JG Wentworth

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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.
Desperate young woman sit on sofa at home calculates expenses feeling stressed about bank loan payments, lack of money, financial problems, thinking of unpaid taxes, bankruptcy, overdue bills concept
Debt Resolution

Nov 2, 2026

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24 min

Financial Hardship Programs: What They Are and How to Get Help

Debt collection concept with gavel, calculator and money, symbolizing financial struggle
Debt Resolution

Nov 2, 2026

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21 min

Being Sued by a Debt Collector: What to Expect and How to Respond

Woman stressed being contacted by multiple debt collectors
Debt Resolution

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August 27, 2026

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26 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

Woman stressed being contacted by multiple debt collectors
Debt Resolution

Aug 27, 2026

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26 min

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

The 11-word phrase can stop collector calls under the FDCPA. Learn how to use it in writing, your rights, and how to negotiate the debt behind the calls....
Lawyer stamping legal debt document with dimissal
Debt Resolution

Aug 24, 2026

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22 min

How to Get a Credit Card Lawsuit Dismissed (Step by Step)

Being sued over a credit card? Learn how to answer the summons, the affirmative defenses that get cases dismissed, and what to do after you are served....
Frustrated concerned young couple calculating overspend budget, doing paperwork job at laptop, talking about financial problems, insurance, mortgage, fees, loan conditions, bankruptcy, economic inflation
Debt Resolution

Aug 19, 2026

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12 min

What Is Debt Negotiation, And How Does It Work?

Debt negotiation is exactly what it sounds like: asking a creditor to accept less than what you owe. See how it works:...
Debt consolidation loan form on a wooden table.
Debt Resolution

Aug 19, 2026

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14 min

Is Debt Consolidation a Good Idea?

Whether consolidation helps or hurts comes down to math and behavior, not marketing. See if debt consolidation is right for you....
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....
Magnifying glass focusing on scam warning symbol over dollar bills concept of financial fraud money laundering cybercrime and online scam alert for security awareness and finance protection
Debt Resolution

Aug 5, 2026

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17 min

How to Spot a Debt Relief Scam

Debt relief scams follow a pattern — upfront fees, guaranteed forgiveness, high pressure. Here's how to spot the red flags and verify a legitimate company....
Judges Gavel close up image
Structured Settlement

Jul 27, 2026

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16 min

Structured Settlement Court Approval Process

A judge must approve your structured settlement sale before you get paid. Here's what the court reviews, what documents you need, and how long it takes....
Young couple with arms in the air smiling after getting accepted into a debt relief program
Debt Resolution

Jul 27, 2026

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12 min

How Much Debt Do You Need to Qualify for Debt Relief?

Most debt relief programs have a minimum but it's lower than most people assume. A main qualifying factor is your type of debts....
Young couple stressed at table looking at paper credit card statement
Debt Resolution

Jul 27, 2026

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17 min

Can You Stop Paying Credit Card Debt and Stop Worrying About It?

You can stop paying credit card debt, but stopping and being free are not the same. Here's what actually happens, and the three paths that resolve it....
Credit cards on laptop with miniature life preserver. Nonprofit debt relief concept
Debt Resolution

Jul 27, 2026

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13 min

Nonprofit Debt Relief: How it Works and How it Compares

Nonprofit debt relief isn't free debt relief. Learn how nonprofit credit counseling works, and when for-profit options fit better....
Figurine house with us money laying on top. Home equity concept
Home Equity

Jul 24, 2026

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18 min

How to Tap into Home Equity with Bad Credit

Bad credit doesn't rule out tapping your home equity. Compare HELOCs, cash-out refinances, and home equity agreements....
Piggy bank, gavel and books on a table.
Debt Resolution

Jul 24, 2026

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12 min

Do You Need a Lawyer for Debt Relief?

This article breaks down exactly what debt relief lawyers do, and when hiring one makes sense for your situation....

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?