DRB Capital Review for February 2021

Item: DRB Capital Review
Rating: 4

Saturday, February 27th

2021 Structured Settlement Buyer Reviews

DRB Capital

BBB Rating: A+, accredited

DRB Capital has come a long way since our previous evaluation. They've put in the work to strengthen their reputation, as demonstrated by a flawless rating and accreditation from the Better Business Bureau. We're always glad to see companies change for the better, and this is a big positive for DRB Capital.

Single representative to guide you

Another plus of using this service is that you'll have a single representative for your entire process. That ensures that you won't have to spend valuable time explaining things over and over again to a new rep every time you call. Instead, you'll know that the person assigned to your case is the only point of contact you'll need, and that they will be well-versed in the state laws governing your payout.

Live chat

Live chat is available Monday through Friday from 9am-5:30pm (EST). You'll find similar availability for their toll-free number. Of course, you can fill out their Quick Cash form anytime to start the process - though you'll still be waiting for regular business hours to hear from a representative.

Eager for your business

DRB Capital is eager for your business. On the Quick Cash form page, look for some perks. For example, at the time of our review, new clients could get a $100 gift card with a phone quote if they provide proof of their structured settlement and contact details. We also found a matching guarantee: if you get an offer from DRB Capital and then secure a better arrangement from one of their competitors, DRB will meet or beat the offer, or give you $50. Finally, they also offer a funding guarantee of $25,000 if you sign their contract and meet all of the conditions and requirements, but your transaction still isn't funded. That shows you how confident they are that they'll be able to deliver what they promise.

Customer compliments

Customers have good things to say about the help they got from DRB Capital. Compliments include friendly, knowledgeable representatives, and getting lump sum payments as quickly as 45 days from the start of the process. Most of the client reviews we saw gave DRB Capital 4 or 5 out of 5 stars.

Could be more upfront

Our major complaint is that this service could do more to explain what their services might include, to give prospective clients a better idea before they even make that phone call or fill out the online form. When we compare their website with their rivals', DRB Capital could offer an FAQ - what documents people will need to gather, expected timeframes, etc. - or give examples of how a structured settlement buyout might be set up. We find much more upfront information on our higher-ranked competitors' sites.

Solid rating

Is DRB Capital a trustworthy place to handle your structured settlement? Yes. We're confident that they'll handle your situation in a way that's personalized to your specific needs. Could you get more upfront information with another service? That's also true, but we still give this service a solid rating because of the progress they've made and their attention to the individual customer.

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Who Can You Trust as the Best Buyer for Your Structured Settlement?

If you've been awarded money as the result of litigation, an accident, or any other legal settlement, you likely receive monthly payments for a set number of years. However, that slow trickle of money doesn't do you much good if you need a larger amount of cash right away.

That's where structured settlement buyers come in. These services get approval to buy the rights to a certain amount of your monthly payments, in exchange for a lump sum payment now.

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Structured Settlement Buyer FAQ

What is a structured settlement?

A structured settlement is usually awarded after an accident or a win in court. Instead of a one-time lump sum payment, the money is distributed monthly for a certain number of years.

I have a structured settlement, but I need the money now. What are my options?

You may want to consider a structured settlement buyer. You sell all or part of your settlement to their company in exchange for a lump sum payment now.

Why do companies want to buy my structured settlement? What's in it for them?

Simple: they make money from it. Most structured settlement buyers/companies levy interest rates on the buyout, which can range from 5-20%. You'll want to get a complete listing of all of the terms and fees before agreeing to sell your structured settlement, especially since some companies are more upfront than others with that information.

Are structured settlement buyers legitimate?

They might sound shady, but structured settlement buyouts are fairly common. It's a win for the client who can't wait months and years for their payments to trickle in, and it's a win for the service that makes money on the transaction.

How do I know which service to use?

Reputation is everything. If you're considering a structured settlement buyout, be sure the company you choose has a solid reputation: find out what previous clients have to say about the process and experience, and definitely see if the Better Business Bureau has given the service a positive rating. You don't want to entrust such a large financial decision to any buyout provider that can't prove their dependability.

Is there any reason I shouldn't consider a structured settlement buyout?

Yes, there are several. First, understand that a settlement buyout will have to be approved by the court. Depending on the circumstances of the settlement, a judge might not give a buyout the green light. Next, if your monthly payments are intended to take care of regular expenses for many years, but you spend a lump sum all at once, you may not have the money you need to pay bills in the future. Another consideration is whether a lump sum payment can disqualify you from receiving Medicaid and SSI benefits. There are other situations where a structured settlement buyout wouldn't be in your best interests; it's worth discussing it with your financial advisor, attorney, or anyone else who can give you an objective assessment of the situation.

How long will it take to get my funds if I choose a buyout?

Many factors impact how quickly you can get the lump sum payment from your structured settlement. Not only does the court have to approve the arrangement, but some states also have mandatory waiting periods to take into account. Your process could last anywhere from 30-90 days, so don't expect to have a check in hand the day after you contact a structured settlement buyer to get more information.

I have questions. How can I get help?

We recommend that you start by browsing the websites of several companies that offer structured settlement buyouts. You'll find plenty of details about how the process works and what to expect, and you may even find answers to your questions before speaking with a representative. Those representatives will be extremely eager to talk with you, which is why it can be helpful to already have done some research before you reach out. Some services have a live chat feature where you can get help too, if you prefer not to make a phone call or fill out an online form.

Continued from above...

Of course, a court will have to approve the terms in order for your structured settlement to be purchased, and it's still critical that you understand all of the particulars before signing on the dotted line. Fortunately, the buyer of the settlement takes on most of the responsibility for doing the legwork: drafting the agreement, getting approval from the court, and setting up the relationship with the payer.

Not all structured settlement buyers are created equal. While there are some that have been in the industry for decades, other opportunistic services seem to pop up overnight, hoping to make an agreement that is more to their benefit than yours. How can you tell which service can be trusted to get you a payout that's fair?

Here are a few criteria you should consider when selecting a structured settlement buyer:

Reputation. The best structured settlement buyers have a longstanding track record of honesty and integrity. Look for a strong rating from the Better Business Bureau, preferably with accreditation as well. Also, find out what previous clients say about their experience when using the service.
Process. Starting with their website, the settlement buyer should have a process that is easy to understand, transparent with respect to fees and timelines, and informative.
Customer Service. How easy is it to get help with your structured settlement buyout? Does the service provide help during regular business hours only, or at other times for those who can't make a phone call during the day? Can you expect representatives that are courteous and knowledgeable?

TopConsumerReviews.com has reviewed and ranked the best structured settlement buyers available today. We hope this information helps you choose the right service to get the funds you need quickly and fairly.

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Select any 2 Structured Settlement Buyers to compare them head to head

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Fairfield Funding

Peachtree Financial

DRB Capital

Stone Street Capital

JG Wentworth

CBC Settlement Funding

RJE Capital

Fairfield Funding vs Peachtree Financial Fairfield Funding vs DRB Capital Fairfield Funding vs Stone Street Capital Fairfield Funding vs JG Wentworth Fairfield Funding vs CBC Settlement Funding Fairfield Funding vs RJE Capital Peachtree Financial vs DRB Capital Peachtree Financial vs Stone Street Capital Peachtree Financial vs JG Wentworth Peachtree Financial vs CBC Settlement Funding Peachtree Financial vs RJE Capital DRB Capital vs Stone Street Capital DRB Capital vs JG Wentworth DRB Capital vs CBC Settlement Funding DRB Capital vs RJE Capital Stone Street Capital vs JG Wentworth Stone Street Capital vs CBC Settlement Funding Stone Street Capital vs RJE Capital JG Wentworth vs CBC Settlement Funding JG Wentworth vs RJE Capital CBC Settlement Funding vs RJE Capital

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DRB Capital Review