Our Blog
Are Annuities a Good Investment?
You’ve undoubtedly heard it again and again. From articles and TV commercials to friends and family, plenty of folks are talking about the benefits of investing in annuities to guarantee yourself a steady income in your Golden Years… but are they a good choice for you?
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Understanding the Debt Collection Statute of Limitations
If you or someone you know has ever been in debt, you’ve probably heard the term "statute of limitations" being tossed around… but do you know what it actually means? Time for a deep dive!
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How to Negotiate a Cash Settlement With an Insurance Company
Do you find yourself needing to negotiate a cash settlement with an insurance company? Don't worry, you're not alone. Many people find themselves in this situation after experiencing an accident or loss. In this article we’ll explore the ins and outs of the negotiation process, including how to prepare for it, and some of the things you should consider along the way.
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How to Pay Off a Debt in Collections
If you are struggling with credit card debt that is significant enough that a collections agency is involved, life can be pretty darn stressful. From phone calls and texts to notifications in your mailbox and email, it’s tough to feel like you’ll ever escape this never-ending situation.
Don’t worry: all is not lost. We’ve helped many customers in situations just like yours over the years, and we’ve got some tips to help you resolve that debt and get back on track financially.
How Long Does It Take to Receive a Structured Settlement?
If you settle a legal claim and will be receiving structured settlement payments is in your future, you may be wondering how long you can expect to wait to receive your first payment. Obviously, waiting times can vary because everyone’s situation is unique. However, understanding the factors that can affect the timeline is a great way to manage your expectations so you can start planning your new financial future
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What is a Debt Validation Letter?
Debt can be confusing, especially when you owe to multiple parties. See how a debt validation letter can help you get a clear picture of exactly what you owe.
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What are the Legal Risks of Being in Debt?
In many ways, financial stability is a lot like being in good health. It isn’t until we fall out of those categories that we truly appreciate how much simpler life can be without medical or financial challenges.
Health issues often carry complications with them such as daily medicine, strict diets and the stress of monitoring blood pressure, blood sugar levels or any number of other things that many of us never need to think about. Similarly, financial issues like debt lead to plenty of complications that the debt-free world is never faced with – especially when it comes to legal issues.
How To Prepare for a Recession
There are lots of terms and phrases that we hear all our lives without every truly knowing exactly what they mean or how they work. Tax write-off. Algorithm. Supercalifragilisticexpialidocious. However, there’s one word that being discussed an awful lot lately: recession.
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What to Look For in a Severance Agreement
Being let go from a job can come as a shock—and the last thing you want to do when you get that bad news is try to understand a complex contract. So what should you do if you’ve been fired or laid off? If your employer gave you a severance agreement, knowing what to look for can help you minimize the stress of losing your job and looking for a new role.
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How to Make a Retirement Plan with Your Family in Mind
If you’re starting to plan for retirement and have family that could depend on you financially at some point, there are a few things that you can start doing now to offset the effects of the staggering retirement savings crisis.
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How to Get Money from a Structured Settlement
If you have a structured settlement, it’s likely that you’ve encountered the frustrating issue of having money that rightfully belongs to you trapped in a future annuity payment. But it’s possible to get a lump sum for your structured settlement payments. If you need money now, not later, then selling might be the best solution for you!
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How to Calculate Your Debt-To-Income Ratio
Your debt-to-income (DTI) ratio is a helpful—but often overlooked—tool for measuring your ability to repay your debts successfully. Knowing your DTI can give you insight as to how long it might take you to repay your debts and whether you can afford to take on more debt.
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4 Signs Debt Consolidation Is Right for You
If you’re in debt, you may be looking desperately for any way to get out of it before it gets out of hand. Here are four reasons getting a debt consolidation loan might be a good idea for you.
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A Guide to Debt Re-Aging
What does it mean when old debt appears with a newer date on your credit report? This guide covers how debt re-aging could be a good thing sometimes and how it might violate the Fair Credit Reporting Act other times.
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Bankruptcy: A Complete Guide
Bankruptcy seems daunting - so why do so many people choose to file each year? Our helpful guide sheds light on what bankruptcy is, how it works, and why someone might choose to pursue it.
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A Guide to Combining Your Finances with Your Partner’s
Every couple thinking about cohabitating or getting married needs to have a conversation about finances—and doing a complete survey of your finances together can be a huge deal. Much of the tension in this conversation comes down to how to draw the line between the couple as a solitary unit and the couple as two individuals. If you're considering consolidating your finances with a spouse or cohabitating partner, here are some useful strategies that could help you manage your finances together.
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A Guide to Everything You Want to Know About Credit
Whether you’re just beginning to learn the basics of personal finance or you’ve been managing your money for a while, chances are there's a lot you still have to learn about how credit works. If you’ve ever found yourself scratching your head about anything credit-related, this is the guide for you.
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How to Cope with Financial Stress
Taking care of your mental health is taking care of your financial health, and vice versa. We've gathered some actionable tips for breaking the seemingly never-ending cycle of financial difficulty and mental health issues.
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What Makes Debt Settlement Worth It?
Debt settlement is a big commitment toward pursuing a healthy financial future - so what are the results that make it worth the effort? We asked real JG Wentworth customers to share some of the major benefits of debt settlement.
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4 Smart Money Management Tips for College Students
Learning financial literacy at an early age can make a significant difference when you enter the workforce. Taking control of your finances before you graduate can help offset college expenses and ensure there is cash on hand if emergencies arise
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NFL and College Football Tailgating on a Budget
If you’re thinking about tailgating this season, but would rather it didn’t cost you an arm and a leg, here are five great tips on having a fun tailgating day while also sticking to a budget.
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Selling Your Annuity for Retirement
Everyone cares about their retirement – it’s something people work and plan for their entire lives. And like other potential income sources – such as savings accounts, 401(k)s and Social Security payments, to name just a few – annuities can be an extremely important part of any retirement plan.
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Collection Agency Dispute Letter Template
In today's world, debt collection agencies have become increasingly common. Whether you owe money for medical bills, credit card debt, or even student loans, it's crucial to understand how to handle these situations effectively. One of the most important tools at your disposal is a dispute letter. If you find yourself in a situation where you need to dispute a debt, a dispute letter can be a powerful tool to fight back against unfair or inaccurate claims made by collection agencies. In this article, we’ll explore the ins and outs of creating a collection agency dispute letter template and offer tips on how to make it as effective as possible.
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Are Annuities Taxable?
If you're considering investing in annuities or already have one, you might be wondering about their tax implications. Are annuities taxable? Well, the answer is not as straightforward as you might think. In this article, we'll dive into the world of annuities and unravel their tax intricacies.
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How to Tell if a Debt Collector Is Legitimate
Struggling with debt is frustrating enough on its own, but that stress only gets worse when debt collectors get involved. The letters, the phone calls, and the emails from companies you’ve never even heard of can seem never-ending, all to demand payment for debts you may not even remember owing. In these cases, you need to figure out if the debt collector is legitimate or if you're being targeted by a scam.
Sounds daunting, doesn’t it? No worries - just keep reading and learn how to protect yourself against con artists with ease.
Does Debt Relief Hurt Your Credit Score?
A Debt Relief program (like JG Wentworth’s) can be a fantastic way to jumpstart your financial future. By negotiating with your creditors, experienced Certified Debt Specialists can often settle your debts to significantly lower the amount you owe and create a manageable path to resolving your debt once and for all.*
Simpler, quicker and more effective than making partial monthly payment? Seems like the perfect way to leave your debt in the proverbial dust. However, it’s important to understand the potential ramifications of this Debt Relief method in order to truly decide if it’s the best path for you.
Try the JGW 70-Day Financial Fitness Challenge
When it comes to improving your financial life, it takes discipline and consistency. You need to commit to yourself to form healthy financial habits and meet your goals. That’s why we’ve started the 70-Day Financial Fitness Challenge!
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Everything You Need to Know About Buy Now, Pay Later Services
In the last few years, you’ve probably noticed an increase in “buy now, pay later” (BNPL) options for your online purchases. So what is BNPL—and what are the risks of using it?
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How Being Single Affects Your Financial Life
If you’re single and financially independent, you’ve probably noticed that our financial system seems to be designed with married couples in mind. Almost inexplicably, there are tons of perks given to people who get married and stay married that single people can’t reap. So where does that leave singles' finances?
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4 Strategic Ways to Use Credit Cards
How can you get the most out of your credit cards? Here are four common ways that people use their credit cards strategically.
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Top 5 FAQs About Dealing with Debt Collectors
Getting a call from a debt collector can be incredibly stressful. We’ve answered some of the most common questions people have about dealing with debt collectors, so if you’re ever contacted by one, you know what to do!
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What's the Difference Between Debt Consolidation and Debt Resolution?
There are a lot of words thrown around about strategies to free yourself from your high-interest, unsecured debts. What are the similarities, and what are the differences between these terms?
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What Happens to Your Debt When You Die?
Although it may be a difficult subject to broach, it’s natural to wonder—what debts are forgiven when you die? And when you’re gone, who is responsible for paying off your remaining debts?
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Financial Goals for Every Decade of Your Life
Becoming financially stable doesn’t happen overnight; rather, it’s an intentional process that takes a lot of time and planning to get on track. Setting goals for yourself and sticking to them is a great way to set yourself up for financial well-being throughout your life, from the start of your career through retirement and beyond.
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4 Shocking Facts About Gen X's Finances
As they near retirement age, many Gen Xers are looking into their financial future and grappling with the potential of unfavorable outcomes in the face of economic and social instability. Here are four interesting facts about the typical Gen Xer that exemplify the unique financial circumstances Americans born between the mid-’60s and mid-’80s face.
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5 Future-Minded Ways to Use Your Structured Settlement Funding
If you want to make your structured settlement payments work for you and your loved ones in the long run, it's wise to find ways to use your funding that add value to your net worth. We've compiled a list of common ways people use their payments to invest in their future.
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An Interview with Sheena Monk, Pro Racecar Driver
Sheena Monk drives the JG Wentworth Ford Mustang GT4 #877 as part of an exciting brand partnership. We caught up with Sheena, who talked with us about all things racing, life, and her partnership with JG Wentworth.
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What Happens to Your Structured Settlement When You Die?
Planning for death can be a difficult conversation to breach, especially when it comes to personal finance. But if you have a structured settlement, it’s in your loved ones' best interest for you to start planning now. We've broken down some of the things you should think about when deciding what will happen to your structured settlement payments when you pass.
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Is Debt Relief Right for You?
If you’re overwhelmed by debt, you might be considering debt relief as a way back on track. We've broken down who qualifies for debt relief and some major factors to think about before jumping in.
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Using Structured Settlement Payments to Pay for Home Renovations
You spent a lot of time looking at places before you made the decision to buy your home. For you, it might’ve been the best choice, but that doesn’t mean that everything about the property is perfect. Chances are you had ideas on how you could improve your home from the first month you moved in, if not before.
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5 Best Home Improvement Projects Worth the Investment
As more people are continuing to work from home, it’s easier to notice areas that can use improvement. Renovations can have practical and aesthetic value, while also boosting curb appeal if you choose to sell or lease your home.
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How can we help?
Contact JG Wentworth today to find out how we can help you.
JG Wentworth does not provide financial advice and its representatives are not financial advisors. The information on this site is not intended or implied to be a substitute for professional financial advice. All content, including text, graphics, images and information, contained on or available through this website is for general information purposes only.