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      July 5, 2020

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  1. Peachtree Financial
  2. DRB Capital
  3. Stone Street Capital
  4. JG Wentworth
  5. CBC Settlement
  6. RJE Capital

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Fairfield Funding vs JG Wentworth

Best Structured Settlement Buyers

To help you find the Best Structured Settlement Buyers, TopConsumerReviews.com provides you with an in-depth comparison of Fairfield Funding and JG Wentworth.

To see ALL of our reviews for the Best Structured Settlement Buyers, please Click Here

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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Best Reviews

2020

Structured Settlement Buyer Reviews

5 stars
Fairfield Funding

FAIRFIELD FUNDING

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BBB Rating:

A+, accredited

TopConsumerReviews.com Best-In-Class Blue Ribbon Award If you want to work with a company that treats you like a valued friend or family member, start with Fairfield Funding for your structured settlement buyout. Everything about this company will have you feeling safe and secure, with no hidden fees or bait-and-switch contracts from your first interactions with their representatives.

Upfront information

Here's a big reason why: Fairfield Funding is one of the only structured settlement buyers that comes right out and tells you what interest rates you can expect when selling: 6% to 18%. They even explain that your purchase price depends on several factors, such as the insurance company making payments to you, the dates and amounts of your payments, and the state of the economy at the time of your contract. You can expect your process to take anywhere from 30-45 days, depending on how long it takes the court to approve your agreement (and some states have mandatory waiting periods as well).

Variety of payment options

When using this service to sell your structured settlement, you can choose from a variety of different payment structures. These include a one-time lump sum payment and a partial buy-out, where they purchase just part of your monthly payment for the rest of the term, or just a certain number of years of the payment term. You're not pigeonholed into any contract that isn't right for you.

100% guarantee

You've got a four-point, 100% guarantee when working with Fairfield Funding. If they can't beat a competitor offer on your structured settlement, they'll pay you $500. They also promise a cash advance in as little as 5 days, and that advance is fixed and no interest. Finally, they guarantee to close your transaction as quickly as permitted by the laws in the state(s) involved.

Best Structured Settlmenets

Welcome transparency

This company also offers a great deal of transparency when it comes to other information. Want to know the pros and cons of selling your structured settlement? Not only do they have an article, but also a video with one of their top-level staff explaining it in detail. It's definitely worth it to spend some time reading through the FAQ and other resources on this site.

Impressive customer service

We were impressed to see that Fairfield Funding has representatives available outside of traditional weekday business hours. We connected with a rep via live chat on a weekend afternoon and were immediately able to communicate with someone who could answer our questions. Plus, that person was a native speaker of English - which certainly helps when dealing with potentially complicated financial questions. We're too used to dealing with companies that provide questionable online chat help, especially at odd times.

Positive customer testimonials

One question we posed to our chat representative was, why were the independently-verified customer reviews featured on the Fairfield Funding site were outdated by 2 years. The representative in the chat was able to point us to the most current customer testimonials, where we were happy to find not only a 5/5-star rating average, but also a very responsive customer service team. Time and time again, customers said that Fairfield got them the best rate on their structured settlement buyout, and that the entire process went smoothly and fast.

Excellent BBB rating

Plus, Fairfield Funding enjoys an "A+" rating and accreditation from the Better Business Bureau, with zero customer complaints on file there. These are all strong indicators that this is a service you can trust if you're trying to sell your structured settlement, all or in part.

Highest rating

It's normal to feel apprehensive when making a big financial decision, such as Structured Settlements. Fairfield Funding goes to great lengths to ease your mind and help you make the choices that are best for you. When it comes to selling your structured settlement, Fairfield Funding earns our highest rating.

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3.5 stars
JG Wentworth

JG WENTWORTH

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BBB Rating:

A+, accredited

JG Wentworth has been around for almost 30 years, specializing in financial services for customers who need access to cash, often due to financial hardship. Buying structured settlements is just one of several programs in their wheelhouse, along with debt relief services and lottery/casino payment purchasing.

I want my money and I want it now

In some parts of the U.S., they're best known for their 877-CASH-NOW TV jingles - but cheesy commercials aside, this company has completed more structured settlement payment sale transactions than any other in business (over $8 billion in future payments!), and they continue to maintain accreditation and an "A+" rating from the BBB.

Plenty of information

The company offers plenty of information to help you in the decision to sell your structured settlement payments. First, they describe several situations that some customers may not even realize are eligible, such as medical malpractice, personal injury, or wrongful death settlements. Next, JG Wentworth gives you some ideas of what you could do with a lump sum payment: how about starting a business, making a down payment on a house, or paying off debt? Finally, they walk you through the overall process of selling your structured settlement, whether you choose their service or a rival's.

Decision making guidance

We strongly recommend that you spend some time browsing the tabs at the top of the page, to get a deep understanding of how the process works. Even if you don't wind up using JG Wentworth for your structured settlement buyout, you'll have enough information to guide your decision-making.

Best Structured Settlmenets

Variety of payment options

Unlike many of the structured settlement buyers we evaluated, JG Wentworth is clear about the multiple options you have: sell all of your payments, sell a portion of each payment (such as $200 out of every monthly payment of $600), or sell a time period of payments (such as 10 years out of a 30-year payment plan). We appreciate that they don't make it an all-or-nothing deal, so that you can have the arrangement that makes the most sense in your situation.

Get a quote

To get started, you'll need to either click the Get a Quote button or give them a call. During your initial consultation, you'll have all the time you need to describe your circumstances, needs and goals - in other words, why you're giving them a call. Your representative will make sure to find out the necessary details about your payment policy, and then present you with a purchase offer.

Mixed customer reviews

Unfortunately, JG Wentworth's customer feedback wasn't as positive as some of their competitors. Don't get us wrong - an average just over 4 out of 5 stars is still very good. However, we found enough 1- and 2-star reviews to give us pause. Those lower reviews were often from people who used this service and later found out that they could have gotten a much better deal through another company, or who had issues with payments being lower than what their representative had promised them. On the other hand, the 5-star reviews are plentiful and usually filled with praise for helpful reps and quick payments, so caveat emptor.

Working with several people

Another drawback with JG Wentworth is that you will not have a dedicated representative for your structured settlement buyout. While they try to keep you in contact with the same person throughout the process, they don't guarantee it, so you may have to work with several different people.

Mixed customer reviews

While we love how thorough this company is, particularly with detailing what to expect during the process of selling a structured settlement, the extremely negative feedback from more than a few people brought JG Wentworth down in our rankings.

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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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