Hi folks, J.G. Wentworth here. Today we'd like to cordially invite you to check out our Twitter page, https://twitter.com/jgwentworth.

Seems like everybody nowadays is on social media - and we here at J.G. Wentworth are more than happy to be a part of the Twitterverse.  Our Twitter page contains some great financial tips, links to our weekly blog posts, trivia questions and answers, Tweets from folks around the country, and much, much more.

Frankly, there is nothing we like more than being able to reach out and connect to people.  We are one of the nation's largest purchasers of structured settlement and annuity payments, offering lump sums of money to folks just like you who need cash now in exchange for all or a portion of their future payments.  We put you in charge of your own money, which makes us very proud - so the more people that know about us, the better!

So come on, join the Twitter revolution!  Follow us on our Twitter feed, https://twitter.com/jgwentworth, or even better, send us a Tweet and we'll shoot you one back. And as always, if you'd like to speak directly to one of our customer representatives, feel free to give us a call at 877-227-4713. 

Hi folks, JG Wentworth here.

Today we would like to give a quick review of some of the pros and cons associated with selling your structured settlement or annuity payments in exchange for cash now.  If you are in any kind of financial bind, yet remain undecided about what course of action to take, perhaps this list will help you come to a decision that best meets your financial needs.

Here are some of the pros associated with selling your structured settlement payments:

– It puts cash in your hands sooner.

– It may be the most viable way for you to get that cash, especially when compared to borrowing money from a credit card, cashing out your 401(k), or taking a second mortgage out on your home.

– It may also be one of the fastest ways to get that cash.

– It is, with some exceptions, a tax-free transaction.

– It won't add on to any of your existing debt.

– There are no hidden or unexpected costs in the transaction.

– You may be able to structure the sale so as to receive some of the cash now,  while still maintaining a portion of your long-term payment stream.

And here are some of the cons:

– Your long-term plans, financial and personal, related to receiving these future payments may have to be modified.

– It is a process that still may take anywhere from 6 to 10 weeks (note: the process may take longer due to individual circumstances).

– As much as humanly possible, you have to be confident that your decision will not lead to huge regrets later on in your life.

Of course, none of us can know what the future holds; that's why the best one can hope for is to make the smartest financial decision possible with the information available at the time. If you currently receive money from a structured settlement or annuity, are in any sort of financial situation that requires additional funds, and would like someone to talk through your best course of action for selling your structured settlement or annuity payments, we urge you to give us a call at 877-227-4713.

Hi folks, J.G. Wentworth here.

Want to learn about the process of selling structured settlement payments in exchange for cash? Want to hear in our customers' own words what it's like working with J.G. Wentworth's team of representatives? Come visit us on Facebook!  Our site can be found at http://www.facebook.com/JGWentworth, and it's full of terrific information about our company. We've got numerous links that explain who we are and what we do, and also constantly update our site with articles that provide general information on such topics as saving for college, obtaining the right credit card, and getting the most out of your tax return - articles that try to keep you as financially informed as possible.

We also try to keep our Facebook page fun. We post trivia questions, vacation tips, and links to our award-winning commercials, which are sure to tickle your funny bone. And just like in our commercials, our goal is to keep things lighthearted while also making it absolutely clear that there is nothing we take more seriously than our customers' financial future.

But the best part of our Facebook page? That's easy – it's you. Being on Facebook gives us a way to interact with people from all around the country, folks just like you who are curious about us. That's why we encourage you throughout the site to post comments. Or you can write in with a general question, and we will either answer it or direct you to someone who can. It's our way of reaching out to you and staying connected - of making sure you are as educated and knowledgeable as you can be on an extremely important topic – your money.

So check us out at www.Facebook.com/JGWentworth, then post a question, comment, or joke. Or if you'd rather just talk to us directly, you can always just give us a call at 877-227-4713.

Come on, let's start the conversation!  

Hi folks, J.G. Wentworth here.  Today we'd like to have a serious conversation about a rather lighthearted topic: our commercials.

The way most folks around the country hear about us is through our commercials.  We use cartoons, fake monsters, opera, comedy sketches - basically, anything and everything we can think of to humorously get the word out about our company. We've won several awards for these commercials, and our two most famous taglines - "It's my money and I need it now!" and "It's your money, use it when you need it!" - are known nationwide.  

Truth is, that's just how we like it.  From our commercials folks learn that if they have a structured settlement or annuity and need cash now, J.G. Wentworth is the company to call. And if they have a laugh while they learn about us, all the better!

And once they call us, they quickly learn something else about J.G. Wentworth: that while our commercials are lighthearted, there is nothing we take more seriously than our customers. 

Because make no mistake: when it comes to taking care of our customers, we mean business.  For over two decades we have helped thousands of people get the financial help they need – and we can help you, too.

So please, check out our commercials at http://www.youtube.com/jgwentworth.  We hope they make you smile as much as they've made us smile over the years.  Then, give us a call at 877-227-4713.  And let us show you just how serious we can be about your money, your life, and your future.  Call us today!

Hi folks, J.G. Wentworth here.

Today, we'd like to talk about a situation folks who call us oftentimes find themselves in: they're receiving regular payments from a structured settlement or annuity, need cash now to take care of a financial problem – but don't necessarily want to sell all their future payments and never receive those periodic checks again.

To these folks, we like to propose a solution we think is the perfect fit: the purchase of a portion of their structured settlement payments. This is an agreement in which we buy a portion of their future payments in exchange for cash, giving folks the money they need to take care of their current problems – and also enabling them to receive a portion of their future payments every time they come due.

J.G. Wentworth is proud to offer customers the opportunity to sell only a portion of their structured settlement or annuity payment stream because it gives them some control of both their present and future. It's the middle ground many of our customers seek when they want to balance their current financial needs against the security of receiving those regular structured settlement or annuity payments.

If you are thinking about selling some of your future structured settlement payments, we recommend you consider the following factors:

– What are your current cash needs? Will the money you receive from selling just a portion of your future payments be enough to take care of your current situation?

– What about the long-term? If you have been relying on these structured settlement payments to take care of your expenses, will you still be able to manage your financial future when these payments begin to be less than what you were formerly receiving?

– If you are leaning towards selling only a portion of your structured settlement payments, what would be the best way for you to structure your deal? For instance, would you like to sell the full amount of your regular payments for several months or years and then resume getting the full amount at some point in the future? Or would it be better for you to sell  just a portion of your payment amount, while still keeping the rest of your  payment amount coming without interruption?

These are all extremely important questions to consider.  Fortunately, you do not have to consider them by yourself. J.G. Wentworth can help you. Our team of account executives, who can be reached at 877-227-4713, will take whatever time you need to discuss your situation and help you come up with the right solution.

And last but certainly not least, if you choose to sell us a portion of your future payments in exchange for cash, and then find yourself facing another financial crisis somewhere down the line, we may be able to help you.  We can continue to work with you to come up with a new financial plan that may once again be able to solve your current financial needs – and safeguard your future.

Have any questions? Please give us a call 877-227-4713.

Hi folks, J.G. Wentworth here. In a previous blog we introduced you to Tom, a customer of ours who needed a heart transplant right away – and cash to help pay for the procedure. He called J.G. Wentworth, and in exchange for just a portion of his structured settlement payments, we got him the money he needed to help get him through his ordeal.

Today, we'd like to present you with another story from one of our customers.  This is Scotty, from Little Rock, Arkansas, and while his situation was very different than Tom's, the result of this conversation with J.G. Wentworth was the same: cash now for his structured settlement payments.

Here is Scotty’s story, in his own words:

"When I was injured as a little kid, my parents wanted to be sure when I was older that there would be money for future medical expenses.  Now I'm 19 years old and it turned out I didn't really need those future payments.  But I'm in school, and I have a job, and I could really use that money now for a reliable car."

"That's why I decided to turn to J.G. Wentworth.  They bought the payments I was supposed to get at ages 21 and 24 – and I was able to buy a car now, didn't have to wait around to get my money."

"Now I'm never late getting to class, and I'm never late getting to work – so, thank you J.G. Wentworth."

You're welcome, Scotty!  We take great pride in our ability to get folks just like you cash now in exchange for their future payment obligations!

Are you in a situation similar to Scotty's?  Have you found that your structured settlement or annuity payments have not been able to cover your immediate financial needs?  To find out what J.G. Wentworth can do for you, please give us a call at 877-227-4713.

Hi folks, J.G. Wentworth here. This week we'd like to introduce you to a few of our customers, folks just like you who are regularly receiving structured settlement or annuity payments yet still find themselves facing immediate financial problems not of their own making. These folks turned to J.G. Wentworth for help, and that's exactly what they got – cash now in exchange for their future payments.

But we don't need to tell you about them – here's what they have to say, in their own words. This is Tom, from Los Angeles California:

"Of course I had health insurance.  But when the doctors told me I needed a heart transplant I knew it was going to start raining medical expenses. I needed cash, and I needed it in a hurry.”

“My only real asset was my settlement which provided me cash payments every two years.  I knew if I could sell payments I could probably save my life."

"My rep at J.G. Wentworth went to work right away. He knew what was at stake.  He designed a program to help meet my immediate needs - and he told me that if I needed cash later we could probably sell more payments!"

"Ultimately, I got a new heart, and a new lease on life.  J.G. Wentworth played a great role in helping me through this ordeal."

Helping Tom, and thousands of customers just like him around the country, is what we do here at J.G. Wentworth – and what we would love to do for you.  To hear Tom's story directly, or to hear other stories like his, visit our website at www.JGWentworth.com. And if you would like to discuss your current financial situation with us, please don't hesitate to give us a call at 877-227-4713.

Hi folks, J.G. Wentworth here.

In a previous blog we talked about how other structured settlement companies will do just about anything for your business – including posting misleading statements and even outright lies about our company. 

Well guess what? – It happened again, just this past week. And unfortunately it's something we have to respond to, so we can make sure everyone knows the truth about J.G. Wentworth - and understands just how proud we are of our company, and what we do each and every day for our customers.

The article we are talking about was particularly troubling because of how outdated and misleading it was. It was promoted on a Google Alert and claimed that we were bankrupt!

The truth, of course, is that we are anything but bankrupt.  We have hundreds of employees and trusted representatives throughout the United States, 20 years of experience, a nationwide BBB rating of A+, and over four billion dollars of purchased future payment obligations.  For over two decades we have helped folks just like you get the money they need for their structured settlement or annuity plans. In short, we are one of the industry's most trusted and respected members - and we're not going anywhere!

So if you see any of these random articles or blog postings discussing supposed 'facts' about our company, we urge you not to believe them. In fact, if you have any doubts about us, why don't you call us yourself at 877-227-4713?  Talk to us directly, and hear what we have to say. Then you can judge our character for yourself, and see once again why we will always believe, no matter what anyone writes, that J.G. Wentworth is a great place for folks just like you to get cash now for their structured settlement or annuity payments.

Hi folks, J.G. Wentworth here. It's the end of tax season, which means for some of us the following bad news cannot be avoided:

The IRS says we owe them money.

And the even worse news? - They want it now.

For most Americans, this isn't a problem.  In truth, the majority of Americans actually get a tax refund from the Internal Revenue Service, and these happy folks get to decide whether to immediately spend their tax refund on a new purchase, use the money to pay down a debt, or deposit it in a bank to save up for the next year.  That's a great problem to have, right?

Unfortunately, we're not talking about the majority of Americans. We are talking about you. And if you have been notified by the IRS that you have failed to meet your tax obligations for the past year, and must come up with that money right away - well, that's a situation that can be extremely difficult to get out of.

Luckily, there is some good news: J.G. Wentworth may be able to help you get the cash you need.  If you are currently receiving structured settlement or annuity payments, and are facing an IRS bill - or any kind of financial problem that requires immediate cash - you should call us right away at 877-227-4713.  We can buy these structured settlement payments for one lump sum, or pay you cash for your annuity.  We can even buy a part of your  structured settlement payments, allowing you to receive both a lump sum of cash and a steady portion of your future payment stream. 

So if the IRS comes calling? – Call us first. Let's find out if we can help you get the solution you need to pay your tax bill.  Our operators are ready to speak to you at 877-227-4713.  Call us today!

Hi folks, J.G. Wentworth here. Today we will continue our review of some important terms and concepts related to selling structured settlement or annuity payments.

Annuity Contract - The written agreement between the individual and the insurance company that stipulates the features of the annuity and the rights and responsibilities of each party.

Annuity Owner - The person or people who make decisions about an annuity. The owner or owners usually have the rights to make withdrawals, surrender or change the designated payee, beneficiary or other terms of the contract.  However, an annuity owner’s ability to make these changes depends on the terms of the individual annuity contract.

Annuity Start Date – The date designated for annuity payments to begin.

Beneficiary - The person(s) or entity that is designated to receive the structured settlement or annuity payments when the annuitant or payee dies.

Court Order Attorney – The lawyer, representing J.G. Wentworth, who files a petition for court approval of the structured settlement payment buyout.

Future Value of an Annuity – A value that measures the future "worth" of an annuity at a specific time in the future, assuming a certain interest rate or rate of return.

Guaranteed Payments - Payments made regardless of whether the annuitant is living or deceased. Immediate Annuity – An annuity in which periodic payments begin immediately or within one year of the annuity being purchased.

Lifetime Payments – An annuity income option that makes regular payments of equal amounts for the remainder of the annuitant's life.

Partial Purchase - When the recipient of structured settlement or annuity payments sells off a portion of their future payments in exchange for immediate cash, thereby enabling them to receive both a lump sum of cash and a portion of all their future payments as they come due.

Payee – The individual to whom the annuity payments are made, at the direction of the owner.

Payment Stream – Payments received periodically from a structured settlement or an annuity.

Purchase Price - The amount that the purchaser is offering to pay for the structured settlement or annuity payments.

Structured Settlement Agreement – The agreement, judgment, stipulation or release that clearly explains the terms of a structured settlement.

Structured Settlement Buyout – An arrangement where someone sells their future stream of structured settlement payments in exchange for a lump sum of cash.

Have questions about these terms, or regarding other terms we did not discuss here?  As always, please feel free to give us a call at 877-227-4713.