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      July 7, 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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PEachtree Financial vs Stone Street Capital

Best Structured Settlement Buyers

To help you find the Best Structured Settlement Buyers, TopConsumerReviews.com provides you with an in-depth comparison of PEachtree Financial and Stone Street Capital.

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.

Continue reading below reviews

Best Reviews

2020

Structured Settlement Buyer Reviews

4.5 stars
Peachtree Financial

PEACHTREE FINANCIAL

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BBB Rating:

A+, accredited

Peachtree Financial has helped tens of thousands of people through buying structured settlements, annuities, lottery winnings and other payment streams since their start in 1996. Since our last review, this service has made considerable improvements and earned a much higher ranking among buyers of structured settlements.

Going the extra mile

The Peachtree website makes sure you understand everything there is to know about a structured settlement buyout, from all of the steps in the process to possible ways to use a lump sum payment. They even go so far as to give you advice if you're using it to pay for education, renovate your home, or invest in a business! Talk about going the extra mile.

Simple process

Their process is very simple: give them a call and get a free quote, once they've reviewed your case and gotten the necessary details. If you accept their offer and sign the paperwork, they'll begin the process of filing a petition with the court (you may have to appear in person to explain why you need a lump sum or partial buyout). You'll have one representative throughout the entire process, and they'll be well-acquainted with the particulars of your case: no need to talk to multiple people across the company.

60-90 days

When the court approval comes in, you can either have the funds sent directly to your bank account or get a check in the mail. How long until you get your funds? Most Peachtree Financial transactions take 60 to 90 days to be completed. They also offer cash advances within 24-72 hours of receiving your documents, if you live in a state that allows it.

Best Structured Settlmenets

Great information

This service offers one of the most comprehensive websites to give you an understanding of the whole process. Are you wondering what specific questions might be asked? Which documents you'll need? What will be in the purchase contract? You'll find all of that and more explained in detail. The only piece we didn't find that would have been useful was an estimate of their fees and/or interest rates when buying a structured settlement.

Award winning efforts

Peachtree Financial Solutions earned several awards from 2010 to 2014 (and maybe after, though their Awards page on the website doesn't mention any). Unfortunately, none of them specifically referenced buying structured settlements - just litigation and law firm funding, primarily. That left us wondering if structured settlements aren't their primary area of expertise.

Positive customer feedback

Peachtree Financial has an "A+" rating at the BBB, along with accreditation. We found a handful of customer complaints, but the majority of them were regarding unsolicited mail and not the actual process of selling a structured settlement. And, when looking at customer reviews that have been independently-verified by a third-party service, this company fares well: averaging a 4.5 out of 5 stars, with customers saying good things about Peachtree representatives, especially their in-depth knowledge of the particulars of any given state in which their customers may reside.

One of our top choices

You have a lot of options for selling your structured settlement, and Peachtree Financial is worth considering. Start by reading through all of the information they offer on their website, and we're sure they'll wind up being one of your top choices for excellent customer service and solutions that match your needs.

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3.5 stars
Stone Street Capital

STONE STREET CAPITAL

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BBB Rating:

A+, accredited

Stone Street Capital is no newcomer to buying structured settlements, with over three decades of experience. Their website is, for lack of a better word, cute: you'll find funny illustrations featuring a cow throughout the site, explaining what to expect during your process.

How it works

You'll get started by giving the company a call to discuss your financial situation and hear what cash options are available. Check out the "How It Works" page to find detailed answers to questions like "How much money can I get?" and "Why should I consider a lump sum cash option?" You'll find even more info in the FAQ, though many of those topics aren't directly related to structured settlements.

Lack of fees and interest rates

Stone Street Capital isn't overly upfront with the details of their structured settlements. Some providers tell you what fees or interest rates you can expect, or even the average time it takes their clients to receive their payments. We didn't see that information given on the Stone Street site.

Best Structured Settlmenets

Excellent customer service

However, the customer service representatives are very friendly and informative. When you speak with them, they don't give you a pushy sales pitch. Instead, they'll calmly answer your questions and guide you through the process. Their focus on customer education and satisfaction is commendable.

Several issues

Stone Street Capital is part of the JG Wentworth family of companies, which means you can expect a similar reputation and customer experience. However, we found several issues specifically with Stone Street that were cause for concern. Back in 2015, a case in Florida was settled under a strict confidentiality agreement; in the case, it was alleged that Stone Street Capital forged an elderly woman's signature in order to complete the purchase of her rights to lottery winnings of over $2 million. A few years later, a NYC law firm that represented several structured settlement purchasers, including Stone Street Capital, entered a guilty plea with respect to forging the signatures of judges on sale approval orders. Granted, Stone Street sued that firm for legal malpractice, but it still indicates a red flag you should be aware of.

Strong BBB rating

Importantly, Stone Street Capital maintains an "A+" rating and accreditation from the BBB. This is a good factor to know when you're entrusting a company with your finances. We feel this is a reflection of their business operations and customer focus.

Worth consideration

In spite of the issues and lack of detailed information on their website, Stone Street Capital has a strong history and customer focus. They're a good choice for your Structured Settlement buying needs, and are worth your consideration.

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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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