughout my sale. I sold one of my payments to J.G. Wentworth and through Peachtree Settlement funding. Everyone, please do your research. it turned out I was ripped off very bad and the interest rate I was charged was higher than credit cards! I also worked at one point with novation capital and was also ripped off to a degree. I sold approx 1,400,000 in exchange for $200,000. I strongly advise anyone to shop around because there is alot of money being pumped into advertisement because these huge companies make so much money on these. please be aware and check out the BBB and rip off report of every company you call!

Posted by
please contact me regarding structured settlement

Posted by
Curtis taylor
Is there a gd number I can call

Posted by
Brenda o.
My husband and I have a structured settlement that where wanting to sale possibly 5-10 years just to do some home improvements.we’ve talked to a top named campany who just thought we were stupid. So who would those of you who had good experiences in your sale. Thanks in advance Brenda

Posted by
Michelle W.

I was conned into selling mine by a well known company, they took advantage of my need for some of my funds due to my son having cancer, I was then scared into two things..1. Just selling it all because “we never know lifes ” ready or nots” and that my son needed me to do what’s best and selling all future payments would be in my best interest. Then I was told that If I didn’t act a certain way or say what I was told to say..the judge might not believe me and say no, leaving my son without cancer treatments. Now by selling all my remaining payments and only getting $7400 for it, my son is in remission (thank goodness) but, I face going homeless with my children, and my car was stolen, and we are starving, while the company is eating out orob every night, living financially secure. I was young and scared when my husband died, I had a lot of men in suits and ties coming at me for my business in placing our settlement with them. But not even my attorney tried talking sense into me or educating me, not once was I told that I could never go back and use my money once I put it with a company, I found that out later. But, again, they all are cozy waiting on the next mentally unstable victim to come along. 🙁 I wish I could rise up and Sue for what they took from my children, but, with their big hot shot attorneys, they prob would make me look like a fool again. Yes folks do your ressearch, think things through and don’t let this componies bully you into anything you don’t want to do. Follow your gut instinct.

My sons payments are safe, his can not be touched, thank goodness, but I intended my payments to help me in raising two children alone, nothing turned out the way I’d hoped it would.I do feel like a stupid failure,I should had known better.

Posted by
Jeremy Warwick
I have a structured settlement that spans over my 60’s with monthly payments starting at age 40 until the end at 65. Is it possible to go after two years of those 25 years at this point for clearing some debt and getting back to college.? I’m 28.

Posted by
Joyce Dollarhide
I have a structured settlement for 10 years
I live in Texas anyone the familiar how this works in my state I’m thinking about selling the whole structured settlement for 1 cash payout

Posted by
I would like to give Kyle foster a call can I get his number or email how can I contact him

Posted by
The lawyers that settled my case claimed I should sell my annuity and then arranged a sell out, found a buyer, negotiated a deal, and wants me to sell at 49 percent of my 15 year annuity does you seem right?

Posted by
cynthia rios
Can you please contact me

Posted by
When I was looking to sell my settlement, I must have talked to near a dozen. I found the larger ones (like mentioned by Adrianna) were offering the worst quotes of the bunch. In the end I narrowed it down to Strategic Capital and My Structured Settlement Cash as the best options.

Posted by
Good read! I would also add that I had a deal with JG and Peachtree bidding back and forth and neither of them would go over 35,000 for my payments and after some research I ran into Kyle Forster who brokered my settlement payments to private investors and got me 50k! He is worth the try give him a call if you want the best quote.

Sell Structured Settlements For Cash

Periodical payments incoming from structured settlements are predictable and good to have. Unfortunately, life presents us with unforeseeable challenges, many of which demand extra financial liquidity to solve.

Cash For Your Structured Settlement

If you’re frustrated with waiting for cash from long-term payouts from structured settlements, Rising Capital can work with the court system to grant you immediate cash now. As a structured settlement company, we take on the brunt of the responsibility and risk associated with the purchase your structured settlements or annuities, while you turn future-payments into a large, immediate cash payment. No need to fuss about with more legal paperwork or promises from judges, we are prepared to change your periodical payments into one lump sum.

Turning A Structured Settlement into A Lump Sum

Did you know that the most common structured settlements and annuities pay out over 25 years?

How long are you waiting for your payment to arrive?

How many more months or years will it take until you’ve pocketed the money that’s supposed to be yours?

Are You Owed Money? Sell Your Structured Settlement For Cash Now

You are entitled to sell you structured settlements if you are currently receiving money from any of the following:

  • Wrongful Death
  • Personal Injury
  • Product Liability
  • Workers Compensation

What Rising Capital Associates Can Do For You

If you were awarded a structured settlement and you are currently receiving payments or will be receiving payments in the future we can help you obtain your cash now.  These payments are made by an insurance company over a period of time; this is set up to help meet your future financial needs. Needs and wants change over time and Rising Capital is here to help you unlock your money and get it into your hands and out of the annuity.

Here is how we can help you today. The easy and simple 4-step process is outlined below:

Introduction: We take the time to get to know you and understand your current situation. Then take the time to put together a plan to secure your financial future.

Documentation: We will send everything in writing, ensuring that all of the details are clear and concise.

Quick Court Process: We have well-established relationships throughout the country to ensure a speedy and successful court process.

Payday: We strive to ensure a speedy funding to get your money to you as soon as possible.

Don’t Wait for Money LATER. Get Your Cash NOW

When life situations arise, a structured monthly payout may not provide the money you need to make it to next month. If you’re feeling overwhelmed and have an annuity that either takes too long to arrive or arrives in payments too small to be effective, you may consider cashing it in. Take the money owed to you by engaging in a transaction that can transform a long-term payment into an instant reward. You can use this money to supplement your income, travel, pay off debts and medical bills, or assist with any other costs you may have presently. Our knowledgeable associates at Rising Capital prides themselves on offering real solutions to individuals who can’t afford to wait any longer.

  • Structured Settlement Funding
  • Personal Injury Lawsuit Funding
  • Wrongful Death Lawsuit Funding
  • Medical Malpractice Lawsuit Funding
  • Tobacco Lawsuit Funding and other Mass Tort Case Funding
  • Workers Compensation Settlement Funding
  • Annuity Purchasing
  • Pension Funding
  • Sell Lottery Payments

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