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.
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

0 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

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....
man breaking piggy bank
Annuity Purchasing

July 24, 2026

18 min

When Should I Start Taking Money Out of My Annuity?

a house made from $100 bills
Home Equity

May 27, 2026

18 min

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

Stopping debt collectors
Debt Resolution

February 4, 2026

10 min

What is the 11-Word Phrase to Stop Debt Collectors?

Woman signing financing documents for new car
Debt Resolution

May 5, 2025

5 min

Why is Buying a Car Considered Bad Debt?

Financing a vehicle is often categorized as "bad debt" in personal finance. Read why, here....
Woman on phone calling credit card company after her credit limit decreased
Debt Resolution

May 5, 2025

6 min

Why Did My Credit Limit Decrease After Paying Off Debt?

Here’s the basic breakdown on what you can expect for your credit limit after paying off your debt....
Due for repayment There are coins, calculators and calendar reminders placed on the table.
Debt Resolution

Apr 30, 2025

8 min

What is Short-Term Debt?

In the landscape of personal finance, short-term debt is a tool that many consumers use—sometimes strategically, sometimes out of necessity....
Confused young woman shrugging shoulders, looking at camera posing on pink background
Debt Resolution

Apr 30, 2025

6 min

What Does It Mean When a Debt is Charged Off?

While many consumers mistakenly believe a charge-off means their debt has been forgiven or cancelled, the reality is quite different…...
Gavel and words Nondischargeable Debt on the cubes.
Debt Resolution

Apr 30, 2025

7 min

What Are Non-Dischargeable Debts?

If you need to know what non-dischargeable debts are, which debts typically fall into this category, and how they impact regular consumers in various situations, read on....
Hispanic man with glasses wearing blue shirt in the apartment using tablet and looking at the credit card
Financial Education

Apr 30, 2025

4 min

Understanding Credit Card Statement Cycles

A credit card statement cycle, or billing cycle, is fundamental to managing your finances effectively....
A man and woman overwhelmed with past-due bills and debt.
Debt Resolution

Apr 30, 2025

4 min

The Impact of Late Payments on Credit Scores

Late payments are among the most significant negative markers that can tarnish your credit report and lower your credit score....
Texas state flag
Debt Resolution

Apr 30, 2025

5 min

What is the Statute of Limitations on Debt in Texas?

Are you struggling with debt in the Lone Star State? Texas law establishes specific time limits during which creditors must pursue legal action for unpaid debts....
Shot of a young couple sitting in the living room at home and using a laptop to calculate their finances
Debt Resolution

Apr 30, 2025

6 min

Is it Better to File for Bankruptcy or Debt Consolidation?

Let’s take a closer look at the key factors to consider when deciding between bankruptcy and debt consolidation....
Bathroom remodeler working with clients showing shower options
Financial Education

Apr 29, 2025

4 min

Working With a Bathroom Remodeler: Tips for Success

Here are key tips for working effectively with your bathroom remodeler and setting the stage for a successful renovation....
Worker installing ceramic floor tiles
Financial Education

Apr 29, 2025

5 min

Should You Move Out During a Full Bathroom Remodel?

Let's break down the factors you should consider before deciding....
Survey, poll or questionnaire for user experience or customer satisfaction research. Quality control and feedback concept.
Financial Education

Apr 18, 2025

5 min

How to Vet a Bathroom Installer

Complete guide on how to thoroughly vet a bathroom installer so you can make a confident, informed decision....

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?