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Sell Your Structured Settlement: Frequently Asked Questions
| What Is A Structured Settlement? |
| A structured settlement is a when court-awarded compensation is paid over a set number of installments instead of a lump-sum. Structured settlements are often set up for personal injury and malpractice awards and each is unique depending on the case and the needs of the plaintiff. These settlement payments can be set up to be paid over months, years, or even decades. Structured settlements are set up for the long-term benefit of the plaintiff and selling all or part of a structured settlement should be done only after careful evaluation.
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| Why Would I Want To Sell My Structured Settlement? |
| At the time your structured settlement was established, you had a set of needs and expectations about the future. Life often changes and your circumstances today are different than when your structured settlement was set up. You may need to pay for unexpected healthcare, tuition, home repairs, or other family emergency. Or perhaps you wish to buy a home or take advantage of a business opportunity. For these and many more reasons, a lump sum payment today makes good sense.
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| How Much Does It Cost To Sell My Structured Settlement? |
| That depends on how far into the future the payments that we buy are scheduled. We charge no up-front administration fees, so your lump-sum payment is the present-value of the future structured settlement payments that we are buying from you.
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| What Is The Process To Sell My Structured Settlement? |
| We've streamlined the process as much as possible to make it fast and convenient for you. We need some basic information from you about your structured settlement and we'll provide you a set of lump sum funding alternatives. If you decide to work with us, we'll coordinate the court's adjustment of the settlement as quickly as possible. Once we've earned the court's approval, we'll forward your payment immediately. For more information, please review Sell Your Structured Settlement--Our Process.
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| How Long Will It Take To Get My Lump Sum Payment? |
| P & T Financial has a streamlined process and years of expertise in purchasing structured settlements, so we are able to consistently finalize your lump sum cash payment as quickly as possible. However, since there is required court involvement to adjust your original settlement, the process can only go as fast as the court's calendar allows. Once the court hearing is complete, the funding is completed in a matter of days.
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| Why Should I Work With P & T Financial? |
- Experience: We've been serving California clients for years and have a complete understanding of the procedures and best practices to satisfy our clients.
- Integrity: Our goal is to satisfy your short-term need for a lump-sum cash payment with the long-term financial security that the court established in setting up your structured settlement. It is important to keep this balance and we work hard to clearly and completely communicate all aspects of the transaction so you can make the best and most informed decision.
- Professionalism: We take pride in making every interaction with you a pleasure. We work hard to understand your needs and your time frames, and then satisfy them both. We are thorough, detailed and completely transparent in all our transactions.
- Low Costs: since most of our clients are referred to us by financial and legal professionals, we don't need heavy advertising budgets that increase our costs and reduce your lump-sum payment. We have a time-tested ability to provide the maximum lump-sum payment for your future structured settlement payments.
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P & T Financial has expertise in structured settlements in California, including San Diego, Irvine, Santa Ana, Long Beach, Riverside, Los Angeles, Santa Barbara,Bakersfield, Fresno, Modesto, Sacramento, Stockton, San Francisco, San Jose, Oakland and Redding geographic markets.
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