Who is the Best Structured Settlement Buyer? If you've received a structured settlement from a legal case or insurance claim but need access to those funds now, you're not the first. A structured settlement provides guaranteed periodic payments, often from a personal injury case, workers' compensation claim, or similar settlement.
Best Option
Looking for a structured settlement buyer who won't bombard you with sales calls or hide their rates? Fairfield Funding stands out for putting education before pressure, maintaining transparent discount rates of 8-13%, and making a clear "no spam" promise. They're one of the few companies actually encouraging customers to consult financial advisors and consider alternatives before selling, which is why they're at the top of our list.
They put education first, not sales pressure
Fairfield Funding's website checks all of our boxes. They thoroughly explain structured settlements, their benefits, and even list alternatives to selling. Their first piece of advice? "Consult with financial and legal advisors to decide if selling fits your situation."
Court approval process gets the spotlight it deserves
Unlike some structured settlement buyers who gloss over legal requirements, Fairfield Funding dedicates significant space to explaining the court approval process. They emphasize that "you absolutely must obtain court approval" and detail how judges evaluate factors like your financial stability, health, and impact on dependents. There's no attempt to circumvent or minimize this crucial consumer protection step.
No distracting bonuses, just transparent rates
This structured settlement buyer also deserves credit for avoiding gimmicky bonuses or "best price guarantees." While they previously offered a $500 referral bonus, they appear to have discontinued it - a move we actually respect, since referral bonuses can incentivize people to push friends and family into less-than-ideal contracts. Instead, Fairfield Funding focuses on what matters: their discount rates.
Industry-leading discount rates that speak for themselves
Speaking of rates, Fairfield Funding offers discount rates between 8-13%, which they claim are "much lower than industry averages." While we always recommend shopping around, these rates are genuinely competitive among structured settlement buyers. The transparency about their rate range is refreshing - most companies won't disclose their rates until they have you about to sign papers. (And there's usually a reason for that.)
Customer reviews paint a positive picture
Fairfield Funding holds an "A+" from the Better Business Bureau, but there were no complaints or reviews on their page. We did manage to find customer reviews on other platforms, and luckily, they're nearly all positive. The most recent customer reviews (from 2021) consistently praise this structured settlement buyer for professional service. One Georgia resident even visited their office in person and confirmed the team was "just as nice in person as all the reviews say." That's nice, but what we appreciate even more is that multiple reviewers mentioned doing extensive comparison shopping before ultimately choosing Fairfield Funding for their competitive rates.
They won't spam you
Unlike many structured settlement buyers who blast potential customers with calls and emails, Fairfield Funding makes a clear promise: you'll receive just one email with your free quote and details. They explicitly state "We will never spam you or use automated calls/texts" and allow unsubscribing at any time. This respect for your privacy and restraint is rare in the industry - one reviewer even praised them as "the only company that doesn't drive me crazy" with repeated contact. Fairfield Funding's approach appears to be consultative rather than pushy - a welcome sight in the realm of structured settlement buyers.
A great choice
Fairfield Funding is one of the most trustworthy structured settlement buyers we've reviewed. Their transparent 8-13% discount rates, clear "no spam" promise, and robust educational resources show a refreshing commitment to putting customers first. If you're considering selling your structured settlement, Fairfield Funding should be at the top of your list - just be sure to comparison shop and consult with financial advisors first, as they themselves recommend.
Great
Founded in 2009, CBC Settlement Funding stands out from the structured settlement buyer crowd for their ethical stances and the quality of the information they provide. That said, they still play a bit coy with their rates, making you pick up the phone to get the real numbers.
Clear about the process and its implications
CBC Settlement Funding maintains a clean, professional website with genuinely helpful information rather than manipulation. CBC excels at explaining both the benefits and drawbacks of selling your structured settlement. They clearly outline the court approval process, the finality of the decision, and the various factors that affect settlement value. Their educational materials cover everything from tax implications to state-specific consumer protection laws, helping you make an informed decision rather than a rushed one. We always look for upfront statements that it's best to consult with attorneys and financial advisors before making any decisions, and CBC satisfies this requirement. They even state they'll decline to purchase your settlement if they believe it's not in your best interest.
They push you to pick up the phone
However, we were disappointed to find that CBC's online "calculator" isn't actually functional - it's just a lead generation tool that directs you to contact their sales team. While they claim to offer competitive rates, you won't find any actual pricing information until you get on the phone with a representative. This lack of transparency is frustrating, but not uncommon in this industry. Very few structured settlement buyers list their rates upfront.
Decent marks on paper, but watch for warning signs
CBC Settlement Funding maintains an "A+" BBB rating and accreditation, with only five complaints in the past three years - a relatively clean record for a structured settlement buyer. Their 3.8-star average from 50 third-party reviews isn't stellar but suggests general customer satisfaction. When complaints do arise, they typically involve payment delays or miscommunication about advances, which the company generally addresses (though one customer noted having to fight for a promised $1,000 advance).
Representatives who remember you're human
Customer reviews consistently praise CBC's representatives for their personal touch. Names like Tim, Gary, and James pop up repeatedly, with customers appreciating how these reps treat them "like a friend or just simply human." While it's worth noting that most positive reviews focus more on staff personality than actual rates - which could be a yellow flag, as a charismatic conman is more successful than a rude one - the reviews suggest you're dealing with dedicated representatives rather than a revolving door of call center agents. Former employees on Glassdoor describe the staff as "understanding and knowledgeable," with no mentions of high-pressure sales tactics.
A mixed bag of experiences
Not everyone's experience is rosy. One frustrated customer reported that CBC retracted a competitive offer once they requested it in writing, then ghosted them after being confronted with email evidence. The same reviewer mentioned aggressive follow-up contact - a complaint that surfaces occasionally about this structured settlement buyer. While most customers praise the company's professionalism, these scattered red flags suggest you should document everything in writing and be prepared to stand your ground if needed.
CBC takes second
CBC Settlement Funding has earned our second-place ranking among structured settlement buyers - and with good reason. While they keep their legal record cleaner than most competitors and offer genuinely helpful educational content, they're not quite perfect. Their representatives consistently earn praise for treating customers like actual humans (imagine that!), but we'd feel more confident if their glowing reviews focused less on personality and more on competitive rates. And speaking of rates, they really should list them upfront instead of making you dial in. Still, they're a reputable choice in an industry where that's not always a given.
Very Good
Peachtree Financial has been in the structured settlement buying business for 29 years and made a name for themselves helping Hurricane Katrina victims access their settlement funds in 2005. While they've earned numerous legal industry awards and maintain an "A+" BBB rating, they've been owned by JG Wentworth since 2011 - which typically means more aggressive sales tactics and less favorable terms for customers.
A professional but less helpful website than before
Peachtree Financial's website maintains a professional appearance without gimmicks or high-pressure tactics, but they've actually removed some of their most helpful educational content. While they still outline a basic six-step process for selling structured settlement payments, their previously extensive guide detailing each stage of the process can now only be found through internet archive services. (When a structured settlement buyer removes educational content, it's often a sign that there's something they prefer you didn't know.)
Light on details, heavy on sales funneling
Peachtree's website now primarily focuses on getting visitors to schedule a quote call rather than providing detailed information upfront. They mention court approval requirements and the option to sell partial payments, but they don't strongly emphasize the importance of independent legal counsel. In fact, their FAQ frames hiring a lawyer as an optional hassle, stating you "only need to" hire one if required by your state or if you want independent advice.
Missing critical information about rates and long-term impact
While Peachtree acknowledges concepts like the "time value of money," they don't provide concrete rate ranges or encourage comparison shopping with other structured settlement buyers. They also don't clearly explain how selling payments affects your long-term financial situation. The focus instead remains on immediate benefits like debt payment and home purchases, without fully addressing the permanent nature of the transaction, or what you're passing up by cashing in now.
No signing bonus, and that's probably a good thing
Peachtree Financial doesn't offer signing bonuses or "best price guarantees" - and we're glad to see that. When structured settlement buyers dangle promotions like "$500 signing bonuses" or "price matching," it's often a distraction from less favorable terms. (Think about it: if a company truly offered the best rates, why would they need to match competitors?) The sale of structured settlement payments typically involves significant sums of money, so focusing on a reputable buyer who encourages independent legal counsel is far more important than chasing a small bonus that might cost you more in the long run.
Solid reputation with BBB but mixed consumer feedback
Peachtree Financial has been an accredited structured settlement buyer with the Better Business Bureau since 2017 and maintains an "A+" grade. While we found some customer complaints about receiving unwanted promotional mailings (typical in this industry), Peachtree appears responsive in removing people from their mailing lists when requested - customers marked these complaints as "resolved". Overall, there have been no major red flags raised by their customers through the BBB.
Okay to proceed, but do your homework
We think Peachtree Financial maintains decent business practices and measured communication with customers, and we would recommend pursuing a quote. However, be on the lookout for some industry tricks. When comparing rates between Peachtree and other JG Wentworth subsidiaries, you might hear they can't beat Peachtree's "amazing" offer - but of course they can't, since the money flows to the same parent company either way. Smart structured settlement sellers should cast a wide net, including truly independent buyers who might offer better terms. In other words, Peachtree is a good choice, but shop around first.
Average
Founded in 1994 as a lottery payment purchaser, Strategic Capital has evolved into a structured settlement buyer that places an emphasis on responsible selling. Their measured, low-pressure style is refreshing in an industry often known for aggressive sales tactics.
Strong education with a focus on responsible selling
Strategic Capital seems to take financial education seriously. The blog posts on their website go beyond sales pitches, offering detailed guides about the pros and cons of selling payments. They explicitly encourage getting quotes from at least 3 companies and consulting with financial advisors or lawyers before making a decision. Through an educational quiz and checklist, they emphasize the importance of understanding the long-term implications of selling structured settlement payments.
Clear process with minimal pressure tactics
Furthermore, their blog post "Guide to Responsible Selling" openly acknowledges that selling payments isn't always the best solution, stating "In other instances, though, we caution against selling payments... because parting with the stability of this income stream is often not in the person's best interest." Strategic Capital also maintains transparency about their court approval process and doesn't try to discourage legal representation.
Professional but somewhat outdated online presence
While Strategic Capital's website maintains a polished appearance that is appropriate for the subject matter, and while their content reflects sound financial advice, we do think that their online presence feels a bit neglected. Their blog hasn't been updated since mid-2024, the quiz we mentioned earlier is no longer interactive, and their customer review presence is surprisingly thin - just 9 Trustpilot reviews, most from a single week five years ago, and scant mentions anywhere else on the internet.
Past employee reviews are good, though
However, positive testimonials from trial lawyer associations and solid Glassdoor reviews from former employees (4.7 stars) suggest they operate with integrity behind the scenes. Strategic Capital also has an "A+" from the Better Business Bureau (though that's easy to achieve when they have zero customer reviews or complaints there).
Good, but we're not sure if they're home right now
While Strategic Capital's educational information checks all of our boxes, and we enjoyed a break from being subjected to intrusive pop-ups and aggressive sales tactics, this structured settlement buyer is just a little less visible online than we are comfortable with. Until more current customer reviews appear, we can't give them a higher rating.
Fair
Based in Florida, Novation Settlement Solutions has limited online presence. Their website consists of only a single page.
A bare-bones website with mixed messages
Novation Settlement Solutions' single-page website offers only basic information about structured settlements, describing them simply as tax-free payments that "provide long-term financial stability." (Yes, but not if you sell those payments to a structured settlement buyer.) They don't explain the serious implications of selling or encourage consulting with financial advisors. Their messaging is inconsistent too - they promise both "money in your hands within days, not weeks" and a 60-90 day timeline, leaving you wondering which is true.
High-pressure tactics and concerning history
Novation Settlement Solutions uses classic pressure tactics, emphasizing "fast cash" and pushing you toward instant quotes and sales calls. They tout a "97% success rate in court approvals" while glossing over the permanent nature of selling your settlement. There's no mention of their rates or encouragement to compare offers - which is typical for this industry, but we still aren't happy to see it.
Limited online reviews
More concerning is Novation's history - a 2018 case documented them attempting to block a client from getting a better deal elsewhere, directly contradicting their claims that they'll give you the "maximum payout". Former employee reviews describe "shady and dishonest methods" after a hedge fund takeover. And, despite an "A" rating from the Better Business Bureau, they have a minimal online presence. We found just two third-party customer reviews since 2019, and neither are particularly detailed or compelling.
Not recommended
There's nothing that significantly differentiates Novation Settlement Funding from their competitors. We see no compelling reason to choose them over other structured settlement buyers - working with them would be like taking a shot in the dark.
Subpar
Right out of the gate, Houston-based RSL Funding sets themselves up in opposition to the most well-known structured settlement buyer and its subsidiaries. While their information about that competitor's unfair practices are factual (we reviewed them, too), we're not convinced that this defamatory approach implies good business practices for RSL Funding. We'd like to see some evidence that, if they reached their competitor's level of success, they would not also resort to those unethical practices simply because they could.
Their educational content misses the mark in concerning ways
On their website, RSL Funding provides a basic definition of structured settlements and outlines their process, but they notably fail to emphasize the importance of seeking independent legal counsel or fully explain the serious, long-term implications of selling your settlement. Their website focuses heavily on promoting quick cash access rather than helping you make an informed decision - a hallmark of a less-than-trustworthy structured settlement buyer. They provide a list of documents needed but skimp on explaining the court approval process or your rights within it.
High-pressure tactics wrapped in a guarantee
RSL Funding's website immediately funnels visitors toward providing contact information for a quote, and their content repeatedly pushes their "$1,000 guarantee" if they can't beat competitors' offers. While they provide rate comparisons against that prominent competitor, claiming to offer "$7,000 more on average," they don't disclose their actual rate ranges or encourage shopping around. A marketing approach that relies heavily on positioning themselves against competitors rather than being transparent about their own practices is one that suggests problems behind closed doors.
The Better Business Bureau has serious concerns about RSL Funding
Here's something else that should make you pause: RSL Funding currently has an "F" rating from the Better Business Bureau. Why? They've been caught using the BBB's name and trademarks without authorization on their website, falsely claiming to be BBB-accredited. The Bureau has even had to seek legal assistance to protect their trademark. And those "recent reviews" RSL Funding showcases on their website? They're clearly timestamped 2018-2019, and RSL has zero presence on any major third-party review platforms.
Recent customer experiences raise major red flags
We found only a few customer reviews about RSL Funding dated within the past 2 years. These customers report that RSL Funding has become essentially unreachable, with non-working phone numbers and unresponsive email support. Even more concerning, there are allegations of the company taking unauthorized payments from customers.
Stay away from this troubled structured settlement buyer
RSL Funding raises serious red flags at every turn. From their "F" rating with the BBB for unauthorized trademark use, to their concerning customer complaints about unreachable support and unauthorized payments paint, we begin to see a clear picture of an untrustworthy structured settlement buyer. Our recommendation? Look elsewhere.
Subpar
Founded in 2007 and based in Delray Beach, Florida, DRB Capital (named after their location) is a structured settlement purchasing company we'd suggest you avoid. Here's why.
DRB Capital doesn't want you to seek professional advice
We don't appreciate DRB Capital's pushiness when it comes to calling for a quote. There are persistent pop-ups and ubiquitous prompts for "free quotes" designed to wear you down. Furthermore, DRB Capital's website falls short of our standards for transparency. In their explanation of the structured settlement sales process, they position "contact DRB Capital" as the first step in selling - rather than consulting with a financial advisor. Their lengthy disclaimer states they don't provide professional financial advice, but given that they do indeed offer financial guidance and education in multiple places on their website, this is obviously just legal protection so they can't be held accountable for misleading their customers.
They aren't honest about the downsides
It also makes us uneasy that DRB Capital tries to make selling your structured settlement sound like a breeze, throwing around phrases like "fast cash" and "easy process." (Spoiler alert: selling a structured settlement is neither.) As any structured settlement expert would point out, when a buyer downplays the significance of this financial decision - which can impact your finances for decades - it's a pretty big red flag. A trustworthy structured settlement buyer should emphasize the gravity of the decision, not brush it off as a simple transaction.
Pushy marketing tactics raise red flags
DRB Capital's aggressive marketing practices are concerning for a structured settlement buyer. Former customers report being bombarded with mail solicitations (one received 44 in just three months), deceptive "stimulus checks," and persistent calls even after requesting to be removed from contact lists. They've even been known to track down people through old addresses, which feels more like harassment than legitimate business practices.
Misleading information and questionable practices
This structured settlement buyer also has a history of publishing misleading information - in 2016, DRB Capital was allegedly involved in the distribution of incorrect Medicare advice on national news, seemingly to push people toward selling their structured settlements. Their Trustpilot reviews (4.8 stars averaged from fewer than 100 reviews) focus suspiciously on how "friendly" their representatives are rather than on actual deal terms. (Remember, it's in the best interest of a conman to make you think he's your friend.) Plus, they display a Google review rating with a high customer average on their website, but mysteriously, their actual Google review page is nowhere to be found.
Inside perspective raises more concerns
Former employees paint a troubling picture on Glassdoor, describing an operation that feels more like a high-pressure call center than a financial services firm. They mention an outdated database, cold-calling quotas, and unnamed but concerning business practices that one employee suspected might attract regulatory attention. That former employee suggested that DRB Capital might be operating a scheme to exploit tax code loopholes - not exactly what you want to hear about a structured settlement buyer handling your financial future.
Our recommendation: Avoid
With numerous complaints about aggressive marketing, misleading practices, and questionable business ethics, we cannot recommend DRB Capital. Their behavior suggests they prioritize their profits over their clients' financial wellbeing. Anyone considering selling their structured settlement should look for a more transparent and ethical company.
Weak
Liberty Settlement Funding is a Fort Lauderdale-based buyer that wraps aggressive tactics and questionable practices in patriotic messaging. Their track record includes predatory marketing and some deeply troubling past incidents.
They pretend to be your revolutionary liberator (but they're not)
Liberty Settlement Funding's website is slick but manipulative, wrapping predatory tactics in patriotic imagery. They frame structured settlements as oppressive chains holding you back, with slogans like "Demand Liberty" and talk of "financial freedom." While they do explain the basics of selling settlements, they conspicuously avoid mentioning rates or encouraging comparison shopping. Instead, they funnel visitors straight into automated phone and text marketing with aggressive consent language buried in their forms.
Misleading claims about the "decreasing value" of your payments
This structured settlement buyer tries to convince you that your payments are losing value "over time," suggesting you're better off taking their lump sum. But here's the thing - even if inflation affects your payments, you'd lose far more in their fees and discounts than you'd ever lose to inflation. They don't encourage consulting financial advisors or attorneys, and their website obscures the permanence of selling your structured settlement (and of ending up on their mailing list).
Don't let the BBB rating fool you
While Liberty Settlement Funding has an "A+" Better Business Bureau grade, we think it's only because their listing shows very little activity, and because they resolve the complaints they do receive there with lip service. What are the complaints about? This structured settlement buyer is notorious for their aggressive direct mail campaigns that deliberately disguise themselves as urgent notices or missed deliveries.
A concerning track record of predatory behavior
But their questionable practices don't stop at marketing - a 2019 lawsuit alleged they targeted a vulnerable young woman with schizophrenia, bought her settlement for pennies on the dollar, facilitated a dubious "investment" scheme that cost her hundreds of thousands of her remaining dollars, and even sequestered her in Florida to prevent competitor contact. (Yes, you read that right - they allegedly flew her to Florida and kept her there until her settlement sale was finalized.)
The bottom line on Liberty: run away
Given the predatory marketing tactics and downright bizarre legal history, we cannot recommend Liberty as a structured settlement buyer. The combination of aggressive spam mailings, deliberately misleading advertising, and alleged exploitation of vulnerable clients suggests a company more focused on quick profits than ethical business practices. You'd be wise to explore other options for selling your structured settlement.
Weak
You probably know JG Wentworth from their impossibly catchy TV jingles - they're the structured settlement buyer who made "877-CASH-NOW" a cultural touchstone. While their marketing prowess is undeniable (just try getting that tune out of your head), our deep dive into their practices revealed some serious concerns. From deceptive calculator tools that may shortchange customers to aggressive sales tactics once you're under contract, this long-standing player in the settlement industry seems more focused on acquiring customers than serving them.
Website misrepresents structured settlements in concerning ways
JG Wentworth's website presents structured settlements as unfairly keeping your money out of your hands while downplaying the long-term financial impact of selling. Their FAQ section frames selling settlements as a wise solution to emergency expenses, citing that "only 44% of Americans can afford to pay for a $1,000 emergency with just their savings." While they technically mention you can sell "part or all" of your settlement, they don't adequately explain the severity and finality of the sale, nor do they encourage consulting with independent financial advisors first. We consider this to be a major transparency issue.
Their calculator may be a tool to rip you off
The first thing you see when you land on the "Structured Settlements" page is a "how much do you need" calculator where you enter a value between $5K and $100K+. However, we dislike the wording of this question - if it's "[your] money and [you] want it now," as their jingle claims, why does it matter what you "need" of your own money? If you're in the position to be receiving a structured settlement in the first place, chances are, you need all of it - you're not approaching JG Wentworth to ask them for $20 of their money so you can go to the mall with your friends, you're offering to enrich them at the cost of your future financial stability. It isn't clearly explained whether this calculator is for indicating you'd like to sell just a portion of your settlement (such as a few installments totaling $20K) or if they'll use your stated amount to determine their cut of your entire settlement value. Based on customer reviews, it appears to be the latter. One customer reported losing nearly $35,000 of their $70,176 settlement value after receiving unclear answers about the total payout amount until just before their court date. That customer wrote, ""And what are the odds that the [received value of $70,176] is EXACTLY what the rep and I discussed my expenses added up to at the very beginning of this whole thing?"
Their signing bonus isn't much of a benefit
JG Wentworth advertises a "best price guarantee" that seems enticing at first glance - they'll either beat any competitor's quote or pay you $1,000 if they can't. But let's think about this logically: if you find a better deal elsewhere, why jump through hoops trying to get JG Wentworth to match it? The $1,000 bonus is far less than what you'd likely lose by accepting what is likely to be a lower overall payout. (Not to mention, if another buyer is offering better terms upfront, that's probably who you want to work with anyway.)
They use fake testimonials to build false trust
Speaking of transparency issues, JG Wentworth's website features a video that's formatted to look like casual advice from a money guru named "Liz" sitting in her living room. She claims to recommend them because "they have years of experience" and are "industry leaders." But this isn't an independent review - it's a commercial with a paid actor on a studio set designed to look like a homey living room. This is a perfect demonstration of how this structured settlement buyer uses deceptive marketing tactics to appeal to your emotions and seem more trustworthy than they are.
Their tactics become aggressive once you're in the system
While JG Wentworth maintains a high average rating on third-party review platforms like Trustpilot, it's important to know that the majority of these reviews are about their other services, like debt consolidation. When we searched for reviews pertaining specifically to their structured settlement services, we saw a concerning picture of high-pressure sales tactics and poor treatment once you're under contract. Multiple customers report being treated dismissively after signing, with some describing "intimidation tactics" from representatives. JG Wentworth has also faced complaints about excessive spam contacts, with customers reporting continued solicitation even after repeatedly asking to be removed from contact lists. While JG Wentworth maintains an "A+" BBB rating, they've accumulated 195 complaints in the last three years, with 88 in the past 12 months alone.
More marketing than merit
While JG Wentworth maintains a polished image through their catchy commercials and "A+" BBB rating, their practice of asking customers what they "need" and then adjusting the settlement value accordingly is particularly predatory - JG Wentworth appears to deliberately target people facing specific expenses like car repairs or medical bills, using their urgent need for an exact amount to obscure the fact that they're giving up far more in long-term value. And, with 195 BBB complaints in three years (88 in the last 12 months alone) and consistent reports of aggressive sales tactics, we can't recommend JG Wentworth as a structured settlement buyer. We think you'd be better off exploring alternatives.
Poor
Stone Street Capital (a secret subsidiary of JG Wentworth) might look friendly on the surface, but don't let that fool you - this structured settlement buyer is far more interested in getting your signature than offering a fair deal. They've been around since 1989, so you'd think experience would lead to trust, but what stands out most is their aggressive, sales-first approach and a history peppered with troubling stories. If you're looking for a structured settlement buyer who'll put your best interests first, you'll want to keep reading before picking up the phone.
A cute but concerning first impression
Stone Street Capital's website tries to be friendly with cartoon cows and casual language, but this approachable veneer masks some concerning practices. While they do provide basic information about structured settlements, their educational content is overshadowed by pushy sales tactics. Their catchphrase "you keep every penny you get from us" is technically true but misleading - it distracts from the fact that you'll be losing a significant portion of your future payments in the deal.
Consulting financial advisors only vaguely suggested
And, although Stone Street Capital technically discloses their use of discount rates (which means paying less than the full value of future payments), they place this crucial information on less prominent parts of their website. If you weren't already informed about structured settlement buyers, you might be led to believe that there's an actual possibility of coming out ahead when entering into a lump sum deal. While they do mention that court approval is required and suggest consulting financial advisors, these important protections feel like afterthoughts compared to their heavy emphasis on quick cash and emotional appeals.
High pressure tactics
We also dislike how aggressively Stone Street Capital's website funnels visitors toward sales calls through multiple "Get My Free Quote" buttons and a prominent phone number. These "free quotes" actually serve as consent forms allowing them to contact you via texts and calls - which you'll definitely want to think twice about. Their BBB page reveals complaints about excessive contact, with one customer reporting "5 to 7 calls a day."
A troubling history of predatory practices
Stone Street Capital has been involved in some seriously questionable dealings, especially involving cash for lottery prizes. Back in the late 90s, they played a role in a high-profile, tragic case involving aggressive pursuit of lottery winner Billy Bob Harrell, who later died by suicide. According to news reports, after Harrell's death, Stone Street Capital's lump sum payout to him mysteriously vanished. This left his family not only grieving his loss but also dealing with financial complications, as they were unable to locate or access the money that Stone Street had supposedly provided. And, in 2015, Stone Street Capital faced legal trouble for allegedly forging documents in a lottery winner's case to purchase more payments than the winner wanted to sell.
Not much to see at the BBB - and what little there is, isn't pretty
While Stone Street Capital has an "A+" grade on the Better Business Bureau, their listing is bereft of positive customer reviews. All we found there were two complaints about missing payments and aggravating sales calls. Elsewhere on the internet, we found just a handful of positive reviews for Stone Street Capital, but these were brief, contained over-the-top praise of sales associates, and offered no details about structured settlement deals.
Pushy tactics + troubling track record = avoid this company
If you're considering Stone Street Capital as your structured settlement buyer, you deserve the straight story: this company is more interested in getting your signature than giving you a fair deal. Their educational content is overshadowed by relentless sales pitches and a website designed to funnel you straight to a sales call. The fine print is easy to miss, especially if you're new to the world of structured settlement buyers. Worse, Stone Street Capital has racked up complaints about aggressive contact, missing payments, and even some shady history involving forged documents and questionable lottery deals. At the end of the day, Stone Street Capital looks much more like a company trying to exploit you than a reputable, trustworthy partner. Our final recommendation: avoid Stone Street Capital and look elsewhere for a structured settlement buyer who puts your interests first.
Continued from above...
If you've received a structured settlement from a legal case or insurance claim but need access to those funds now, you're not the first. A structured settlement provides guaranteed periodic payments, often from a personal injury case, workers' compensation claim, or similar settlement.
While these regular payments offer financial security, life sometimes throws unexpected challenges your way - medical bills, education costs, or a down payment on a home might require immediate access to larger sums of money. Finding a reputable structured settlement buyer could be the solution - but it's crucial to understand both the benefits and risks before making this significant financial decision. It's not all it's cracked up to be by the commercials.
Before you consider selling your structured settlement to a buyer, understand that you're trading future security for immediate cash - and usually at a significant discount. When you sell your payments, you'll typically receive 50-80% of their future value, depending on factors like interest rates and payment schedules. It's essential to carefully evaluate whether the immediate need justifies the long-term financial impact.
Industry standard discount rates - the percentage deducted from your future payments to determine your immediate cash payout - typically range from 9% to 18%, though some buyers may offer rates outside this range. The actual rate you receive depends on various factors including the total value of your settlement, payment schedule, and current market conditions. Be wary of rates significantly higher than 18%, as these could indicate predatory practices. Similarly, extremely low rates that seem "too good to be true" may mask hidden fees or unfavorable terms. Always request a detailed breakdown of how the discount rate is calculated and its impact on your final payout.
The sales process itself requires careful navigation. First, you'll need court approval, required by state laws protecting settlement recipients. Additionally, you'll want to know about the aggressive nature of the structured settlement buying industry. Once you request a quote, your contact information may be shared among multiple buyers - leading to an onslaught of calls and mailings that can continue for years, even if you're on the Do Not Call registry. Be prepared to firmly decline unwanted solicitations and file complaints with the Better Business Bureau if necessary.
When evaluating structured settlement buyers online, consider these crucial factors:
Top Consumer Reviews has evaluated and ranked the most reputable structured settlement buyers available. We hope our research helps you find the best service to meet your immediate financial needs while protecting your long-term interests.
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