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All You Need to Know
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Get answers to frequently asked questions on structured settlements.

Fast Answers to Structured Settlement Questions

From basic questions to inquiries on getting quotes for us to buy structured settlement payments, the list below covers plenty of information. You can find fast, straightforward answers to your questions anytime. And if you need additional information, just contact us.

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By submitting this form, I am providing J.G. Wentworth with express written consent to contact me regarding product offerings by SMS/text messages or by using an auto dialer (or automated means) at the phone number(s) provided and such consent is not a condition of a purchase. I also consent and agree to J.G. Wentworth’s Privacy Policy and Terms of Use.

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Why would I want to sell my structured settlement payments?

Structured settlements are established for many different reasons and are intended to take into account the potential future needs of the individual and provide a reliable source of future income. Unfortunately, this setup can quickly become a burden because of a lack of flexibility and an inability to adapt to life’s changing events. Selling part or all of your structured settlement payment stream can provide the financial flexibility you may need to expand options for you and your family.

What is a structured settlement?

Structured settlements are commonly used in settling personal injury or malpractice lawsuits. A structured settlement is a financial package that allows court-awarded compensation to be paid in periodic installments over time, rather than up-front in one lump sum. These installments may be paid over a fixed period of time or continuously during the recipient's lifetime. Structured settlements can vary widely - for instance, some payout monthly while others pay out lump sums on specific future dates. Because each is tailored to the individual case, the structure may also include some immediate payment.

Do I have to sell my entire structured settlement payment stream?

No. In many cases, partial buyouts are the best option for J.G. Wentworth customers. We help our customers carefully evaluate their needs to determine how much of their structured settlement payment stream they want to sell in order to build a transaction that provides them the most flexibility.

How long will it take to convert my structured settlement into a lump sum?

Transactions are typically funded within 60 to 90 days from the time we receive a completed contract and required documents from a customer. Each customer’s circumstances are unique, so completion times may vary. We understand how important your money is to you, and we work very hard to expedite every transaction.

Why should I work with J.G. Wentworth?

We combine a personalized approach to understanding your needs with: Experience: 20-plus years of experience purchasing more than $5.6 billion of future payments for more than 50,000 transactions. Efficiency: Our industry experience, originations and marketing techniques, and underwriting and financial markets skills combine to deliver our customers the cash they need now. Excellence: We focus on hiring the best people to work at J.G. Wentworth. Our people are trained to strive for excellence in what they do.

What products does J.G. Wentworth offer?

J.G. Wentworth specializes in purchasing many types of deferred payment streams, including structured settlement payments and annuity payments. We also offer personal loans, business loans, prepaid cards and mortgages.

I’ve sold part of my structured settlement payment stream before. Can you help me sell more?

Absolutely. J.G. Wentworth has a team of representatives dedicated to serving customers who have previously done business with us. Even if you have completed a transaction with another factoring company, we’d be happy to help you through your next transfer process.

Can you email me a quote for buying my structured settlement?

Every transaction J.G. Wentworth completes is unique, because each customer has a different set of circumstances. Our representatives customize each transaction to suit the customer’s specific needs. We can certainly email you a quote after receiving proper paperwork and speaking with you on the telephone. Once this is complete, we are able to offer a quote in just a few minutes. Call (855) 732-8011 now to get the process started.

Will selling my structured settlement payments for a lump sum have any tax penalties?

The federal government has designated any money coming from a pain and suffering settlement as tax exempt. As long as the sale of your structured settlement payment stream complies with applicable federal and state laws, you should not incur tax penalties. However, you should always consult with an independent tax advisor regarding possible tax implications of your sale.

How long does it take to get a quote?

With the proper paperwork, we can provide you a quote in just a few minutes.

I found a better offer, can J.G. Wentworth beat it?

We can try. J.G. Wentworth has achieved its status because of our experience, efficient processes and access to financial markets. Because of these factors, we are able to provide competitive pricing.

Will I be punished by my insurance company for selling my structured payments? What if my agreement states that this type of transaction is not allowed?

Absolutely not. Some policies state that this type of transaction is not allowed or that the payments are not assignable. Fortunately, in 2002, President Bush signed into law Internal Revenue Code section 5891, permitting these transactions.

Can I get a loan for my structured settlement from J.G. Wentworth?

No. J.G. Wentworth does not offer a loan for your structured settlement payments. Instead, J.G. Wentworth purchases the right to all or a portion of your future structured settlement payments in exchange for a lump sum of cash.

What type of experience does J.G. Wentworth have?

J.G. Wentworth was founded in 1992 on the principle that people with deferred payments, who previously had no way to raise money from their guaranteed future payments, should be able to use these assets to raise cash now. J.G. Wentworth is one of the pioneers in the structured settlement payment purchasing industry and has continued to grow its leadership. J.G. Wentworth has achieved AAA or equivalent ratings on various securitizations by Moody’s and/or S&P financial ratings services.

How do I get started?

J.G. Wentworth has completed more than 50,000 transactions and guides every customer through the process. The first step is to call J.G. Wentworth or fill out the form on the left. Call 855-732-8011 now to speak with a representative.
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