Structured Settlements

Have you received a structured settlement recently? A structured settlement can be a good thing if you have been a victim of malfeasance, have been severely injured or can no longer physically work. Structured settlements will help you pay bills. But what do you do if you have a structured settlement, which is coming your way and you really have decided that you might prefer to have the cash instead? Well, if this is the case you are in luck because there are companies, which will buy your structured settlement for a discounted price?

This is similar to factoring which is used in businesses, which need to maintain their cash flows. They can sell accounts receivables to another company as an investment and get the money that is owed to them in advance. For instance let’s say a company, which does janitorial services for a government agency, which are notoriously slow to pay and that government agency owes them $30,000 for services already completed? A factoring company will buy that check which is in the mail so to speak for $25,500 and give the money to the company now. You may say well that is 15% of the $30,000; yes it is, but if a small business does not get the money in time they could go out of business because the government is so slow to pay on their contract. Going out of business is not a good thing and if it happens all the money invested and time to build the business is out the window.

Let us say you have a structured settlement and you cash out of the deal using the same type of company? They will get the structured settlement money each month istead of you, but you will have all the money up front minus a 10-15% discount on the total money you would have received. You can then use this money for whatever you want. Such as investing, buying a house or buying new car, plasma TV and other things humans want to make them happy. You see?

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Looking to sell your settlement or find options? We can help getting you lump sum cash payment for your structured settlement. Just fill out small online form and an specialist will contact you. It's Free !!

A structured settlement is where one party is awarded an amount of money that is to be paid out over a certain period of time. This is most commonly as a result of insurance or injury settlement. The judge/court awards the settlement and the receiving party knows that they will be getting X dollars per month for Y months.

However, people don’t want to receive money over a period of time. They want the money Now. They can make better use of the lump sum cash available now for important tasks at hand at present.For example, buy a new home, start own business, pay for kids college education etc.

This is where the investment companies come into picture. They would buy someones structured settlement payments for a lump sum cash. For example, Mr. Z is awarded a $600,000 settlement from insurance company for an accidental injury. The settlement was to pay Mr. Z $60,000 for per year for 10 years. Mr. Z has an immediate need for $160,000 for new home mortgage payment. Z will be looking to find a company who can pay him cash amount for his periodic payments.

An investment company will try to buy the settlement from Mr Z for $160K and collect the payments from insurance company for the next 10 years.

Is it a bad deal for Mr Z or the investor company?

Well, Mr Z is happy with his $160K lump sum cash amount. the company is happy as they will make about 266% return on initial investment of $160K.

Buying someone’s structured settlement payment is not an easy process. The lawyers, insurance companies and judges are involved in the process to make the decision. But it is very common and there are companies who will help you find all the resources you need to sell / buy settlements.

Looking to sell your settlement or find options? We can help getting you lump sum cash payment for your structured settlement. Just fill out small online form and an specialist will contact you. It's Free !!