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.
The financial stress of a first date
Financial Education

Apr 8, 2026

9 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....
a few dollar bills, banknotes on a white background, with a golden pen and calculator, business concept
Personal Loans

Apr 8, 2026

9 min

What Is the Real Cost of a Cash Advance?

Stopping debt collectors
Debt Resolution

February 4, 2026

10 min

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

Judge Dismissing Debt Lawsuit
Debt Resolution

August 14, 2025

10 min

How to Get a Debt Lawsuit Dismissed

man breaking piggy bank
Annuity Purchasing

April 3, 2024

5 min

When Should I Start Taking Money Out of My Annuity?

Blank blocks on wooden seesaw representing the two debt options
Debt Resolution

Oct 31, 2025

12 min

How is Debt Counseling Different from Debt Settlement?

Debt counseling and debt settlement are fundamentally different solutions designed for different financial situations....
Man drafting a debt settlement letter with pen and paper
Debt Resolution

Oct 31, 2025

13 min

How to Write a Debt Settlement Letter

A debt settlement letter can serve as a powerful tool to negotiate with creditors and potentially reduce your financial burden. Let’s walk you through everything you need to know....
Man stressed looking at options for help with debt
Debt Resolution

Oct 31, 2025

13 min

What’s the Difference Between Debt Settlement and Management?

Struggling with debt? Debt settlement and debt management both promise relief, but they work in fundamentally different ways....
Two wooden blocks with someone holding a puzzle piece with "mediation" in between them
Debt Resolution

Oct 31, 2025

12 min

Understanding Debt Mediation

Debt mediation represents a middle ground between struggling alone with unmanageable debt and taking more drastic measures like bankruptcy....
Man at computer reading options between debt relief and bankruptcy
Debt Resolution

Oct 31, 2025

11 min

Debt Relief vs. Bankruptcy

Debt relief and bankruptcy both offer solutions to those struggling with debt, however are extremely different....
FHA loan written on the model of home.
Debt Resolution

Oct 28, 2025

11 min

FHA Loan Debt-to-Income Ratio Requirements

Let's look at the DTI (Debt-to-Income) requirements associated with FHA (Federal Housing Administration) home loans....
Man stressed after receiving debt summons
Debt Resolution

Oct 28, 2025

12 min

Sample Answer to a Credit Card Debt Summons

Receiving a summons for credit card debt can be extremely stressful. This sample response will help you respond....
Credit Union sign on stone wall building
Personal Loans

Oct 28, 2025

13 min

What are Credit Union Personal Loans?

What exactly are credit union personal loans, how do they work and what are their drawbacks?...
Electronic highway billboard with government shutdown ahead warning
Debt Resolution

Oct 27, 2025

11 min

Do I Still Have to Pay My Debt During a Government Shutdown?

The short answer is unequivocally yes—you absolutely must continue paying your debts during a government shutdown....
Woman applying for loan talking with banker about credit score impact
Personal Loans

Oct 20, 2025

7 min

How Personal Loans Impact Your Credit Score

Understanding how a personal loan interacts with your credit profile is key to making smart borrowing decisions....
Car keys, American cash, and loan agreement
Personal Loans

Oct 20, 2025

7 min

Can You Use a Personal Loan to Buy a Car?

A personal loan can be used to buy a car, and depending on your situation, it might make sense....
Young couple stressed looking for personal loan
Personal Loans

Oct 20, 2025

12 min

Same-Day Personal Loans for Bad Credit

Same-day personal loans for bad credit offer a potential lifeline when time is of the essence and options seem limited....

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?