Sell your Personal Injury Structured Settlement for a Cash Advance Today!

If you’re like thousands of Americans each year, you may be receiving payments from a personal injury structured settlement over time. But for many Americans, these structured settlements may not be enough for your living expenses or medical bills. For these people, selling your personal injury structured settlement for a lump sum payment may be your best option.

“If I’m out of work for a year due to my leg, I don’t know how I’m gonna pay for my kid’s college,” said Anthony Caputo, who was injured on a construction site in Atlantic City, New Jersey. Caputo tried other ways of getting a settlement advance, then turned to RSL Funding, a structured settlement buyer based in Houston, Texas. “They bought my personal injury structured settlements and quoted me a lump sum of cash, on the spot. It really saved my butt,” he added.

Caputo is just one of thousands who turn to companies like RSL each year to sell their structured settlement payments, annuities or lottery winnings. RSL even offers a free quote online if you want to sell your annuity for a near-immediate lump sum payment. So if your personal injury structured settlements just aren’t getting you through, contact a structured settlement company to get fast cash now!

Is a Structured Settlement Company that Advertises Heavily a Better Company to Sell your Periodic Payments to?

There’s an old maxim we hear often, especially applied to television and the Internet: “Don’t believe everything you hear or read.” We hear it so often because it’s sage advice, and one needs to keep it firmly in mind when looking for a structured settlement company to sell your periodic payments to.

Recently, John Darer, the blogger who produces the Structured Settlements 4 Real site, wrote a revealing case study of a “’cash now’ consumer with buyer’s remorse.” This consumer had contacted the two biggest advertisers, J.G. Wentworth and Peachtree Settlement Funding, in order to find more information about getting a lump sum of cash for his periodic payments. After receiving offers from both companies, he contacted Darer after finding his blog on the web.

“Neither of the offers from big advertisers were anywhere near competitive, ” Darer writes. “…SHOP AROUND FOLKS, SHOP AROUND. IF YOU WANT A GOOD DEAL, IGNORE THE BIG CASH NOW ADVERTISERS YOU SEE ON TV NO MATTER HOW AMUSED YOU ARE WITH THEIR ADVERTISING!”

RSL Funding, LLC, understands that you have choices as to which structured settlement company you can sell your structured settlement or annuity payments to. Not a broker, RSL Funding closes your transaction with their own cash; they’re committed to helping people gain liquidity from long-term, insurance-based payouts. Call 800-543-6513 to speak with an account representative seven days a week or go online to get a free quote today

Structured Settlement Company J.G. Wentworth’s Bankruptcy was Preceded by Questionable Business Practices

Did “Heartless” Business Practices Lead to a Structured Settlement Company’s Bankruptcy?

The structured settlement industry isn’t all about numbers. All good businesses need to keep in mind that they’re providing services to their clients—and a key component of those services should be flexibility and a certain degree of compassion.

When J.G. Wentworth filed for bankruptcy in May of last year, some were surprised. The structured settlement company had spent millions on television advertising, carefully crafting an image that promoted consumer empowerment.

But for some, the bankruptcy seemed inevitable, and was preceded by less-than-compassionate business practices. “When I contacted them they kept me on hold for a long period of time and the phone would disconect. Late September I contacted another annuity company about doing a transaction. I recieved papers from the other company and sighned them. At the same time I sent JG Wentworth a cancelation letter telliing them I’m no longer intrested in their services,” one dissatisfied customer wrote on the Ripoff Report website. “When I got all of my paperwork in to this other company they told me that I couldn’t go forward because JGW won’t let me cancel with them. I have contacted JGW numerous of times about canceling and they won’t do it. I’m a disabled single mother of one girl on a fixed income. My daughter does not have any winter clothes,I’m on the verge of being evicted,my electric and phone will be shut off soon”(http://www.ripoffreport.com/financial-services/jg-wentworth/jg-wentworth-very-heartless-pe-6a8e2.htm).

When the Empowered Become Prey

There’s one heart-breaking post on the Ripoff Report website that serves to illustrate the role of compassion in business. The story comes from Fort Ashby, West Virginia, and involves a troubled young woman who trades the settlement from her brother’s wrongful death for a lump sum of cash against the better judgment of her family.

“My 15 year old nephew was killed 5 years ago, in his home in Martinsburg, WV by a 9 year old holding a loaded 30 odd,” the writer relates. “His father who had basically nothing to do with his son for YEARS and lives in SD, felt compelled to sue my sister’s home owners insurance. Don’t ask me how he got away with that. Anyway, they awarded him $100,000.00. $35,000.00 was to go to my niece in payments starting at the age of 18.”

The niece, at age 18, received her first disbursement—and promptly spent it on drugs. Unable to get more money from her father, the troubled young woman turned to J.G. Wentworth to cash in her structured settlement for a lump sum of cash. To the structured settlement company, she was just another settlement. They obtained the money for the young lady, and once again she spent it on drugs, ending up on life support.

“I want to know how JG Wentworth can get away with preying on people the way that they do. They are greedy money hungry people who preyed on a naive 18 year old with learning disabilities that did not FULLY understand what they were telling her. In my eyes, this amounts to stealing. She REALLY did not understand. All she knew was that she was getting money”(http://www.ripoffreport.com/con-artists/jg-wentworth/jg-wentworth-preying-harrassm-b7e48.htm).

A Responsible Structured Settlement Company

J.G. Wentworth’s troubles aren’t representative of the entire structured settlement industry. Thankfully, companies like RSL Funding, LLC, retain responsibility throughout the life of your structured settlement transaction and ensures court rulings are honored and proper divisions of money occur. If you’re in the market to sell your structured settlement or annuity payments, RSL Funding can be a powerful ally, treating you fairly and honestly. Call then today at 800-543-6513, or fill out a quick and convenient quote request form at http://www.rslfundingllc.com/.

You Can’t Believe Everything You See on TV

Peach Holdings, the parent company of Peachtree Settlement Funding, recently had its credit rating evaluated by Standard and Poors as “CCC.” According to the Standard and Poors rating system, this means that Peachtree Settlement Funding has “extremely vulnerable financial security” and has a “questionable ability to meet obligations unless favorable conditions prevail.”

What does this mean for those seeking to sell their structured settlement or annuity payments for a lump sum? It means that choosing a structured settlement company has become something that must be more carefully researched and weighed–finding a company that will deal with you honestly and honorably is essential.

Does Peachtree Settlement Funding Engage in False Advertising?

It’s been asserted before that Peachtree Settlement Funding engages in false advertising. According to John D. Darer, the blogger who writes the Structured Settlements 4 Real blog,

Peachtree Settlement Funding is the “cash now pusher” infamous for falsely advertising “all your money now” and for jacking up Florida woman Patricia Chambers for a 41.73% effective discount rate in March 2007 (and submitting the petition to a judge with a straight face).

The issue that Mr. Darer has with Peachtree’s advertising practices stems from its use of the phrase “Cash Now” in its radio and internet advertising. Mr. Darer asserts that this can hardly be correct–the settlement factoring process is far from immediate.

More Advertising=Higher Rates?

It makes sense that a company in such a financial predicament would increase its advertising budget. After all, adveretising is one effective method to increase leads. But where does the revenue to pay for increased advertising come from?

The obvious answer is that this revenue comes from YOU, the structured settlement client. More advertising means less lump sum cash for your periodic payments.

That’s not something you have to deal with when you go to a company like RSL Funding, LLC. RSL Funding is not a broker. As a principal, they close the transaction with their own money. While other settlement buyers sell your settlement or annuity – leaving you to deal with a third party collecting your settlement – RSL Funding remains responsibile throughout the life of the transaction, ensuring that the court’s rulings are honored and that proper divisions of money occur.

Their expertise and creativity let them find solutions at NO COST to you. Visit the RSL Funding website at http://www.rslfundingllc.com/, or call them at 800-543-6513, and start dealing with an honest structured settlement company today.

What happens to you when your annuity buyer goes bankrupt?

Last year, J.D. Wentworth, Inc, filed for Chapter 11 bankruptcy protection. According to Philadelphia Business Journal’s Jeff Blumenthal,

“The company sought acceptance of its plan from its lenders before what is called a prepackaged filing. More than 90 percent of the term lenders approved, the company said. J.G. Wentworth said the plan will allow it to substantially reduce its debt load while providing the enterprise with $100 million of new equity to support ongoing operations. Its operating units will continue to conduct business without interruption during the reorganization process, which is expected to be completed within roughly 30 days. The company said it also secured a commitment for debtor-in-possession financing to supplement its working capital and provide adequate liquidity during the proceedings.”

Should this worry the structured settlement company’s customers? No doubt you’ve seen their television commercials quite a bit lately.Both J.D. Wentworth and Peachtree Financial seem to have stepped up their presence in television advertising in recent months. These recent developments in the structured settlement and annuity buying markets has prompted many to wonder: what if I’m selling my annuity or structured settlement, and the company I’m doing business with goes bankrupt?

If you’ve already sold your structured settlement or annuity, there’s nothing to worry about

“When a life settlement buyer files for bankruptcy,” Investment News‘ Darla Mercado writes, “insured individuals who have already sold off their policies are often the ones who end up least injured, as they have already collected their lump sum. However, insurance policies and annuities in the process of being sold may be up in the air.”

It’s enough to make anyone looking into selling their annuity or structured settlement pause. Miles Erie,an auto mechanic with a court settlement who harbors dreams of opening his own shop, compared companies and did research when he was considering selling his periodic payments. “I don’t know if I’m comfortable with a company that’s restructured like that and has such an aggressive presence on TV,” he said.

But you don’t have to worry about that with a company like RSL Funding, LLC. Many of our clients are those who have found other settlement companies unable to finalize their transfers. Our affiliated legal department enables us to expedite the purchase of your settlement; and our ability to get you immediate cash for collateral gives RSL Funding its well-earned reputation for reliable performance.

Selling your Annuity and Settlement Payments? How an Annuity Quote can help

As you’re planning your retirement strategy for the years ahead, one option you may consider is the purchase of an annuity. But what if you’ve already purchased an annuity, and an emergency arises? Getting a good annuity quote on your periodic payments will allow you to be selective about choosing a structured settlement company to sell them to.

What is an Annuity Quote?

In the past, annuity holders had to retain them for life—even if they needed to provide for unforeseen financial hardships.In 1988, the SEC allowed the sale of annuities; since then, investors have been able to sell all or part of their future annuity payments.

Companies like RSL Funding, LLC, can provide you with a free annuity quote, right on their web site. Their professionals staff are experts in helping clients sell annuity payments they no longer wish to receive in exchange for a lump sum of cash.

Why you should get an annuity quote

Getting a good annuity quote ensures you get to choose the offer that’s right for you. It’s an important decision, and it helps to have as much data as you can.

How to Sell Your Annuity

Annuity Buyers Assist Cash-Strapped Families, Helping Them Sell Their Annuity Payments

Everyone’s feeling the cash crunch these days. Since the current recession began in 2007, 8.6 million jobs have been lost, according to the Bureau of Labor Statistics. With many mainstream Americans cutting back their own spending and relying less and less on sources of credit, and the job market still reeling from heavy losses, the need to explore alternative cash options has gained new urgency. This is where annuity buyers come in.

Why Should You Sell Your Annuity

Single mother Christine Molnar didn’t know what to do. When the local coffee shop she had worked at for seven years went under, it left her cash-strapped and worried that she wouldn’t be able to provide for her two children, 14-year-old Aden and 12-year-old Jasmine. To add insult to injury, the engine of her 1998 Pontiac Grand Prix decided that this was the perfect time to give up the ghost. How would she be able to get another job without reliable transportation?

She thought back to the annuity she had bought from her insurance company a few years ago. She still had months before the next disbursement. If only she could tap into it now, she could buy a new car and be able to feed her family as she looked for another job.

What An Annuity Buyer Can Do For You

Annuity buyers and structured settlement companies comprise a recently-emerged, specialized industry that focuses on helping people just like Christine to sell their annuity payments for a lump sum. An annuity buyer like RSL Funding, LLC, has refined the process of buying structured settlement and annuity payments, and can get cash to their clients quickly and efficiently.

When Christine visited their website, she was amazed at how quick and easy the process was. Her account executive provided her with a quote that same day, and it was only a short time later RSL Funding advanced her a portion of the lump sum. She used the money to put a down payment on a new car.

There can be many reasons people receive annuity payments. They could have been a lucky state lottery winner or received a settlement in court. They may even have received an inheritance.

In the past, these annuity-holders had to retain their annuities for life, even if ,through other investments, they could possibly garner greater returns. The SEC allowed the sale of annuities in 1988; since then, investors have been allowed to sell their annuity payments. The money from selling annuity payments can be used to start up a business, provide for unexpected financial hardships, purchase a home, or for other investments.

Annuities are supposed to carry on through retirement, but differ from Individual Retirement Accounts, or IRAs. If you have an IRA, you can usually transfer the money from one account to another when your employment situation changes. Annuities aren’t quite so flexible.

When deciding to get cash for your annuity payments, there are several points to weigh. In selling your annuity payments, can you get a good return on the initial investment? Will seeking cash for your annuity payments help you reach certain financial goals you may have? How are the interest rates currently compared with when the investment was first made? And finally, are you losing money with the annuity?

RSL Funding will ensure that the sale of your annuity is the right decision. Their experienced professionals assist you with a free quote, help you in investigating your options and guide you to a suitable solution when selling your periodic payments.