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      October 27, 2020

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  4. JG Wentworth
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  6. RJE Capital

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Stone Street Capital 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 Stone Street Capital 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.

Continue reading below reviews

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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3.5 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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