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What Is a Structured Settlement?

Negligent parties,who owe you money, may not have the means or resources to pay you upfront. Therefore, you might agree to receive your payments over time in the form of a structured settlement. Since there are no other options available, it is the most viable source for recuperating your losses.

However, this strategy creates a new problem: not having the money you need to pay your bills now. Therefore, you may want to consider enlisting the services of a structured settlement company. They can help you receive a lump-sum deposit in exchange for the series of payments you are waiting to receive.



A structured settlement is one way in which a negligent party may offer to compensate you for your losses. It is a strategy that they use to avoid going to court.

The plaintiff and defendant work together to facilitate restitution by using a qualified assignee. He or she will fund the money that the assignee needs to purchase an annuity. The assignee will facilitate the transaction and begin sending you a regularly agreed-upon amount.

While structured settlements are an excellent strategy for recuperating your losses over the long-term, you might need the money now to provide for:

  • Paying off past-due medical debt
  • Purchasing a new car
  • Putting a down payment on a home
  • Starting a new business
  • Going back to school

The preceding list of items tends to be expensive and challenging for many people to afford. This assertion is particularly true since you are stuck in a situation where someone owes you money. If they did not behave negligently, you might not be in your current position. It is a frustrating realization to have.

Like anything in life, there are always careful considerations one must make to determine the best fit.

A structured settlement certainly initiates the process of paying you back. Other benefits include the ability to receive tax-free income, a reduced temptation to spend money, and a guarantee on your payments.

The drawbacks of structured settlements primarily center on the theme of needing money immediately. A structured settlement cannot provide that through a lump-sum payment. Other disadvantages include decreasing value over time and age limits imposed on your ability to draw on the annuity.

If a structured settlement hinders your financial capabilities, you may want to consider selling your structured settlement payments.

The good news is that you do not have to wait to receive your structured settlement. You can sell your payments to a structured settlement company in exchange for a lump sum deposit.

They can evaluate your current agreement and provide a quote that outlines the details of the transaction. After following a few practical steps and procedures, you can receive a whole or partial payment for your structured settlement payments.

How to Sell Your Settlement

Selling your structured settlement for a lump-sum payment requires you to work with a reputable and straightforward company. You must follow a few steps to ensure that you are receiving a fair value for your structured settlement payments.

When you work with our team of professionals, we recommend that you take the following steps to initiate the transaction.

  • Inventory your financial situation to determine what your genuine needs are
  • Contact us to learn more about our process and service
  • Submit a free, no-obligation quote to find out how much we will offer you
  • Sign our proposed agreement of sale, if you accept our offer
  • Provide the required documents so that we can make the arrangements with a civil court judge
  • Receive your lump-sum payment after a judge approves the transaction

Going to civil court is an administrative formality since federal and state laws govern structured settlement transactions. Therefore, it is a necessary process that requires answering a few questions and receiving a judge’s approval. It generally takes a few months to complete the entire transaction from start to finish.

Our legal team will help you work through this aspect of obtaining your cash deposit as soon as possible.

Get the Cash You Need with Our Professionals

If you believe that selling your settlement is right for you, please let us know how we can help. Our structured settlement brokers will patiently answer your questions so that you have the information you need to make a decision. Reach out to us for your free, no-obligation quote today by completing our easy and secure online form.

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