The five steps
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You reach out
You send us a note on the contact page and tell us what you are thinking about. You do not have to decide anything, and you do not have to give us a phone number if you would rather not. One person here reads it and replies. If you would rather not be called, say so and we will not call.
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We look at your paperwork
We ask to see the documents that show your payments: the settlement or annuity paperwork, the payment schedule, your ID, and sometimes the court file from your original case. If you are missing something, say so. We work with what you have, and this step costs you nothing. If you are not sure what you have, our team is trained to help you get written verification of the future payments available for purchase, and we do that free of charge.
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You get an offer in writing
The offer names the payments we would buy, the amount we would pay for them, and the discount built into the price. Take it to someone who is not us before you sign it. Nothing is agreed until you sign, and you are allowed to say no.
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A judge reviews it
In Florida, a purchase of structured settlement payment rights has to be approved by a court under Fla. Stat. § 626.99296. The process includes a 20-day notice period under § 626.99296(4)(b), so the court and the interested parties have time before anything happens. A judge can approve the transfer, approve it with changes, or deny it.
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Approved transfer, then payment
If the judge approves, the transfer goes forward and you are paid as the order describes. If the judge denies it, there is no transfer. You keep your payments, and you owe us nothing.
Lottery winnings and annuities
We also look at lottery winnings, annuities, and other qualifying future payment rights. They are not the same asset as a structured settlement, and the rules are not the same.
Every structured settlement purchase needs a judge's approval. Lottery prize transfers and annuity transfers also often require court approval. Where approval applies, nothing about your payments can change without it, and you are part of the approval process and the final hearing.
If you already sold payments before, send us that paperwork too. An earlier agreement can limit what you are free to sell now, and we would rather see it early than find out late.
Want a real answer about your own payments?
You can ask us anything, including whether selling is a bad idea for you. No obligation, no pressure, and one human replies. If we are not the right fit, we will say so.
How long it takes
Weeks, not days. Anyone who tells you otherwise is guessing.
Several things have to happen in order: your paperwork has to be gathered, the transfer documents are drafted and sent to you, the 20-day notice period under § 626.99296(4)(b) runs, a petition is filed, and the court decides. Court calendars vary by county, and some judges want a hearing before they rule.
So we will not hand you a date. If a buyer promises you funding by a certain day, ask what happens if the judge says no that week. See the FAQ for the questions people ask us about timing.
What it costs you
Nothing up front.
No fee to ask
No charge to talk to us, no charge to send your paperwork, no charge for an offer. If nothing comes of it, you pay nothing.
We are paid by the discount
We buy payment rights for less than their face value, because the payments are often due far into the future. That difference is the discount, and it is how we make our money. There is no separate fee paid to us by you.
Get independent advice
Before you sign, talk to someone who does not work for us and does not get paid by us. A lawyer, an accountant, a financial advisor, or a person you trust. That advice is worth having.
The discount is the real number
The discount tells you what selling costs you compared with keeping the payments. It is disclosed in the offer in writing, and it is the number to look at hardest. Compare it with any other offer you have.
One more thing that protects you: nobody can buy your structured settlement payments without a judge approving it. That is true of us and of every other buyer. Read more on know your rights.
Is this a scam? Will I get harassed?
Short answer: no, and no. But do not take our word for it. Check.
A buyer cannot quietly take your payments
In Florida, the transfer has to be approved by a judge under Fla. Stat. § 626.99296. There is no private version of this where someone ends up with your payments and you never see a courtroom.
You reach us, not the reverse
We comply with do not call laws, we respect your privacy, and we do not sell your information to anyone. If you ask us to stop contacting you, we stop, permanently, on every channel.
You can check us, and you should
Ask for the offer in writing. Ask who is buying and on what terms. Ask your own lawyer to read the documents. A legitimate buyer answers those questions without flinching. Pressure to sign today means more than any promise made on the phone.
If someone is calling you about your settlement when you never asked them to, that is a red flag, and you have options. See how to check a buyer and how to make the calls stop.
What to do next
Read the FAQ if you want the short answers first. Read know your rights if you are checking us out or want to stop unwanted calls. And when you are ready, send us a note. No pressure, one reply, opt out any time.