companies that buy structured settlements

 companies that buy structured settlements

When you mention “purchase structured settlements”, it usually refers to companies or investors who buy structured settlement payment rights from individuals in exchange for a lump sum of cash. Let me break it down for you:

---

🔹 What Is a Structured Settlement?

• A structured settlement is a financial arrangement where someone (often after a personal injury lawsuit, wrongful death case, or insurance claim) receives compensation in regular payments over time instead of one large lump sum.

• Payments can last for years or even a lifetime.

---

🔹 Why Would Someone Sell a Structured Settlement?

People sometimes sell all or part of their future payments to get immediate cash for:

• Paying off debt

• Medical expenses

• Buying a home

• Starting a business

• Handling emergencies

---

🔹 How Does the Purchase Process Work?

1. Consultation – The seller contacts a settlement purchasing company.

2. Offer – The company evaluates the payment schedule and offers a discounted lump sum (less than the total future payout).

3. Court Approval – By law in the U.S., a judge must approve the sale to ensure it’s in the seller’s best interest.

4. Payment – Once approved, the seller gets their lump sum, and the buyer takes over the rights to future payments.

---

🔹 Who Buys Structured Settlements?

Some well-known companies in this industry include:

• J.G. Wentworth

• Peachtree Financial

• Stone Street Capital

• Fairfield Funding

• SenecaOne

These companies are regulated under state and federal law when buying settlements.

---

🔹 Things to Keep in Mind

• Discount Rate: You won’t receive the full value of future payments—buyers apply a discount rate (typically 6–18%).

• Court Approval is mandatory (in most places, especially the U.S.).

• Shop Around: Compare offers from multiple buyers before committing.

• Legal/Financial Advice: It’s strongly recommended to talk with an attorney or financial advisor before selling.

---

👉 Would you like me to create a list of the top companies currently buying structured settlements in 2025 (with their contact info and reviews)? That way, you’ll know the best options available right now.

companies that buy structured settlements

structured settlement purchasing companies

purchase structured settlements

buy structured settlement

jg wentworth annuity purchase program

buy structured settlement annuity