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      July 5, 2020

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  6. RJE Capital

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JG Wentworth vs CBC Settlement Funding

Best Structured Settlement Buyers

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

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

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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3 stars
CBC Settlement Funding

CBC SETTLEMENT FUNDING

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BBB Rating:

A+, accredited

CBC Settlement Funding has been around since 2009 and is based in Pennsylvania. As with most of the services in our review, they have an "A+" rating and accreditation from the Better Business Bureau, which is always a must when choosing a service to buy your structured settlement.

Ethical commitment

Something that stood out to us with this company is their commitment to ethical processes. They specifically state that if their experts analyze your paperwork and conclude that selling your structured settlement is not in your best interests, they will actually advise you against doing so. That's a big plus in an industry that can sometimes feel a little shady.

Lots of good information

You'll also have plenty of help understanding the process of structured settlement buying if you take the time to browse this company's website. Whether you want to know about your payout options, the process for selling your settlement (in full or in part), or what steps to expect, you'll find all of that here. However, when we tried to read any of the FAQ subjects (like risks involved or necessary documents), nothing opened up when we clicked on the plus sign. We're hoping that it was a temporary glitch in the site, but you may come up equally empty on your visit.

Best Structured Settlmenets

More transparency desired

In that vein, it's possible that CBC Settlement Funding provides information about what fees and rates you can expect when they buy your structured settlement - but we didn't find it in the parts of the site that were working when we last went to the site. We'd definitely like more transparency in that regard.

Complaints and negative reviews

Another negative mark for CBC Settlement Funding is that they don't have the pristine track record of customer feedback like most of our higher-ranked providers. There were several complaints and bad reviews - which received appropriate responses from CBC Settlement Funding representatives, hence the still-solid rating from the BBB. But, compared with services that have been in business longer and without any registered complaints, this company doesn't quite measure up.

Middle of the road

In general, CBC Settlement Funding is just average when it comes to providers of structured settlement buyouts. You probably won't have a horrible experience, but it might not be the most informed, customer-friendly process either.

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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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