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Cash For Structured Settlements : How To Sell Your Structured Settlement.

CASH FOR STRUCTURED SETTLEMENTS ; HOW TO SELL YOUR STRUCTURED SETTLEMENT.

Do you know that your structured settlements enables you to get cash when you need it, enables you to make purchases you need, enables you to take control of finances and create financial freedom?

When you first received your structured settlement, getting regularly scheduled payments seemed like a pretty good deal. You had money to pay your bills, always knew when that next check would arrive. They were comfortably predictable. But maybe your situation has changed and things are a bit different now.

In life, the only thing you can really count on is change. Your life today isn’t the same as it was even a year ago, so why are your finances restricted by the same structured settlement payments from a different time in your life?

No one understands your financial situation better than you do, but here’s just a few reasons some previous customers wanted to sell their structured settlement payments:

• Paying off college loans or other debt
• Medical expenses
• A down payment on their dream home
• Money to start their own business

You have goals and dreams you want to make a reality, but maybe those regular payments can start feeling restrictive and might be holding you back from what you want to do. Maybe it’s going back to school, starting your own business, or putting a down payment on a home. The full amount of money you have in your structured settlement would go a long way in helping you achieve those, but not if you only get your money in those small scheduled payments.

You have a structured settlement, but you need cash now.

That sounds like something we might be able to help you with.

More than 25 years ago, J.G. Wentworth began providing customers with lump sums in exchange for their future payments. Since then, we’ve purchased more than $2.9 billion of future payments, making us the largest purchaser of structured settlements in the United States.

J.G. Wentworth’s extensive experience in purchasing structured settlement payments means that we can get you your money as soon as possible. We’re committed to offering industry-leading customer service, which is why we’re proud of our A+ rating from the Better Business Bureau.

How Much Can I Get?

Depending on the details of your settlement, you might be able to sell some or all of your future payments for a cash lump sum. When you speak to one of our representatives, they’ll let you know how much of your structured settlement payments you’ll have to sell to get the cash you need.

How much you get for your payments depends on the terms of your structured settlement and the determined payment schedule. You won’t be able to exchange those future payments today for their face value because the value of money changes over time. This is due to something known as the Net Present Value, or NPV for short.

Unless you spend a lot of time thinking about investments and financial markets, you might find the idea of Net Present Value a little confusing, so we tried to explain it for you in this video:

We have more than 25 years of experience in purchasing these future payments and our representatives take pride in helping you get the largest lump sum for your structured settlement payments.

What Payments Can I Sell?

Many people think that if you choose to sell your structured settlement payments, you have to sell them all. While some do make the decision to do this, most people find that they only need to sell some of their future payments to get the lump sum they need.

When you speak to one of our representatives, we’ll try to give you a few options for how to sell your future payments to us. You can then choose the option that makes the most sense for your situation.

Sell a Limited Number of Payments

Depending on how much cash you need, you may be able to sell a limited number of payments to get your lump sum. How this option works is that you’ll sell payments that you’d be scheduled to receive over a specified period of time in exchange for a lump sum. All your other payments outside of that set period will remain the same.

Sell A Portion of Every Payment

If you don’t like the idea of having your structured settlement payments end early, you can choose to sell a portion of each payment instead. If you choose this option, you’ll end up getting a little less on each settlement check, however you’ll still receive something in regular settlement payments.

If you want a larger lump sum, you might have the option of selling your entire structured settlement payment stream. You’ll stop receiving regular payments completely, but you’ll have more cash to work with after completing your sale.

Every sale is unique, and what option works best for you depends on how much cash you need now, what your payments look like, and what makes sense for your personal budget and situation. To learn more about the options you have for selling your structured settlement payments, you can read more about it , or give us a call and we’ll try to give you the answers you need.

How To Get Cash For Your Structured Settlement Payments

Before making the decision to sell your structured settlement payments, it’s important to think about how this will impact your finances. Right now, you budget based on receiving regular payments from your settlement, which after you receive your lump sum these payments may be reduced or gone altogether, so it’s important to plan accordingly.

Before making any decision, you may want to consult your financial advisor in order to understand exactly what selling your future payments would do for your budget. When you’re ready to know what your options for selling are, give us a call.

Contact a J.G. Wentworth Representative

After you fill out the online form or call our toll-free number, we’ll put you in contact with an experienced J.G. Wentworth representative. They’ll ask about your structured settlement and how much you’re looking to get as a lump sum.

Once your representative understands your settlement and how much money you need, they’ll offer you a few options for how we can help you get that cash. We’ll give you the details about each deal so you can review them and make the best decision for your unique situation.

There is no obligation to accept any offer if you decide you would prefer to keep your payments. This is a major decision, and one that you should only make with as much information as possible, which is why we’ll always give you a free quote, no strings attached.

We Take Care of the Paperwork for You

If you look over your options and decide selling your payments is the best choice, you’ll need to send us a copy of your structured settlement agreement, as well as a few other documents we’ll need for court. Selling your structured settlement payments usually requires a lot of legal paperwork.

Your J.G. Wentworth representative will let you know everything we’ll need from you for the process. If you can’t find some of the paperwork, don’t worry, your representative will walk you through the process of obtaining it and assist you in any way that they can.

Once we have all of the required documentation we will file a petition for the transfer of your structured settlement payments with the appropriate court.

A Judge Approves the Sale

All structured settlement payment sales must go before a judge. Structured settlements are awarded after a lawsuit or injury claim is settled. It is required that if you wish to sell your payments, the sale must be determined by a judge to be in your best interest.

This is an important step, but one that J.G. Wentworth makes easier thanks to our familiarity with the laws and 25 years of experience to draw on.

You Get Your Cash

Once the sale is approved, you get your lump sum. In many cases, you’ll have the money in your account or a check in hand in as little as three business days after the approval to purchase your future payments has been received.

After that, you’re free to spend the money per your needs. No extra paperwork, just your own cold hard cash available now, instead of locked up in payments far in the future.

We’re Here if You Need Money Later

If you didn’t sell all your structured settlement payments, you’ll continue to receive those you have remaining at the same schedule you did prior to the sale. However, what if you need another lump sum? It’s still your money, after all.

If you’ve already sold a portion of your structured settlement you may still have the option to sell part or all your remaining payments. We’ll be happy to give you your options, even if we weren’t the ones who purchased your structured settlement payments during that first sale.

It’s Your Money: Use It When You Need It

At J.G. Wentworth, we believe that everyone should have the opportunity to access their money, when they need it, since no one understands your finances better than you do. For more than 25 years, we’ve helped customers meet their needs . If you have a settlement, but you need to access that cash now, give us a call and we’ll let you know how we can get you your lump sum.

Get A Free Quote

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REAL INTERNET INCOME.: REAL INTERNET INCOME.: Online Payday Loans.

REAL INTERNET INCOME.: REAL INTERNET INCOME.: Online Payday Loans.: REAL INTERNET INCOME.: Online Payday Loans. : ONLINE PAYDAY LOANS . Payday loans are  short-term loans  that are often used to get through...

REAL INTERNET INCOME.: Online Payday Loans.

REAL INTERNET INCOME.: Online Payday Loans.: ONLINE PAYDAY LOANS . Payday loans are  short-term loans  that are often used to get through a rough spot. Unfortunately, there are very f...

REAL INTERNET INCOME.: Online Payday Loans.

REAL INTERNET INCOME.: Online Payday Loans.: ONLINE PAYDAY LOANS . Payday loans are  short-term loans  that are often used to get through a rough spot. Unfortunately, there are very f...

Online Payday Loans.

ONLINE PAYDAY LOANS.

Payday loans are short-term loans that are often used to get through a rough spot. Unfortunately, there are very few situations in which these loans actually end up being helpful. Before you use one, make sure you understand the costs and risks. This page gives you a quick overview of how payday loans work, and ideas on how to avoid them.

What are Payday Loans?

Payday loans are small loans you can use when you are temporarily out of money.

Most often, payday loans are short-term loans (two weeks or so) for a modest amount of money (a few hundred bucks). To get a payday loan, you typically write a check for the amount you are borrowing – plus a fee. You might leave the check with the lender, and they cash it once you are ready to repay.

If you can’t repay your payday loan when it comes due, you can sometimes “roll it over” so that the loan is extended. You don’t have to repay it, but fees keep accumulating. Some states regulate rollovers -- either outlawing them or limiting the number of times you can renew.

Payday loans are sometimes marketed as "no credit check" loans. You don't need good credit scores (or any credit history), and getting "approved" is easy relative to more traditional loans. As a result, they are popular with people facing financial difficulty.

Costs of Payday Loans

In general, payday loans are extremely expensive.

You end up paying an annual percentage rate (APR) that may be several hundred percent. For example, you might pay a $20 fee to borrow $100.00 for two weeks. The Consumer Federation of America has some nice calculations comparing payday loans to the alternatives. These show that you would pay about 426% APR on a payday loan, but paying an APR above 1000% is not unheard of.

Payday Loan Pitfalls

The main pitfall with payday loans is their cost. Due to extremely high fees, they don’t help you solve the real problem. If you’re having financial difficulties, payday loans can only make things worse. You’re paying a really high rate of interest which means that your expenses are just going up. As a short term strategy – maybe once or twice in your life, if that – payday loans can get you through a rough patch. For example, you might need an emergency repair for your car so that you can get to work and keep earning income. As a long-term strategy, payday loans will pull you under.

You can get yourself in trouble if things get out of hand. Bouncing checks that you write to the payday loan establishment can end up on your ChexSystems file and result in overdraft charges from your bank. Banks and retailers may then be unwilling to work with you. The lender may also sue you or send your account to collections, which will ding up your credit.

• Credit Score Basics

If you keep stretching out payday loans, you'll pay far more in interest and fees than you ever borrowed in the first place.

To avoid that problem, learn how to get out of payday loan debt forever.

What About Bank Payday Loans?

Banks have moved into the payday loan industry, most likely in order to earn more revenue. While traditional bank loans (loans that you have to qualify for based on your credit, income, and assets) can be a better alternative, bank payday loans are no better than any other payday loan. They may go by a variety of names, but they’re still expensive and risky.

In fact, payday loans from banks can be even worse than the loans you get at a payday loan store. Why? The bank has access to your checking account, and you agree to let them pull funds from your account to repay the loan. If they want their money (but you still need to make mortgage or car payments) they’ll take it as soon as it's available – before you have the chance to spend it on other important things. When you borrow elsewhere, you might have more control over how and when your money leaves.

This doesn’t mean you should never use a payday loan at the bank; using one of these loans is risky no matter where you get it, and it’s possible that your bank can offer better terms.

Alternatives to Payday Loans

Instead of using a payday loan, consider some alternatives:

• Build up an emergency cash fund in your savings account (sometimes easier said than done)
• Build credit so you can borrow from mainstream lenders (in moderation)
• Keep an open credit card for emergency expenses
• Get a signature loan (or unsecured loan) from your bank or credit union
• Pick up a part-time job for extra cash
• Negotiate a payment plan with your lenders (ask about loan modification)
• Investigate overdraft protection plans for your checking account
• Try peer to peer lending services for a better deal

Are Payday Loans Safe?

These loans can easily turn into an expensive nightmare. If you borrow from a storefront payday loan outfit, your physical safety is probably not at risk in the same way it might be if you borrow from loan sharks. Most mainstream lenders will simply add on fees, contact you to try and collect, and eventually bring legal action against you if you don't pay. The loans are financially dangerous.

Applying for payday loans online is also risky. You never know who you're handing your information to, and some websites have no intention of lending you money. They might be gathering information to sell to other lenders (which means you'll be flooded with calls and offers - which might not be as great as it sounds), or they might be looking for personal information that can be used for identity theft. Especially if you're asked to pay a fee up-front, you might be getting involved in a plain old scam.

Defending Payday Loans

The payday loan industry is not shy about defending itself. They argue that payday loans can be less expensive than bounced check fees and overdraft protection programs. In addition, they argue that payday loans are the best quick and easy way for some people to get money.

How to raise your credit score fast.