Archive for the ‘Uncategorized’ Category

What to Do When You Need Advance Cash Settlements

Monday, April 11th, 2011

Need Advance Cash Fast? Get A Lump Sum Payment on Your Structured Settlement

Throughout the course of one’s life, it is always beneficial to have money. However, the exact form in which it is ideally received is by no means always the same. No two people have the exact same financial needs, and as such no two payment packages should be approached in the same way. We at RSL Funding are with you today in order to discuss the benefits of one particular type of payment package, the lump sum.

Are you currently holding on to what is known as a structured settlement, otherwise known as a series of periodic payments? Do you need money ‘pronto’ without the risk and failure associated with various get-rich-quick schemes? Then RSL Funding is glad to offer you a pair of things on this fine day: a solution to your financial troubles as well as a dependable channel through which you will get the payment you rightly deserve.

There is a time and place for just about anything imaginable in this world. As such, there is a time and place when the consistency associated with structured settlements is right for you. However, perhaps now isn’t the time. Perhaps you really need to make a rent payment, or desperately need to buy that engagement ring before the wedding starts. You might possibly need to place an extension on your house, or even make tuition payments for the sake of your children. The common thread in all of these scenarios is that someone can’t afford to wait for money. If that someone is you, rest assured that RSL Funding is prepared to give you the best possible rate on any structured settlement payments you may possess. After all, we know that quantity is relevant, and that you can’t put a piece of your child in school or part of a ring on someone’s finger.

If you believe that there is no productive way to use the capital from selling a structured settlement right now, think again. There are as many ways to use money in this world as there are stars in the sky – surely many among this boundless expanse of options are viable to you. Maybe you want to meet halfway and utilize some of your money now and hold some in advance for a rainy day. Then, a settlement advance may be right for you. Or, you may simply want the liquidity of being able to use whatever funds are necessary for a given situation before one arises. That’s a perfectly valid reason to consider selling your settlements – remember, you’ll be conserving as much money as possible by dealing with us, unlike certain competitors which we will not name.

What if nothing dire is going on in your life right now, but you wish to draw upon some of your resources by selling some structured settlement payments? That’s just fine, we won’t judge – the money in a structured settlement is as much yours as that contained in a paycheck. A vacation paid by either form of finance will be just as sweet, after all. But you may ask: “But, won’t I receive less money today than I would in the long run by forsaking my structured settlement?” Not necessarily. What may be the principal disadvantage of structured settlements is that they do not accrue interest. What does this mean for the holder of such a settlement?

For one thing, the money you have agreed to receive periodically will not – on paper – increase at all. $5000 dollars in your structured settlement one year will remain $5000 the next. In sharp contrast, if that same $5000 were to be in your direct possession, you could place it in a bank and collect interest payments; the amount of money you would then have in say, a year would be its future time value. If you’re a patient individual and want to receive more money in the long run, holding on to a structured settlement payment may not be the best way to go. In this way, you could end up with more money today and tomorrow by parting with a structured settlement. Interested yet? So are we at RSL Funding.

Need Holiday Cash Fast?

Thursday, December 23rd, 2010

Sell Future Payments on Structured Settlements for a Lump Sum Now!

cash for future payments
With the holiday season in full swing, many families finds themselves struggling for fast cash payments they can use towards gifts and other expensive seasonal necessities. If you’re on a fixed budget and need a lump sum of cash now, consider selling your future payments to RSL Funding for a lower interest rate today.

Ray Watts of Trenton, New Jersey is just one of thousands of structured settlement owners who turned to RSL when he needed cash. “I wanted to make this Christmas extra special,” he said, “I even tried getting a second job, but by December, I knew I wasn’t gonna make it. That’s when I decided to sell my annuity.” Ray got a free quote from RSL the same day, and a lump sum of cash in his pocket within 48 hours.

RSL Funding offers the lowest rates among structured settlement buyers, consistently offering more money than competitors such as Imperial Structured Settlements and Peachtree Settlement Funding. So if you’re in need of a fast cash settlement for your future payments on structured settlements, call RSL today or click here for a free quote.

Structured Settlement Company’s Stock Overvalued

Monday, October 18th, 2010

Imperial Holdings Targets Naive Consumers with TV Ads Advertising Obsolete Rates

Boca Raton-based structured settlement purchasing company Imperial Holdings, LLC has stooped even lower in its desperate attempt to hang on to its antique business model of charging exorbitant rates to its customers. The company is attempting to raise $287 Million in stock based on estimates made mostly prior to the current financial crisis.

While others in the structured settlement factoring industry have lowered their rates to adjust to today’s market, Imperial disclosed in its August 2010 SEC filing it regularly charges its customers interest rates of 17% per year. But a company spokesperson admitted under testimony the company’s interest rates were actually even higher, on average 18-20% on cash payments for structured settlements.

In the same testimony, Imperial’s spokesperson stated the company acquires most of its customers through extensive television and cable advertising. Research in the structured settlement factoring industry has shown that customers acquired through television are less likely to be informed of current industry rates, and are subsequently overcharged the most.

Imperial, formerly known as Washington Square Financial, LLc, has been filing lawsuits against competitors who offer lower rates to Imperial customers for their structured settlements. But they suffered a setback after the New York Supreme Court in a suit against RSL Funding ruled Imperial’s rates were “…neither fair nor reasonable taking into account the actual amount [the customer] would be receiving.”

The $287.5M Initial Public Offering was announced after because the structured settlement company was in need of capital. The company stated in its filing that “at certain points, we were unable to get any debt financing”. That alone should worry investors, but the company’s inflated value, based on interest rates from 2008 and 2009, should make attracting backers difficult.

For further background on Imperial, RSL Funding and the structured settlement factoring industry, read this press release put out by the Structured Settlement Institute (SSI).