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Cash Structured Settlement – Educating Consumers through the Internet

Thursday, February 4th, 2010

How Can Structured Settlement Companies Educate People Who Want to Cash Structured Settlements?

Studies reveal that about 68% of Americans use the Internet on a daily basis. This is more than twice the number recorded at the turn of the millennium. Over the next three to five years, it is expected that more and more people will log on to the Internet, continuing the trend observed in the last nine years. This technological revolution therefore has presented structured settlement companies an excellent opportunity to properly educate people who sell structured settlement payments for cash.

Those who want to receive cash for settlement payments must be made aware of the following facts:

  • The relationship among variables such as:
  • Discount rates
  • Present value
  • Time value of money
  • State and federal laws that affect structured settlement rights assignment
  • Pricing - price calculation and rate guides
  • The individual stages in the process of factoring transactions
  • The unscrupulous tactics and sales practices they must avoid.

Continuing efforts should be concentrated on the above points in order to guide consumers into formulating the course of action that will allow them to get the best value for their structured settlements.

Filed in Woodbridge Investments LLC, Blog, Sell Structured Settlement Payments, Structured Settlements | Permalink | Comments (0)


Sell Settlements Discount Rates & Inflation

Wednesday, November 4th, 2009

When Periodic Structured Settlement Payments Are Not Enough…

Though structured settlements are an excellent way to receive compensations from a court claim, there are instances when being bound to such a settlement can prove problematic. If you feel this is the case, you ought to familiarize yourself with companies that purchase structured settlements and the options they can offer you.

Let’s say you were awarded a claim and are receiving it through a structured settlement agreement. However, a few years later you need a large sum of money to pay for an unexpected medical expense. You need cash right away, but the periodic payments you receive are too small and far between.

Sell Structured Settlement Payments for a Lump Sum

Fortunately, you have the option to sell future payments to structured settlement companies.

For example, if you need $15,000 to cover your unexpected medical expense, you can sell a portion of your future structured settlements worth that amount for cold cash. These companies were founded to purchase and sell structured settlements in order to help out the recipients of such settlements.

Sell Settlement - Legal Implications

Since structured settlement agreements are mandated by legal statutes, your agreement with a structured settlement company has to be approved with the ruling of a judge. To ensure the court approval of your application, go with a reputable and experienced structured settlement company that can convince the judge that the transaction serves your best interests.

Discount Rates, Inflation and Other Complications

Selling structured settlement payments involve a lot of complications. Some of the more significant of which are tax implications and inflation problems. Since structured settlement calculations take inflation into account, payments may need to be discounted to present value when they are bought from structured settlement companies. Furthermore, there is a ‘discount rate’, which discounts a small percentage from the rate of your settlement if you sell it early.

Do Your Research Before You Sell Your Settlement

Because of these and many other complications, you would do well to work with a structured settlement buyer that has years of experience and the patience to help you understand the process.

Whatever your reasons, if you think your structured settlements no longer fulfill your needs, you don’t have to hang on to them. You have the choice to sell them for a lump sum that is more suited to your financial situation. Now that you have the basic information of how to sell structured settlements, evaluate your next move and start looking for a structured settlement buyer who can offer you the best value for your future payments.

Filed in Woodbridge Investments LLC, Blog, Sell Structured Settlement Payments, Structured Settlements | Permalink | Comments (0)


Success Stories and Endless Posibilities From Selling Your Structured Settlement

Thursday, October 15th, 2009

Selling Your Structured Settlements
Can Lead To Your Dreams Coming True!

Decisions are never easy when it comes to money. We are pulled so many different ways on how to spend and invest our income. And it’s not any easier when we are receiving structured payments from work-related or personal injury settlements, lottery winnings or annuities.

But the decision to sell structured payments need not be a long and winded process. People are making the choice to sell structured payments all the time and a lot of them testify that these have either solved a lot of financial problems or made their dreams come true.

Baton Rouge- A Construction Workers Sell Settlement Success Story

Take for example the case of a construction worker from Baton Rouge who sustained an on-the-job injury in September 2004. His injury was bad enough that he was unable to work in construction. After filing and winning the lawsuit, he got a settlement that helped support his family for a few years. But things don’t always remain smooth and easy because at some point his wife’s health took a turn for the worse and the bills started piling up. With the decision to sell their structured payments to Woodbridge Structured Funding their financial woes were soon solved.

California- Women Opens A Home Bakery Business Thanks To Woodbridge Structured Funding!

A woman from California was also thrilled to find out that she had won the lottery. It was a great thing regardless of how she got paid but it was NOT one of those mega-million jackpots so pay outs would not be that big a sum. She decided that she needed the lump sum so she could move into a better house and start a home bakery business. The sale of her structured payments made two of her greatest dreams come true.

Retire From Your Settlement!

Retired couples can also get the most by selling part of their structured settlements. When one couple from Ohio decided to retire and move to Clearwater, Florida their immediate problem was getting someone to buy their old home. Selling their structured payments allowed them to secure a down payment for their new payment while waiting for a buyer.

And these are only a few examples of people who got money they needed and deserved to turn their lives around!

Filed in Woodbridge Investments LLC, Blog, Sell Structured Settlement Payments, Structured Settlements | Permalink | Comments (0)


Selling Your Settlement? Know What Yours Is Worth!

Wednesday, October 14th, 2009

Even When Not Yet Selling Your Settlement,
Get Quotes from Structured Settlement Buyers

Most structured settlement recipients do not foresee a need to sell their payments in the secondary market for structured settlements. However, knowing the value of your structured settlement payments may come in handy later on should a financial emergency force you to sell structured settlement payments.

 Know What Your Structured Settlement Is Worth

To know your structured settlement’s worth, contact a number of structured settlement buyers and ask them how much they’d offer should you decide to sell. Before calling, prepare your documentation – including a copy of the settlement agreement and the annuity policy. The purchasing company can quote you their offer much quicker if you immediately provide them the information in these documents.

Ask How Much Portions of Your Settlement Are Worth

When asking for a quote, don’t just ask them for the value of the entire settlement you want to sell. Inquire how much portions of the annuity payments are worth, so you will have a good idea of the kind of flexibility you might have in customizing the transaction to fit whatever needs you may have in the future.

Filed in lump sum payments, Woodbridge Investments LLC, Blog, Sell Structured Settlement Payments, Cash Structured Settlements, Buyer of Structured Settlement Payment | Permalink | Comments (0)


Should You Cash Out Your Structured Settlement For a Lump Sum?

Friday, September 18th, 2009

Why Should I Cash Out My Structured Settlement For A Lump Sum Payment?

More often than not, when people are awarded compensation for accidental injury or wrongful death from their insurance companies, they choose to receive a series of payments over a longer span of time instead of an immediate lump sum of cash. These structured settlement payments usually total more than the amount one would have received at settlement. In order to opt for a settlement structured in this manner, the plaintiff must sign a settlement and release agreement that permits the defendant to buy an annuity policy to provide for the payments to the annuitant. The annuitant does not own the annuity nor does he have the right to sell it. He does have the right though to sell structured settlement payments to a third party.

Is a Lump Sum Payment Necessary For You?

The specific reasons plaintiffs have for selling structured settlement payments may vary but it all boils down to some kind of change in their financial situation. During the time the structured settlement was made, the scheme fitted the annuitant’s needs. Over time, financial hardships may strike or investing opportunities may come knocking that necessitate the possession of a large sum of cash now instead of staggered payments.

Filed in Blog, Woodbridge Investments LLC, Sell Structured Settlement Payments, Sell Personal Injury Settlements, Cash Structured Settlements, Structured Settlements | Permalink | Comments (0)


Structured Settlement Factoring versus Structured Settlement Creation

Thursday, September 17th, 2009

Structured Settlement Factoring versus Structured Settlement

Ever wonder why settlement brokers and settlement factors seem to dislike each other?
A settlement broker’s work involves structuring a large settlement to be paid over time via annuity to their client. What a settlement factor does is the reverse: if the client needs a large sum of money for an emergency, a factor helps convert part or all of the structured settlement into a lump sum.

 Some Possible Reasons of Conflict between Structured Settlement Creationists and Factors

At first glance it seems that creationists and factors have more or less the same goal of helping clients receive their settlement. So what’s the source of the conflict? Here are a few possibilities:

•    Settlement creationists take it personally when their work is replaced by factoring. After all, how would you like it if someone undid the job you worked so hard on?

•    Settlement creationist thinks factors charge too much and thus make more money.

•    Settlement factors dominate the search engine results for “structured settlement.”

•    Settlement factors benefit from the work of structured settlement consultants whereas settlement creationists do not.

•    Settlement brokers have been around longer and have more certifications, accreditation and titles. Maybe they feel superior to factors.

Similarities between Structured Settlement Factors and Creationists

For every difference between the two groups, there also exists a similarity. Both settlement creationists and settlement factors:

•    work for profit,

•    follow state and federal guidelines,

•    provide a service associated with structured settlement,

•    and have associates with high integrity and others with less integrity…

The reality is that though both businesses may not get along, they provide services that help people in their financial need. It’s not important that they agree or like each other, but they must never let those feelings compromise professionalism.

Filed in Woodbridge Investments LLC, Articles, Sell Structured Settlement Payments, Buyer of Structured Settlement Payment, Structured Settlements | Permalink | Comments (1)


The Pros and Cons of Selling a Structured Settlement for a Lump Sum

Monday, September 14th, 2009

The sale of a structured settlements has its advantages and disadvantages.

The option to sell structured settlements for cash must not be taken lightly. These periodic payments could be funds you have become dependent on to some extent, and selling will stop those payments. But if you need a large amount of cash to fund an investment that will change your life for the better, selling all or part of your structured settlement may be more useful to you than hanging on to the periodic payments.

So before selling a structured settlement, weigh the transaction’s pros against its cons first to make sure that what you’re losing is expendable when compared to what you’re gaining.

ADVANTAGES:

•    Liquidity. A structured settlement limits the liquidity of the settlement money that you are entitled to, whereas cashing in a portion or all of a structured settlement frees that money for immediate use.

•    Value. You can capture the current value of the money that you’re owed. Because structured settlement payments are equal each month, the effects of inflation decrease the real value of your money over time.

•    You don’t have to wait for credit approval. Although you may need to validate your reasoning for cashing a structured settlement, you can’t be denied your settlement because of a bad reference or credit history.

•    Relatively quick payment. Compared to applying for a loan, structured settlement factoring is a faster way to get cash, taking as little as three weeks.

DISADVANTAGES:

•    Structured settlements and annuities are sold at a discount, which means that the lump sum you get through the sale is less than what you would have received had you continued to accept periodic payments.

•    Low regulatory involvement. Structured settlement buyers belong to an industry that is currently unregulated. Unscrupulous companies and individuals exploit this fact by engaging in unethical business practices.

•    Taxes. You’ll be charged an excise tax that can be as high as 40% if you choose to cash a settlement for an invalid reason. You will also incur liability for state and federal taxes on your lump sum.

•    Legal aspects. Structured settlement factoring is a long process that has exhausted many people who have tried it. There is a lot of red tape to pass through before the money will be seen, and some settlements legally cannot be sold.

Filed in Woodbridge Investments LLC, Articles, Sell Structured Settlement Payments, Buyer of Structured Settlement Payment | Permalink | Comments (0)


Structured Settlements in Cases of Serious Injury Victims

Tuesday, September 8th, 2009

Structured Settlements Help Serious Injury Victims

For nearly 25 years, the federal government has encouraged the general public to use structured settlements in serious injury cases. Structured settlements have also gained the favor of plaintiff attorneys, state attorneys general, legislators, judges, and disability advocates.Before 1982, serious injury victims were awarded damages in the form of a single lump sum. This form of payment, especially in catastrophic injury cases, often put the injury victim and his family in a financial bind. With the victim unaccustomed to managing such large sums of money, there was the ever present danger of unwise financial decisions.

The Periodic Payment Settlement Act; Helping Protect Injury Victims with Mismanaging Lump Sum Payments

Such decisions can spell disasters like the premature loss of funds before the victim’s medical treatment completed. These bad judgment calls also risk putting lump sum recipients on public assistance. To address these concerns, a bipartisan coalition of legislators in Congress took action to amend the federal tax code. Thus, the Periodic Payment Settlement Act of 1982 (Public Law 97-473) came to be. The Act formally recognized and encouraged the use of structured settlements in serious injury cases so that injury victims could be protected from maladjustment to sudden wealth.

Filed in lump sum payments, Woodbridge Investments LLC, Blog, Sell Structured Settlement Payments, Sell Personal Injury Settlements, Structured Settlements | Permalink | Comments (0)


Using a Pre-Structured Settlement Loan As an Investment Tool

Thursday, August 27th, 2009

How You Can Use a Pre-Structured Settlement Loan As an Investment Tool

injury lawsuit may take such a long time to settle, plaintiffs with plans to invest might want to apply for a pre-structured settlement loan before investment opportunities pass them by

A Pre-Structured Settlement is Not Only For Hardships

Plaintiffs often think that a pre-structured settlement loan is only for those who are facing financial hardships; they are mistaken. It is possible for any plaintiff to use a lawsuit loan during his pending lawsuit as an investment tool. The plaintiff can use the money in various ways; however, like all other types of investment, there are risks involved. The plaintiff has the benefit of not being required to pay back the settlement loan in the even that he loses his lawsuit. So, even if he loses both his case and his investment, he would still break even in the end. However, if the plaintiff wins his case but loses his investment, he is out the original investment amount. With so much at stake, plaintiffs must understand all the risks before applying for a lawsuit settlement loan, as an investment.

Cash from The Settlement Can Be Invested in Whatever You Desire

The cash from a lawsuit settlement loan can be invested in any endeavor the plaintiff can think of. During the 2008-2009 housing market collapse, houses cost 30-40% less than they used to in 2006. Some plaintiffs took advantage of this and purchased homes, putting a large down payment or even pay in full. Since a lawsuit could take years to settle, by the time the plaintiff actually receives the money from his settlement, housing prices might have started to rise again making the plaintiff wish had applied for the loan when the opportunity presented itself. While housing prices are still low, plaintiffs planning to buy a house might want to take the calculated risk of getting a pre-structured settlement loan.Plaintiffs have also begun using settlement loans to get into the stock market. Of course, there is always the risk of losing money, however if they turn a profit, not only do plaintiffs recover their original investment, they can even cover the interest and fees attached to their settlement loan and have some money left over. This maneuver though may be best left to those who have a firm grasp on the stock market.

Start a Business with Your Cash

Plaintiffs can also use a lawsuit settlement loan to start a new business, it’s an excellent way to get the start-up cash they would need and prevent them from having to find investors or take out a traditional loan; remember, the money from a settlement loan is yours and you’re not actually borrowing money, you’re just getting your money advanced to you via a settlement loan in return for interest on the advanced amount.

Filed in Woodbridge Investments LLC, lump sum payments, Articles, Sell Structured Settlement Payments, Cash Structured Settlements | Permalink | Comments (0)


Finding the Right Structured Settlement Buyer

Tuesday, August 25th, 2009

How You Can Find The Right Structured Settlement Buyer

The most difficult phase of selling a structured settlement has to be choosing the best offer. The advertisements many buying companies use to entice clients tout fast cash for little hassle. Contrary to their claims, years of misuse of funds compelled the government to impose protective restrictions when selling structured settlements. This does not mean that selling has become impossible, only that it now requires more coordination on the part of the buyer and seller.

Because of some dire financial need, you may be convinced that your reasons for selling your structured settlement are justifiable. However, the court system may question the necessity of such an extreme action. Therefore, it is in your best interest to hire a lawyer to assist with the sale. A highly skilled lawyer can help by suggesting a fair market value for selling the settlement; reading over the buyer’s quote and the subsequent sale contract; and of course, representing the seller in court.

How To Avoid Untrustworthy Buyers

There are countless buyers who want a piece of the structured settlement market. Whether their offers are legitimate or not, their crafty salesmanship paints such a dazzling image that makes choosing quite a challenge. But by keeping an eye on telltale signs, sellers like you can avoid the untrustworthy buyers.

1.    Structured settlement buyers will profit from buying the structured settlement. Shifty buyers can be avoided by carefully listening to their sales pitch. If they try to convince you to cash your entire structured settlement or attempt to offer a considerably lower quote than expected, beware.

2.    Check with the Better Business Bureau (BBB) if the buyers you are considering have any negative records with them.

3.    There are costs involved in cashing in a structured settlement, including the court costs to meet with the judge. Some settlement buyers will pay those court costs and any fees involved, and some won’t. Check around.

By doing some simple research…

you can ensure that the structured settlement buyer you have chosen has both the knowledge to work through the selling process, and the integrity to consider what would be in your best interest.

Filed in Woodbridge Investments LLC, lump sum payments, Blog, Sell Structured Settlement Payments, Buyer of Structured Settlement Payment | Permalink | Comments (0)