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If you currently receive payments from a structured settlement, but would rather have a lump sum cash payment for your personal needs, a structured settlement company can help. They buy your future payments and give you a large cash amount in return.
TopConsumerReviews.com reviews and ranks the best structured settlement companies available today, to help you with your financial decision.

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STRUCTURED SETTLEMENTS

If you currently receive monthly payments from a legal settlement, litigation, or job related accident, you may be eligible to use a structured settlement company to receive a lump sum of cash right now. These companies essentially pay you a large amount of money for the rights to your future monthly payments. The terms of the structured settlement amount require court approval and should be understood thoroughly before a settlement is executed.

A structured settlement company is responsible for creating the agreement, obtaining court approval, and establishing a relationship with the payer. A quality structured settlement company that is well experienced will help get you through the process quickly and with the highest payout.

However, not all structured settlement companies are able to deliver as promised. When choosing a structured settlement company you should consider several factors first:

•  Company Strength.  How long has the structured settlement company been in business? What is the Better Business Bureau rating for that company?

•  Customer Service.  Since you'll be working with them closely, how helpful is the structured settlement company? Are they responsive, courteous and well-informed?

•  Website functionality.  When you're entering into a structured settlement buyout, you'll want a company that provides an informative, professional website to assist you through the process.

TopConsumerReviews.com has reviewed and ranked the best structured settlement providers available today. We hope you find these reviews helpful in finding the best structured settlement payment to meet your financial needs!

 

 

 

 

 

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Stone Street Capital

 

STONE STREET CAPITAL

 

5 Stars

 

BBB Rating:

A+

 

TopConsumerReviews.com 5-star Top Rated Product

You may recognize Stone Street Capital from their "Cash Now from the Cash Cow" commercials. In business since 1989, Stone Street Capital, headquartered in Maryland, is a pioneer of the structured settlement funding service providers. They lead the way in top quality customer service, which is reflected in their A+ Better Business Bureau rating and numerous satisfied clients.

The Stone Street Capital structured settlement website exceeded our expectations in information and education. We were able to browse through a number of helpful articles and information that helped us understand the structured settlement buyer, press releases about Stone Street over the past several years, structured settlement tips, and more.

The process at Stone Street is very straightforward. Here's what you can expect:

•  You first identify how much money you need, and when you'll need it.

•  You call or email Stone Street to discuss your options.

•  Necessary paperwork is overnighted to you for signatures and a notary if you accept their offer.

•  You return the documents back in a pre-paid envelope.

•  Stone Street works with the payer to verify the payments and establishes a court date with an attorney in your local area.

•  Stone Street will send a wire transfer or check upon court approval.

•  Average turnaround is based on the state you reside in, but you can anticipate 45 to 90 days from start to finish.

•  You will work with one Stone Street representative through the entire process.

We found the customer service team to be top notch at this company. The representatives are very informative and offer no pushy sales pitch on why you should choose them. We felt most comfortable dealing with Stone Street Capital and really appreciated their no pressure approach.

In summary, Stone Street Capital provides the highest level of service among structured settlement providers. Their informative website added a lot of value in our search effort. Stone Street offers a long history of strong performance and an excellent BBB rating. If you are looking for a structured settlement company, Stone Street Capital should be your first stop.

 

 

JG Wentworth

 

JG WENTWORTH

 

4 Stars

 

BBB Rating:

A+

 

JG Wentworth has been in business since 1992. They reside in Pennsylvania and currently hold an A+ rating with the Better Business Bureau. JG Wentworth is one of the largest structured settlement companies in business and you may have seen one of their many TV commercials. They have a good overall reputation and their website is informative and provides helpful information.

The process of establishing a structured settlement payment with JG Wentworth includes:

•  Call or submit your request on line to JG Wentworth. A customer service rep will ask that you complete necessary paperwork to move forward.

•  Client returns signed docs to company.

•  Upon receiving the paperwork and analyzing the client's structured settlement JG Wentworth will make a lump sum offer in exchange for a portion or all of the future settlement payments.

•  JG Wentworth sends documents to their attorney to file for court approval.

•  Upon court approval, approximately 4-6 weeks in most states, client receives check.

Our customer service experience was average with the two representatives we encountered at JG Wentworth. The first was unable to answer both of our questions but was friendly. The 2nd seemed rushed and a little pushy. We were disappointed that each time we called JG Wentworth we had to speak to a new contact

Overall, JG Wentworth is a strong company with a good reputation. We would have liked to have seen more knowledgeable customer service representatives. Despite their less customer friendly approach we appreciate the strong reputation at JG Wentworth and find it's worth your time for a quote.

 

 

CBC Settlement Funding

 

CBC SETTLEMENT FUNDING

 

3.5 Stars

 

BBB Rating:

A-

 

Founded in 2004 CBC Settlement Funding is a Pennsylvania based company. They currently hold an A- rating with the Better Business Bureau. CBC is a member of the National Structured Settlements Trade Association and their top executives worked historically for some of the largest structured settlement firms. Since then they've built a well run business with a strong focus on customer service.

The website at CBC Settlement was very informative with state specific regulation information, numerous resources to help you understand CBC Settlement Funding. While in business shorter than those higher ranked the innovative and informative website was the best of the bunch. We appreciated their level of professionalism.

The process of starting a structured settlement payment at CBC Settlement Funding includes:

•  Contact CBC to discuss options.

•  Necessary paperwork is sent for signatures and a notary.

•  Return the documents back to CBC Settlement.

•  CBC works with the insurance company to verify the payments and establish a court date with an attorney in your local area.

•  CBC will expedite a wire transfer or check upon court approval.

•  Stated 3 to 6 week average turn around based on the state you live in.

The customer service team at CBC Settlement was knowledgeable and courteous. We were able to get all of our questions answered in our first call.

If you are looking for a lump sum payment from a structured settlement CBC Settlement Funding is a company worth requesting a quote from.

 

 

Woodbridge Structured Funding

 

WOODBRIDGE STRUCTURED FUNDING

 

3 Stars

 

BBB Rating:

A+

 

A California based company, Woodbridge Structured Funding has been in business since 1993 and currently holds an A+ Better Business Bureau rating. Our first impression of Woodbridge was concerning. We felt their website lacked the professionalism we expected. We saw more of a sales pitch then valuable information. When you're making a decision worth thousands of dollars you don't want to see "free" gimmicks at every corner.

While the Woodbridge process wasn't laid out on the website we were able to identify the standard protocol:

•  Start by calling and talking to a representative.

•  They will evaluate the structured settlement and offer you a quote.

•  If you agree with their quote, they will send via overnight package forms to complete.

•  Once you complete and have notarized the documents you return in their pre-paid overnight envelope.

•  Woodbridge will verify your payments with the insurance company.

•  Once verified they will apply for a court date in your area and hire an attorney. Depending on the state and delays in establishing court dates, most customers can anticipate 45 days for their settlement check.

Customer Service was very good. We spoke with a very knowledgeable customer service representative who was not pushy or in a rush. He answered all of our questions in detail and then provided his direct extension.

Instead of providing an informative website, Woodbridge Structured Funding focuses on driving customers via gimmicks and promises. While we appreciated their strong BBB rating and customer service, we would have liked more information to help make a decision. In the end, Woodbridge is probably worth getting a free structured settlement quote, but don't get hung up on big promises or gas cards.

 

 

Settlement Capital Corporation

 

SETTLEMENT CAPITAL CORPORATION

 

3 Stars

 

BBB Rating:

A+

 

Settlement Capital Corporation is a financing company that provides lump sum payments to recipients of payments from structured settlements. This Dallas based company was formed in 1988 and currently holds an A+ Better Business Bureau rating.

We were instantly unimpressed with the website. For a company that has been in business for over 20 years the website was poorly developed, unprofessional and lacking adequate information. We were also put off by the $200 cash offer for completing an application but when we read the fine print we learned that you must meet very specific qualifications to receive it.

The process at Settlement Capital Funding is pretty standard:

•  Start by calling and talking to a representative.

•  They will evaluate the structured settlement and help you choose a plan.

•  Once you identify the plan they will send necessary contracts for you to sign and have notarized.

•  Once the forms are signed and returned Settlement Cap will verify your payments with the insurance company and work to apply for a court date.

•  The exact settlement length can vary depending on the seller's state and the insurance company but ranges between 45 to 90 days.

•  The seller will receive funds 5 to 10 working days from the time the order is approved.

The customer service representatives that we spoke to were less friendly than those companies higher ranked. We had to draw much of the answers out of the staff and were not as comfortable with their responses.

In summary, Settlement Capital Corporation has a strong BBB rating and years of experience. However, they aren't in tune with today's web surfers or customer service demands.

 

 

Imperial Structured Settlements

 

IMPERIAL STRUCTURED SETTLEMENTS

 

2.5 Stars

 

BBB Rating:

A-

 

Imperial Structured Settlements has been in business since 2007. This Florida based company currently holds an A- rating with the Better Business Bureau. Their website is clean and easy to read without a heavy sales pitch. However, the website lacked some of the factual information we were looking for in our research.

The process is straightforward at Imperial Structured Settlements:

•  Start by calling and talking to a representative.

•  They will evaluate the structured settlement and help you choose an option to fit your needs.

•  Once you identify the settlement they will send necessary contracts for you to sign and have notarized.

•  When the document is signed and returned Settlement Cap will verify your payments with the insurance company and work to apply for a court date.

•  Imperials attempts to make settlement payment in 45 days.

The customer service representative was generally helpful. We had to be put on hold to answer one of our questions and the wait was a few minutes. Otherwise, they were courteous and friendly.

Overall we were concerned with the number of years Imperial has been in business. We were less confident with their ability to manage contracts, legal issues, and funding should something come up. We couldn't find a long list of negative information on Imperial, but we also couldn't find the positive history to tell us this new company would be able to effectively manage a structured settlement buyout. If you are looking for a structured settlement company we recommend you choose someone higher on the list that has more experience.

 

 

Peachtree Settlement Funding

 

PEACHTREE SETTLEMENT FUNDING

 

2 Stars

 

BBB Rating:

No Rating

 

Two things stood out at Peachtree Financial for us, no Better Business Bureau rating and a poor customer service team. Peachtree is a specialty finance company focused on providing cash payments to holders of high quality, but illiquid assets. Peachtree is majority owned by DLJ Merchant Banking and Credit Suisse, a large international bank. This Georgia based company, founded in 1996, failed to impress us despite their size and backing.

With promises of a $50 gift card and a free quote we were instantly skeptical of who Peachtree caters to. The website provided the basic information we were looking for but nothing more.

The process of applying for a structured settlement payment at Peachtree includes:

•  Calling and talking to a representative.

•  Receive a verbal quote.

•  If you agree to the quote Peachtree will send necessary contracts for you to sign and have notarized.

•  Once the forms are returned Peachtree will work to establish a court date and verify your payments with the insurance company.

•  Settlement length varies on the state you reside in, any delays at the insurance company and how long it takes to obtain court approval. However, a typical lump sum payment will take less than 90 days.

•  You may qualify for an immediate cash advance to help you through a particularly tough time.

The customer service at Peachtree was atrocious. We wondered if this was why they had not yet become BBB members. We had discussions with three individuals and quickly learned that you do not receive any designated representative during the process. Therefore, each time you call you're at the mercy of the person answering the phone. We found this very concerning and unacceptable. Peachtree has a long way to come with training customer reps on how to effectively answer questions quickly, answering without an annoyed tone, and identifying representatives that speak clear English.

If you are looking for a structured settlement buyer we recommend you shop around much higher on the list to save yourself frustration and worry.

 

 

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Structured Settlement in the News

Imperial Holdings, Inc. : Structured Settlement Institute: Texas Courts Again Reject Imperial Finance\'s Anti-Competitive Acts - 4-traders (press release)
BOCA RATON, Fla., May 10, 2012 /PRNewswire-USNewswire/ -- Texas courts (1) have once again ruled against Imperial Finance's continued attempts to stifle competition. A Texas court last month rejected for the fifth time Imperial's anti-consumer attempts to ...
Publ.Date : 2012-05-10T15:10:13Z

Structured Settlement Quotes Investigates JG Wentworth Quote Practices - PR Inside
/EINPresswire.com/ Survey conducted by SSQ Structured Settlement Quotes Inc. finds that J.G. Wentworth gives inconsistent and misleading quotes to annuitants. Annuitants calling 877-CASH-NOW did not receive the same offers as those who contact JG Wentworth ...
Publ.Date : 2012-05-09T10:10:46Z

Structured Settlement Institute: Texas Courts Again Reject Imperial Finance\'s Anti-Competitive Acts - Stockhouse
BOCA RATON, Fla., May 10, 2012 /PRNewswire-USNewswire/ -- Texas courts (1) have once again ruled against Imperial Finance's continued attempts to stifle competition.  A Texas court last month rejected for the fifth time Imperial's anti-consumer attempts ...
Publ.Date : 2012-05-10T15:24:32Z

Fairfield Funding Unlocks Income for American?s Everywhere - SBWire
Atlanta, GA -- (SBWIRE) -- 04/25/2012 -- For many American?s, the income they receive as the result of an annuity or a structured settlement is both a blessing and a curse. While the incomes these provide are welcome, they don?t enable their recipients ...
Publ.Date : 2012-04-25T13:54:57Z

Forum National Investments Announces Formal Negotiations With ALIYA LifeSpan LLC - Market Wire
... LLC is a broad based financial asset management firm who specializes in Life Settlements and Life Settlement structured financial products. ALIYA LifesSpan? specializes in utilizing senior life insurance settlement policies, or more ...
Publ.Date : 2012-05-15T23:18:13Z

Can BofA and SocGen undo MBIA\'s restructuring? - Reuters
But the insurer's structured-finance arm, MBIA Insurance, has had to borrow from its better-capitalized municipal bond division, MBIA National, to fund those settlements. Last fall MBIA Insurance took out a $1.1 billion secured loan from MBIA ...
Publ.Date : 2012-05-11T18:50:56Z

 

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