Cash from Structured Settlement Now

You have endured a lengthy and tedious legal journey in which you were finally awarded a structured settlement. You just want to know, "can I get my cash from structured settlement now?"

The answer to that question is most likely yes. But before you rush to cash in that annuity, make sure you have the necessary information to make knowledgeable decisions. And while you can get your cash from structured settlement, don't expect it in a day. It can take a couple of months to follow the legal process. And any buyer that promises you cash in a day might not be on the up and up.

Why a Structured Settlement in the First Place

First, it might help to understand why you were awarded a structured settlement instead of a lump sum of money.

It has become the method of choice for the legal advocates as well as United States courts to grant settlements in the form of annuities. Annuities are investment tools that provide a place for money to be secured (often tax free) and distributed equally over time while earning interest.

Lawyers and judges as well as plaintiffs and defendants, mutually find annuities a beneficial tool. Since the settlement often occurs as a result of injury and is awarded because the plaintiff is often unable to earn the income he or she once could, the annuity provides periodic payments much like the income from a job. This method will ensure that the injured party is financially secure for many years to come.

When a Structured Settlement Just Doesn't Work for You

While the structured settlement is convenient and has great advantages (including tax and interest), this arrangement might not work for you. You might have an opportunity to use that cash from structured settlement to invest in a better opportunity that will earn you more than your current annuity. In this case, you might have the opportunity to sell some or all of your structured settlement and invest the money the way you prefer.

Government Guidelines

The United States government recognizes that many recipients of settlements might have the desire to get cash from structured settlement and have the right to do so. However, the government also recognizes that this is a prime area for unethical buyers to take advantages of structured settlement owners. Therefore, the government has set up regulations when it comes to selling annuities. These regulations where established to help you and other injured parties, not to hinder you.

Begin by Finding a Buyer

Finding a buyer for your structured settlement is much like finding a service provider for any other service. You choose your bank because of its reputation. You find an insurance company through recommendations. Similarly you find a structured settlement buyer through research and referrals.

A great place to start is with your lawyer. He or she might be able to recommend a buyer that has served other clients. Once you get the names of a structured settlement purchaser, do a little research. Check with the Better Business Bureau and Internet resources that will tell you if this is a reputable company.

Once you contact the company, ask them a lot of questions. And listen carefully to the answers. Do they provide answers immediately or do they have to call you back after they find out the answers? If they have to call you back, this might mean they have not bought settlements in your state before and might not be knowledgeable enough for you.

Negotiate for the Best Terms

You can negotiate the terms for cash from structured settlement. But don't forget that the buyer is a business and will charge fees and ensure that they are being paid fairly for the service they are providing you. Listen to and read carefully, the terms that they offer. If you have questions, don't hesitate to ask them. If you want to make some changes, be sure to request them up front.

We can help you get cash from structured settlement plans. Talk with a knowledgeable representative today. Contact us with all of your questions and get the answers you need to make an informed decision.

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