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.
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)

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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?

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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

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Debt Resolution

Feb 17, 2026

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14 min

What Is Regulation F?

Whether you're currently dealing with collectors or want to know your rights for the future, this guide breaks down what Regulation F means for you....
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Annuity Purchasing

Feb 10, 2026

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15 min

The Disadvantages of an Annuity

While insurance companies and financial advisors often promote annuities as safe, reliable income streams for retirees, the reality is more complicated....
Gavel and stack US paper currency on the table
Debt Resolution

Feb 10, 2026

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14 min

Guide to Court-Ordered Debt Collections

Discover critical questions about court-ordered debt collections and get practical information to help you make informed decisions...
Man looking at ringing phone confused
Debt Resolution

Feb 10, 2026

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13 min

Why Is Portfolio Recovery Calling Me When I Have No Debt?

If you've found yourself asking "Why is Portfolio Recovery calling me when I have no debt?" you're not alone....
Blue background with calculator and text of "debt consolidation plan"
Debt Resolution

Feb 5, 2026

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25 min

How To Consolidate Credit Card Debt

This comprehensive guide will walk you through everything you need to know about consolidating credit card debt....
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Structured Settlement

Feb 5, 2026

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6 min

Can College Athletes Sell Their NCAA Settlement Payments?

The short answer is yes, athletes can legally sell their NCAA/NIL settlement claims....
Man applying for credit card online. Wondering about the 2 3 4 bank of america rule
Debt Resolution, Financial Education

Feb 5, 2026

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18 min

What is the 2/3/4 Rule for Credit Cards?

The 2/3/4 rule is a Bank of America-specific policy that limits how frequently you can open new credit card accounts with the bank....
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....
"7" on paper with blue background
Debt Resolution

Jan 28, 2026

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20 min

What is the 7-7-7 Rule in Collections?

One of the most important regulations to understand is the 7-7-7 rule, which restricts how often debt collectors can contact you....
White and Black Piggy Banks On Wooden Seesaw - Comparing financial options
Debt Resolution, Personal Loans

Jan 6, 2026

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14 min

Debt Consolidation vs Personal Loan

While these terms are sometimes used interchangeably, they represent different approaches to handling financial obligations....
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?...

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?