Thursday, May 22nd
2025 Structured Settlement Buyer Reviews
Peachtree Financial
- "A+” with the Better Business Bureau
- Informative and helpful information provided
- Fair and conscientious
- Affiliated with JG Wentworth
With its headquarters located in Pennsylvania, Peachtree Financial has been buying structured settlements since 1996, and is one of the more ethical actors doing so. Where some buyers attempt to rush you through the process and pressure you into a sales call, Peachtree takes the time to provide resources about structured settlements, recommends you find independent legal and financial counsel before selling your settlement, and offers helpful tips on how to do so. While they lose some marks for annoying calling practices, all-in-all Peachtree Financial stands out from the field, and is a good candidate for your consideration while shopping for the best rate in selling part or all of your structured settlement.
JG Wentworth
- "A+” BBB rating
- $1,000 dollar best offer guarantee
- Very well-known option for structured settlement buy-outs
Famous for their ubiquitous commercials promising "Cash now!”, JG Wentworth's media presence somewhat trivializes the seriousness of selling your structured settlement. Further, nowhere on JG Wentworth's website could we find any recommendation that you seek out independent financial advice before selling your structured settlement. When combined with one-sided information about the value of selling a structured settlement, JG Wentworth seems more interested in a quick sale than in servicing a well-informed customer.
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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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