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.
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.
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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