Hey, take a breath for a sec.
If you’re here, I’m guessing you either just got a settlement from a lawsuit or maybe you’re looking at those monthly structured settlement payments and wondering:
“Is there a smarter way to handle this?”
Or maybe, let’s be real, you’re tired of waiting years to get your own money while bills, emergencies, and life keep happening.
I get it, trust me. My cousin went through this after a car accident settlement, and the truth? Navigating structured settlements can feel like learning a different language, especially when companies start throwing around phrases like “annuity liquidity” and “discount rates.”
This guide is gonna break it down in plain English, so you can see if selling your structured settlement (or part of it) makes sense, who to trust, and what red flags to watch for.
Wait, What Exactly Is a Structured Settlement Again?
Just in case you’re still fuzzy: a structured settlement is when you get your lawsuit payout in regular payments over years, instead of one big lump sum.
It can be good if you need consistent income, but let’s be real, sometimes life doesn’t work in neat monthly payments. Medical bills, moving expenses, debt payoff, emergencies—sometimes you need more cash now, not in 10 years.
That’s where structured settlement companies come in.
They buy your future payments and give you a lump sum now. You get less than the total value (because they profit), but you get cash when you need it most.
Ojo: Should You Sell Your Structured Settlement?
Te lo digo por experiencia (or at least from seeing people I know go through this): Selling your payments is a big deal.
Pros:
✅ Get cash for emergencies or debt payoff
✅ Invest in something (school, business, home)
✅ Stop stressing about waiting for small payments
Cons:
❌ You’ll get less than the total payout
❌ It’s permanent—you can’t undo it
❌ Scams exist (and some offers are brutal)
Before you decide, I recommend:
- Talking to a financial advisor or trusted family member.
- Comparing offers from multiple companies.
- Making sure you’re using the money for something that truly improves your life (not just a shopping spree, you know?).
Real Example: Why Timing Matters
Take Marcus from Florida (name changed). After a workplace injury settlement, he was getting $1,200 per month, but his family was drowning in credit card debt and his car kept breaking down.
He decided to sell a portion of his payments, got a lump sum to pay off debt, and bought a reliable car to keep working.
Marcus didn’t sell all his payments—he kept some for monthly stability. Smart move. Selling part instead of all is an option many folks don’t realize they have.
What to Look For in a Structured Settlement Company
Not all companies are created equal, and I’m not gonna lie, some take advantage of people who need cash fast.
Here’s what matters:
✅ Transparent Rates: They clearly explain how much you’re getting vs. what your payments are worth.
✅ No Pressure: They let you decide, no aggressive calls pushing you to sign.
✅ Experience: They’ve been around and have real reviews.
✅ Legal Support: They help with court approval, which is required in most states.
✅ Partial Purchase Options: You can sell part of your payments instead of everything.
The Top Structured Settlement Companies in 2025 (Expert Comparison)
I did the homework for you and checked reviews, track records, and user experiences.
1️⃣ Peachtree Financial Solutions
- Been around for 25+ years.
- Known for decent rates and clear process.
- Offers partial buyouts.
2️⃣ JG Wentworth
- “It’s your money, use it when you need it!” (yeah, you’ve heard the commercial).
- One of the largest, with deep resources and fast turnaround.
- Offers advances while waiting for court approval.
3️⃣ Fairfield Funding
- Smaller company but known for personal service.
- Works on getting better lump sums and will match competitor offers.
4️⃣ Stone Street Capital
- Around since the early 90s.
- Competitive offers and clear communication.
- Good for people who want clear, straightforward transactions.
5️⃣ Olive Branch Funding
- Newer but gets good customer feedback for transparency.
- Helps guide you through the court approval process.
6️⃣ DRB Capital
- Known for flexible options (partial or full payment sales).
- Competitive rates and fast closings.
7️⃣ CBC Settlement Funding
- Smaller firm with strong customer reviews.
- Offers educational resources so you understand your decision.
All of these companies offer free quotes, so don’t hesitate to shop around.
How the Process Actually Works
A quick rundown:
✅ You get a quote for your payments.
✅ You decide if you want to sell all or part.
✅ The company files for court approval (required in most cases).
✅ You get your lump sum.
It usually takes 30-90 days from start to finish.
Tips Before You Sell
✅ Compare Offers: Don’t take the first deal. Get at least 3 quotes.
✅ Ask About Fees: Some companies hide fees in the payout.
✅ Know Your Discount Rate: Lower is better.
✅ Consider Partial Sales: Keep some payments coming while getting cash now.
✅ Talk to a Trusted Advisor: Even a quick chat with a financially savvy friend can help.
FAQ About Selling Structured Settlements
💸 How much will I get if I sell my payments?
Usually 50-70% of the total value depending on the company, your payment schedule, and the discount rate.
🕑 How long does it take?
About 30-90 days because court approval is required.
⚖️ Is it legal?
Yes, but court approval ensures it’s in your best interest.
🏦 Can I sell just part of my payments?
Yes! Partial sales are common and can be a smart move.
Tools to Help You Plan
📲 Mint or YNAB (You Need A Budget) – To track your budget if you get a lump sum.
📑 Google Sheets – List your debts or priorities to decide how to use your funds.
📸 CamScanner app – Helps scan and submit required documents easily.
Final Thoughts: You Deserve to Take Control
Life’s messy. Accidents happen, and sometimes structured settlements feel like a blessing and a curse.
No judgment here: if you need cash now to get your life in order, pay off debts, or invest in your future, selling part of your structured settlement can be a tool—not a failure.
Just do it smartly:
✅ Take your time.
✅ Compare offers.
✅ Use the money wisely.
You’ve already gone through enough to get this settlement. Now it’s about using it in a way that brings you peace of mind and stability for your future.
If you found this guide helpful, bookmark it or share it with a friend who’s thinking about selling their settlement. You deserve the clarity to make the best choice for your life.
📌 Quick Recap:
✅ Structured settlements = steady payments, but life doesn’t always wait.
✅ You can sell all or part for a lump sum.
✅ Compare quotes and understand discount rates.
✅ Top companies for 2025: Peachtree, JG Wentworth, Fairfield Funding, and others.
✅ Take your time and use your money smartly.