JG Wentworth

Picture of JG Wentworth

JG Wentworth

JG Wentworth is a financial services company that specializes in structured settlement/annuity purchasing and debt relief solutions, among other offerings. For over 30 years, we have established a sterling reputation, including an A+ from the Better Business Bureau, a 4.8 rating with TrustPilot, and 4 stars from Consumer Affairs among countless rave reviews from satisfied customers.
Business photo shows hand written text debt forgiveness
Debt Resolution

Sep 21, 2026

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18 min

Notice of Credit Card Debt Forgiveness: What It Means and What to Do

A debt forgiveness notice means your creditor stopped collecting, but the forgiven amount is usually taxable. See what to do and how Form 982 can help....
House buying concepts, small house model and money with document contract and pen on wooden table.
Home Equity

Sep 21, 2026

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18 min

What Is Home Equity Sharing?

Home equity sharing gives you cash now for a share of your home's future value. See how it differs from a HELOC, what it costs, and who it works best for....
Woman stressed being contacted by multiple debt collectors
Debt Resolution

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August 27, 2026

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25 min

The 11-Word Phrase to Stop Debt Collectors (2026 Guide)

man breaking piggy bank
Annuity Purchasing

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July 24, 2026

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18 min

When Should I Start Taking Money Out of My Annuity?

a house made from $100 bills
Home Equity

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May 27, 2026

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18 min

What is a Home Equity Agreement? How it Works, Pros & Cons

JGW_Debt trap_V1_Balance
Financial Education

Sep 1, 2026

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12 min

Which types of debt leave Americans feeling the most trapped?

Which debt feels impossible to escape? Our survey reveals the debts Americans feel most trapped by and what it would take to finally become debt-free....
Senior debt in Utah
Financial Education

Aug 19, 2026

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9 min

Which U.S. States Have the Highest Debt Among Adults Over 60?

A survey of 1,376 U.S. adults reveals how long it takes to pay off debt, including mortgage payoff time, credit card repayment, student loan timelines, and how interest adds time....
Average time it takes to pay off different loan types
Financial Education

May 18, 2026

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13 min

The Average Debt Timeline in the U.S.

A survey of 1,376 U.S. adults reveals how long it takes to pay off debt, including mortgage payoff time, credit card repayment, student loan timelines, and how interest adds time....
The financial stress of a first date
Financial Education

Apr 8, 2026

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10 min

Love on a Budget: Are Americans too broke to date?

Dating has a price tag, but for many, it's becoming too high. We look at the real cost of modern romance, from first date spending to the financial pressures pushing people out of dating altogether....
94.6% of survey respondents reported sleep disruption from financial worries
Financial Education

Apr 7, 2026

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13 min

How much sleep are Americans losing due to debt stress?

Debt and financial stress are costing Americans sleep. This survey discovers how much sleep is lost, which debts are most likely to keep you awake at night, and who is most affected....
Nearly all americans worry about their finances if they were to be hospitalized
Financial Education

Apr 1, 2026

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14 min

The true cost of medical emergencies

Medical emergencies can push Americans into debt quickly. Our survey reveals the average financial breaking point, medical debt levels, and how insurance gaps affect healthcare decisions....
Bankruptcy is more stressful than buying a home, having a child, getting married or experiencing bereaevement
Financial Education

Mar 17, 2026

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12 min

America On The Brink of Bankruptcy

Explore what’s pushing Americans to the brink of bankruptcy, from rising living costs to growing debt, and how people rebuild their finances after filing....
Common reasons for debt main callout image
Financial Education

Mar 5, 2026

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12 min

The Most Common Reasons for Debt

New research reveals the leading causes of personal debt in the U.S., along with its effects and the strategies people use to manage it....
Map of US and which states offer second chances
Financial Education

Feb 2, 2026

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11 min

The Best States for Second Chances

Study reveals the best and worst U.S. states for exemptions, benefits, credit repair, and attorney fees for recovering after financial difficulties....
Meeting with law firm for debt settlement negotiation
Debt Resolution

Jan 6, 2026

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10 min

How to Negotiate a Debt Settlement with a Law Firm

Many firms representing creditors are open to reasonable settlement offers because they want to resolve the case efficiently....
Man holding two stacks of coins, comparing financial options
Structured Settlement

Jan 6, 2026

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9 min

Should I Keep My Structured Settlement or Get a Lump Sum? 

Life circumstances change, and many people eventually ask the same question: should I keep my structured settlement or sell it for a lump sum?...
Man holding phone with loan approval on screen
Personal Loans

Dec 29, 2025

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9 min

Does Guaranteed Approval on Unsecured Personal Loans Exist?

The short answer is no, guaranteed approval loans don't exist - at least not from legitimate lenders. But the fuller picture is more nuanced....

The numbers we provide here are estimates based on some assumptions:

On your own:

Based on industry averages, we estimate a monthly compounding interest rate of 22.99% and that you are making a minimum payment that is 2.5% of your total debt.

JGW:

The length of your program is determined by your debt amount. Programs are between 24 and 60 months in length and average program length is around 42 months.

Savings amount is an estimate base on average customer savings on their monthly payment. Real results will vary and some customers will save more, less or not at all.

Disclaimer: The calculator on this web site is for estimation and educational purposes only. JG Wentworth makes no guarantees regarding its accuracy and specifically disclaims any and all liability arising from the use of this or any other calculator on this web site. Use at your own risk and verify all results with an appropriate financial professional before taking action. We are not registered investment advisers, attorneys, CPA’s or other financial service professionals and do not render legal, tax, accounting, investment advice or other professional services.

Your entered value is significantly different from our estimate. You can adjust it for accuracy, or continue as is.

FYI, this option
requires collateral

This could include items you own such as
Your vehicle
Housing fixtures
Using collateral can boost your approval chances and/or ability to secure a lower APR. Would you like to continue?