Do you have a structured settlement? The structured settlement cash now guide can help you get a cash payment quote. Find out how to - Cash In a Structured Settlement.

> Free Consultation - Get structured settlement help regarding selling your annuity future payments. HAVE A Structured Settlement Purchaser Factoring Representative Contact YOU, this site will forward your questions & requests to an established finance representative/company.

Structured Settlements are given mostly to lawsuit winners from injury cases. They are in most cases long term payments in the form of an insurance company annuity. Now there are companies like JG Wentworth -old guy, The Blue Cash Cow company, Peachtree settlement funding -dog ( I think everyone in America has seen these TV commercials) and others that help people get lump sums in exchange for these future payments?

I have read many web posts and people opposing this. However, if a person or family is in trouble and needs money, then this would be heaven sent. We are not talking about people that are in good financial standing. The people trading in the future payments for cash now are in desperate need of money. Now as I read the laws on this, a court must approve this cash payment exchange when a factoring company is doing this. If a judge reviews the situation transaction, and finds it is in the best interest of the annuity owner. Then how can this be bad? Yes, I have read that the annuity holder can lose up to 30% of the long-term value of the payments. However, this is inflation right and the cost to borrow money? This is not too different from credit cards, high-risk loans, or title loans. If someone needs money now and does not want or cannot wait for these payments to save up, and an option like this is available then it is their risk. I am sure a judge would not approve a transaction if it were not good for the injury victim.

So why does this transaction have a bad rap..?    If you were in this position, would you consider trading future payments for lump sum of cash?   How different is this from people going to pawnshops and trading in gold or other valuables for cash. There are no judges in any of these other methods to get cash.
If I were very desperate for money, like out of a job, losing my house, car and the million other things that have to be paid then I would consider this option for sure. I would trade my future payments to get $50,000 now. Even if the long term payments would have added up to $70,000 or the like. I don't understand why many opinions are against this?