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Why JG Wentworth?
1
Over 30 Years in Business
We’ve been helping people with their finances since 1991.
2
Helped Over 375,000 Customers
More people have trusted JG Wentworth to take control of their finances.
3
Over 25,000 5-Star Reviews
2026 USA Today Most Trusted Brand, A+ BBB Ranking, 4.8/5 on Trustpilot.
JG Wentworth is the leader in structured settlements, annuities, and debt solutions. We are best known for purchasing future structured settlement payments and annuities in exchange for lump-sum cash payouts, helping individuals access funds they might otherwise have to wait years to receive.
Whether you want to sell your structured settlement payments, cash out your annuity, need help with debt, or are looking for cash now, JG Wentworth could help.
If you have a structured settlement or annuity that pays you in periodic installments, we will buy your future payments for a lump sum of cash now. We will also try and get you any desired cash advances while we work through your settlement so you don’t have to wait for your money.
We can also help customers with their debts, get cash for their pending lawsuits, shop personal loans, and explore other financial products that can help you get more of your cash now.
Debt consolidation merges multiple debts into a single, manageable payment. By combining various debts like credit cards, loans, or medical bills, it simplifies payments into one monthly installment.
This approach often offers a lower interest rate than the combined rates of individual debts, potentially reducing overall interest costs. It streamlines finances, making it easier to track and manage payments while potentially improving credit scores. Ultimately, debt consolidation aims to ease financial burden, offering a structured repayment plan to help individuals regain control of their finances.
When selecting debt consolidation services, key considerations include assessing fees, interest rates, and repayment terms offered by providers. Evaluate the credibility of the service, checking for accreditations and customer reviews. Ensure the consolidation plan aligns with your financial goals and budget. Scrutinize any additional benefits or potential drawbacks, like impact on credit score or hidden charges.
Confirm the security of your personal information and understand the terms and conditions thoroughly. Compare multiple offers to find the most suitable option that not only consolidates your debts effectively but also supports your journey towards financial stability.
Visit JG Wentworth.com for details regarding our product offerings.
This is not a debt consolidation loan. It is a program that helps individuals address unsecured debt by working with creditors to reduce the total amount owed and create a structured path toward resolution. It’s designed to help consumers become debt-free faster than making minimum payments alone.
JG Wentworth offers this program in the following states: AL, AK, AZ, AR, CA, CO, FL, ID, IN, KY, LA, MD, MA, MI, MS, MO, MT, NE, NM, NV, NY, NC, OK, PA, PR, SD, TN, TX, UT, VA, DC. If a consumer residing in any other state contacts us we may connect them with a law firm that provides similar services in their state. JGW is licensed/registered to provide these services in states where licensing/registration is required.
Program results will vary by individual situation. As such, these services are not appropriate for everyone. Not all debts are eligible for enrollment. Not all individuals who enroll complete our program for various reasons, including their ability to save sufficient funds. Savings resulting from successful negotiations may result in tax consequences, please consult with a tax professional regarding these consequences. The use of these services and the failure to make payments to creditors: (1) Will likely adversely affect your creditworthiness (credit rating/credit score) and make it harder to obtain credit; (2) May result in your being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money you owe due to the accrual of fees and interest by creditors or debt collectors. Failure to pay your monthly bills in a timely manner will result in increased balances and will harm your credit rating. Not all creditors will agree to reduce principal balance, and they may pursue collection, including lawsuits.
JG Wentworth does not pay or assume any debts or provide legal advice, financial advice, tax advice, or credit repair services. You should consult with independent professionals for such advice or services. Please consult with a bankruptcy attorney for information on bankruptcy.
Copyright © 2026 The JG Wentworth Company. All rights reserved
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.