Wednesday, December 11th
2024 Structured Settlement Buyer Reviews
Fairfield Funding
- Informative and frank website
- Best price guarantee or $500 payout
- "A+” Better Business Bureau rating
With a very informative series of resources including everything you need to know about settlement funding (including a series of YouTube videos), Fairfield Funding fulfills two very important factors: informing you about the details of structured settlement sale, and recommending that you hire independent legal counsel. While their $500 best price guarantee is nice, we are more impressed with their informative and ethical resources and their overall lack of customer complaints. In short, when you talk to your financial advisor or attorney, be sure to investigate Fairfield Funding as an excellent potential partner in the sale of all or part of your structured settlement.
RSL Funding
- "Refer a friend” for $500
- Best price guarantee of $1,000
- "A+” from the Better Business Bureau
While RSL Funding goes out of its way to badmouth their competitors, they do little to actually assure potential sellers as to their quality. They also offer little in the way of advice that could protect potential sellers from predatory practices. RSL Funding does offer a $1,000 best price guarantee, and a "refer a friend” program for $500 should they sell their structured settlement. However, RSL Funding's bonuses reveal some business practices that make it a company that we do not recommend.
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The 8 Best Structured Settlement Buyers
What's the Best Structured Settlement Buyer on the Market?
Well, it's a critical question, and one that should be explored with care. Many receive a structured settlement as an annuity paid over a long period of time in compensation for injury or malpractice. While the stable income of a structured settlement can be a necessary key to financial security, many people are often left in a bind when they need money for a sudden expense or emergency, and are unable to procure the collateral for a loan.
That's where structured settlement buyers come in. These companies offer a single lump sum of cash in exchange for your monthly payments, giving you the up-front capital you need to manage a crisis, or make a needed purchase/investment.
Structured Settlement Buyer FAQ
Continued from above...
It almost goes without saying that you should take care when you sell your structured settlement. While there are reputable buyers out there, many companies appear out of nowhere, or engage in less-than-reputable business practices. As the sale of a structured settlement is a major decision, a bit of careful investigation to determine the quality of the buyer can go a long way towards a transaction you'll be happy with.
Typically the sale of a structured settlement requires that you appear in court to talk to a judge in order to determine that you understand the particulars of the sale of your structured settlement, and that the sale is in your best interest. While potentially annoying, your court appearance is a critical step in the process, and something that directly protects you as a consumer.
Before this step, companies are required to advise you in writing that you can hire independent legal counsel to review your sale in court with you. This is strongly recommended, as legal counsel and financial advice can give you power and leverage in your structured settlement sale, making it so you get a better deal, and potentially earning multiple-thousands more from the sale of your settlement. If you sign this away to another person or a company, they may represent their own best interests, rather than yours.
So, which structured settlement buyers are worth your time? As you investigate the options, here are some tips for you to keep in mind:
- Information offered. Look for companies that inform you about their process, and the nitty-gritty details of the sale of structured settlements. Do they explain their process of purchasing structured settlements? Do they have specific recommendations for you as a seller? Oftentimes, the more information a company gives you, the more reputable they are.
- Low-pressure environment. Selling your structured settlement is a big deal, and you should never feel pressured to make a decision before you're ready. You should also not feel like you're being pushed to sell all of a settlement if a partial sale is what you need. Choose a buyer with a reputation for letting clients take the time they need to make whatever decision is best for their situation.
- Client reviews. Look for the testimony of past customers before engaging with a structured settlement buyer. Those who have gone before you can relay whether the company treated them with respect, and speak to the quality of the deal they received.
At Top Consumer Reviews, we want to make sure that our readers are well-equipped to navigate the sometimes murky waters of the structured settlement industry. We've gathered the best companies we could find, and ranked them based on their overall reputation and business practices. As you shop around for the best deal in the sale of your structured settlement, you should feel comfortable using our curated list as a starting point for finding a fair and honest buyer.
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