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      June 2, 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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Stone Street Capital 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 Stone Street Capital 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
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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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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