Monday, December 31, 2007

The Sale of Structured Settlements Can Mean a Brighter Future

Filed under: Structured Settlements — Structured Settlement Expert @ 10:59 am

There is little that we want for our children more than a good education. With a degree our children can decide their own future and pave a way to financial security and personal accomplishment. In some circumstances an education is the only way for some people to meet their career goals. But as we all know an education can be expensive and without the financial means sometimes schooling can go by the wayside.

In the face of educational costs, many people look for a variety of ways to come up with the necessary money including home equity loans, grants, and personal lines of credit. And one way in which people can come up with the money necessary to pay for an education is through the sale of a structured settlement.

A structured settlement is an arrangement following a personal injury case. When such a case is settled and the injured party is given a financial settlement, the award can either be a one time payment or a structured settlement. With a structured settlement, the recipient receives a series of periodic payments made by a third party annuity that is funded by the responsible party.

Circumstances can arise when recipients would be better served by a lump sum of money rather than payments. Such as the in the case of tuition payments –the recipient may opt to sell all or part of their future structured settlement payments in exchange for the lump sum of money that they need.

Popularity: 20% [?]

Saturday, December 29, 2007

Structured Settlement Sale in the Case of Illness

Filed under: Structured Settlements — Structured Settlement Expert @ 8:48 am

When a person who has been injured in an accident, the injured party may be awarded a structured settlement.

A structured settlement is the alternative to a single lump sum payment. Going forward, the recipient will get periodic payments at pre-established intervals.

While many structured settlement recipients remain satisfied with the arrangement, there may be times when a need arises, such as an illness requiring extensive medical care and subsequent medical bills.

In such a case, a structured settlement recipient may choose to sell all or part of their future structured settlement payments in exchange for a lump sum of money to help them meet their medical needs.

Popularity: 20% [?]

Thursday, December 27, 2007

Structured Settlement Sales Can Benefit Families

Filed under: Structured Settlements — Structured Settlement Expert @ 9:53 pm

Structured settlements are financial arrangements following a personal injury case. When a claimant selects a structured settlement arrangement they will receive a series of ongoing payments. The terms of the payments are meant to provide for payments to the claimant over time.

As often happens in families, there are financial circumstances that present themselves that can seriously impact the future of a household; circumstances such as significant debt and medical bills. When these types of circumstances present themselves, a structured settlement recipient may choose to sell their future structured settlement payments in exchange for a lump sum of money to address their current financial needs.

When a recipient sells structured settlement payments they do so through a company that specializes in this particular transaction. The sale must be approved by the courts, after which the purchasing company gives the structured settlement recipient a lump sum of money based on the current market value of their settlement arrangement. In exchange, the recipient turns over the ownership to all or part of their future structured settlement payments.

With the money they receive, structured settlement recipients are then able to address their financial needs and solidify their family’s future.

Popularity: 20% [?]

Wednesday, December 26, 2007

Meet Changing Needs With A Structured Settlement Sale

Filed under: Structured Settlements — Structured Settlement Expert @ 5:11 pm

When a personal injury case results in the creation of a structured settlement the claimant gets periodic payments backed by an annuity. These payments are usually not subject to income taxes.

As nice as guaranteed income over time happens to be, occasions do arise where a lump sum payment might be more beneficial. This is where a structured settlement sale can make a great deal of sense.

Companies that buy structured settlement payments agree to receive the periodic payments in exchange for a lump sum payout. The arrangement can happen in one of two ways, but both options do call for court approval to reach fruition.

The first way to receive a structured settlement payout is by selling all future payments. This means the recipient will get a lump payout, but no more monthly payments. The company that buys structured settlements will receive them instead.

The second option is a partial sale. This involves selling some of your payments for a particular amount cash. This flexibility lets the recipient receive cash to meet their needs as well as maintaining a portion of the future payments.

Both options are quite viable for helping a person meet changing financial needs. When circumstances change, structured settlement sales can pay off to help a person adapt with money in hand.

Popularity: 20% [?]

Sunday, December 23, 2007

Structured Settlement Sales Can Help Claimants Start Anew

Filed under: Structured Settlements — Structured Settlement Expert @ 12:35 pm

Plaintiffs in accident cases sometimes settle with a structured settlements in lieu of a single payment. This type of settlement can make a great deal of sense because it provides for the plaintiff over a set period of time with monthly, bi-annual or annual payments. This means the injured person has a guarantee of tax-free income.

As useful as structured settlements are, however, sometimes personal needs change. When injuries are recovered from, it might be time for a person to get back on their feet and start anew. For many, this means returning to school to train for a new field of employment. The costs related to this can prove prohibitive.

Companies that specialize in the purchase of structured settlements offer structured settlement recipients lump payouts in return for their regular settlement payments. This means the structured settlement recipient gets cash in hand to fund educational pursuits, and the company receives the regular payments instead. A court must generally approve of this type of arrangement. If the court deems a structured settlement sale is in the best interest of the structured settlement recipient, the sale can go through.

Popularity: 23% [?]

Friday, December 21, 2007

Using A Structured Settlement Sale To Buy A Home

Filed under: Structured Settlements — Structured Settlement Expert @ 4:53 pm

One reason that some settlement holders seek to convert to cash involves the desire to purchase a home. As long as other income is in place to handle living expenses and taxes, a structured settlement sale can prove very beneficial in this case.

Selling Structured Settlements Can Streamline Finances

Many personal injury cases result in plaintiffs receiving a structured settlement. Rather than single payments, plaintiffs are given periodic payouts over time. This option is backed by an annuity.

Sometimes, however, unforeseen circumstances arise. When a structured settlement recipient, for example, has thousands of dollars in medical, credit card and other bills, payments over time may not do much to help.

When streamlining finances and paying off large bills is necessary to put a person on more secure financial footing, a structure settlement sale can make sense. To achieve this, many structured settlement holders seek out companies that buy the regular payments for a single cash payout.

Obtaining a structured settlement buyout does require a little work. First, the recipient needs to seek out a reputable company to make the purchase. The next step involves garnering court approval for the sale. If this is received, the settlement recipient is able to accept a cash buyout and the regular payments will go directly to the purchasing company.

Popularity: 19% [?]

Wednesday, December 19, 2007

Customer Service When Selling a Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 8:55 pm

No matter what company we deal with or what goods or services that we seek, the fact of the matter is that good customer service is an integral part of the process. After all, when we are spending our money, we want to feel as though we have made the right choice – and being treated with respect can go a long way towards validating that for us.

Customer service should extend to every business transaction – and the sale of structured settlement payments is no exception. Structured settlements are payment arrangements in the face of a personal injury claim. If the claimant is offered a financial settlement, oftentimes it is the form of a structured settlement; rather than getting the entire amount of the settlement upfront, the claimant is given their money through periodic payments.

Structured settlement payments are meant to benefit both parties – the claimant and those responsible for the financial settlement. However, there are times when a recipient may choose to investigate the possibility of selling all or part of their future structured settlement payments due to financial circumstances that have arisen and have necessitated a lump sum of money.

In such a case, the recipient will approach a company that specializes in the purchase of structured settlements. Beyond looking for the price that they are able to give you for future payments, it is also important for anyone researching the sale of structured settlements to seek out a purchasing company that puts much emphasis on the way that they treat their clients.

When going through the process of selling a structured settlement, a client should feel protected, valued, and respected. And, above all, they should feel that their questions and concerns are always thoroughly addressed.

Popularity: 19% [?]
Structured Settlement Transfer FAQ’s Video Part 1

Filed under: Structured Settlement — Structured Settlements Pro @ 8:34 am

Here are the top 5 FAQ’s about transferring structured settlements.




Popularity: 26% [?]

Tuesday, December 18, 2007

Turnaround Time for the Sale of Structured Settlements

Filed under: Structured Settlements — Structured Settlement Expert @ 8:57 pm

When a claimant enters into the process of a personal injury case, there can obviously be many outcomes. But in the event that there is a financial settlement, oftentimes their financial award is not given to them all at once. Instead, many claimants are given a structured settlement, whereby they receive their money through periodic payments. The payments come from an annuity that is set up exclusively for the structured settlement; and those responsible for the financial restitution are responsible for funding the annuity.

Generally speaking, structured settlement arrangements work well for all parties involved. But there are some cases in which the recipients of structured settlements are in need of a lump sum of money to address particular financial circumstances, ranging from significant debt to education expenses. In such cases, structured settlement recipients may seek approval to sell all or part of their future structured settlement payments.

Structured settlement sales differ from state to state. Be sure to ask the question regarding timeframe when researching the sale of your structured settlement.

Popularity: 23% [?]

Monday, December 17, 2007

Get a Lump Sum With the Sale of a Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 3:22 pm

Feeling financially out of control is one of the worst feelings that there is. Debt is one of the things that initiate this out of control feeling, as consumers are often plagued with the idea that their money will never be their own but simply something that they pay every month to a credit card.

Structured settlements are set up for the benefit of the recipient, but sometimes there are circumstances that may require a change. Structured settlements are financial arrangements that stem from personal injury cases. If the claimant is awarded a financial settlement they are often structured settlements; instead of receiving the entire financial award at once they receive payments on a regular basis.

Such structured settlement payments can be beneficial for recipients in a number of ways, not the least of which is the ability to really budget their money and address ongoing expenses. But in some cases, structured settlement recipients need to have a lump sum so that they can best make decisions that can impact the financial future for themselves and their family.

When such is the case with a structured settlement recipient they may choose to explore the possibility of selling all – or a portion of – their future structured settlement payments. A reputable, experienced purchasing company will buy all or a portion of the client’s future structured settlement payments and in return pay the client a lump sum of agreed upon money; giving the client the ability to have cash on hand.

Popularity: 20% [?]

Friday, November 30, 2007

Deciding to Sell a Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 5:46 pm

Structured settlements are designed to meet the ongoing financial needs of those who settle a personal injury case. When most people think of financial settlements in connection with a court case of this type, they may assume that the claimant is written a large check for their total award. Yet, this is often not the case; rather in many cases, the recipient is given a structured settlement, whereby the total amount of their settlement is divided into payments. The recipient then receives these payments periodically through an annuity that is set up to make the payments.

Ultimately, a structured settlement is designed to avoid dealing with a lump sum of money — the recipient is able to budget their payments to meet their ongoing financial needs. However, because of changing financial circumstances, there may come a time when the structured settlement recipient may consider selling all – or some – of their future payments.

Deciding to sell structured settlement payments is completely dependent upon the recipient’s current needs. They may be dealing with significant debt, or facing large medical bills, or even struggling with the threat of foreclosure on their home. In such cases, the sale of future structured settlement payments in exchange for a large sum of money that can meet these needs may be advisable.

Popularity: 19% [?]

Wednesday, November 28, 2007

Bids for the Sale of Structured Settlements

Filed under: Structured Settlements — Structured Settlement Expert @ 7:56 pm

When offering items for sale, many of us will gather bids from interested parties before making our decision as to whom we will sell our goods or services. The Internet has furthered this process, as buyers and sellers have access to each other like never before, allowing those who are interested in selling their products the ability to gather bids from interested buyers around the country – and even around the world.

Today, even those interested in selling more complex commodities – such as structured settlements – have the ability to collect bids from interested parties. Structured settlements are financial arrangements that allow for payments to be made to the claimant in a personal injury case. Instead of a lump sum of money being turned over to the claimant, however, the structured settlement allows for ongoing payments - as made from an annuity set up for this exact purpose. The recipient then receives their money through payments that come on a periodic basis.

However, it may come to pass that financial circumstances change and the structured settlement recipient is in need of a lump sum of money, rather than the ongoing payments. Such circumstances may include the accumulation of significant debt, the threat of foreclosure, education expenses, significant medical expenses, and the like. In such a case, the recipient may decide to sell some or all of their future structured settlement payments in exchange for a lump sum of money.

Through the gathering of bids the structured settlement recipient can be assured to get the fairest price for their sale. Even if, however, the recipient gets several bids, this sale must be approved by a court.

Popularity: 22% [?]

Monday, November 19, 2007

Selling a Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 3:10 pm

Those who receive periodic structured settlement payments do so in accordance with terms agreed upon by both parties. Injured parties often receive a structured settlement that pays them in ongoing periodic payments instead on one large payout.

When a structured settlement receives an annuity, it is set up through a third party. Going forward, the structured settlement recipient receives recurring payments from the annuity for the life of the settlement terms.

There are times when the recipient needs may change requiring a lump sum of cash rather than having to wait for their periodic payments. Such circumstances may include the need to pay down significant debt or pay for large expenses such as an education.

In these cases of financial need, the courts may approve a structured settlement recipient selling all or part of their future payments. The recipient can turn to a company that will purchase their structured settlement and their future payments in exchange for a lump sum cash payment.

Popularity: 21% [?]

Friday, November 16, 2007

The Worth Of Structured Settlement Payments

Filed under: Structured Settlements — Structured Settlement Expert @ 5:26 am

Oftentimes, as a result of a personal injury case, inured parties receives a sum of money as compensation for their injuries. In years past, the injured party would be paid in one lump sum. But in the early 1980s, laws were enacted that provided for the structured settlement; as opposed to receiving this financial award all at once, the injured party would instead receive periodic payments that are funded by an annuity set up for this purpose.

The size of a tort settlement is often based on a number of significant factors - the specific injuries involved and the expenses associated with such injuries going forward, including medical expenses, loss of wages, and everyday living. This total amount is also subject to inflation – as determined by the amount of time over which the recipient will receive payment, or will be suffering the impact of the tort injury.

There are times, however, when the recipient is in need of a lump sum of money for particular expenses, such as medical bills, debt, and education costs, among others. In these particular circumstances, the recipient may appeal to the courts to allow them to sell all or part of their future structured settlement payments. If approved, the structured settlement recipient can sell their payments to a company that purchases such payments in exchange for a lump sum of money.

Popularity: 21% [?]

Thursday, November 15, 2007

The History of Structured Settlements

Filed under: Structured Settlements — Structured Settlement Expert @ 9:54 pm

Structured settlements are the result of a personal injury legal case and are financial arrangements wherein the injured party is provided a settlement through a series of periodic payments. A structured settlement is essentially a payment solution that allows for ongoing payments to the injured person .

In 1982 Congress ratified the Periodic Payment Settlement Act. This act created an alternative financial solution in personal injury cases. They allowed those receiving the funds to receive money through periodic payments.

However, there are circumstances in which the recipients of structured settlement payments feel trapped by their payments, especially in the face of extenuating financial circumstances that require a lump sum of money.

In such cases, recipients may choose to forgo the ongoing periodic payments and instead sell all or part of their future structured settlement payments. The purchasing company will, in turn, provide the recipient with the lump sum of money that they require.

Popularity: 22% [?]

Wednesday, November 14, 2007

Determining The Value Of Structured Settlements For Sale

Filed under: Structured Settlements — Structured Settlement Expert @ 8:37 pm

Those who have been involved in a personal injury case may sometimes receive a structured settlement – a financial arrangement allows for payments for injured parties. Recipients of structured settlements – instead of being given a sum of money – are given periodic payments. These payments come directly from an annuity that has been set up to fund the structured settlement; and the responsible party in the personal injury case funds the annuity in order to allow for these ongoing payments.

Terms differ from structured settlement to structured settlement and are determined by the specifics of the case including the total amount awarded to the injured party.

While structured settlements often work quite well, there are times when they don’t. In such cases, a structured settlement recipient may investigate the possibility of selling all or part of their ongoing payments to a reputable company that purchases structured settlements.

A company that purchases structured settlement payments will make an offer for the structured settlement.

Popularity: 23% [?]

Monday, November 12, 2007

Structured Settlements Video

Filed under: Structured Settlements — Structured Settlements Pro @ 9:30 am

What is a structured settlement? This video briefly describes structured settlements. Although a structured settlement could be become more involved….here are the basics you need to know.




Popularity: 22% [?]

Monday, November 5, 2007

Why Are Structured Settlements Purchased

Filed under: Structured Settlements — Structured Settlement Expert @ 8:07 pm

Many personal injury cases are settled out of court resulting in a “structured settlement.” A structured settlement is a financial arrangement in which the recipient of a financial award can receive periodic payments paid out by an annuity set up by the responsible party.

The recipient will continue to receive the payments from the structured settlement annuity throughout the life of the settlement terms, unless of course, the recipient feels at some point that they require a lump sum of money to keep pace with their changing financial circumstances.

At this point, the structured settlement recipient may turn to a company that purchases structured settlement payments. This purchasing company pays their client a lump sum of money for all or part of their future structured settlement payments. In turn, the client receives the money they need – in cash - to address significant debt, pay for education, purchase a house, etc.

Many may wonder why companies are willing to purchase structured settlements. The sale of future payments benefits both parties giving the seller access to a larger sum of cash immediately and the purchaser receives the regularly recurring payments over time.

Popularity: 70% [?]

Friday, November 2, 2007

Selling A Partial Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 5:40 pm

A structured settlement is a financial arrangement that results from a personal injury case being settled out of court. In such a circumstance those who have been given a financial award are given a structured settlement rather than a lump sum payout. A structured settlement allows for periodic payments to be sent directly to the recipient – paid from an annuity that is funded to meet the guidelines of the structured settlement.

The recipient uses the structured settlement payments to meet their financial needs going forward. But in some cases, due to financial circumstances, they may find that they need a lump sum payment rather than their ongoing payments.

The sale of structured settlement payments must be approved by the courts. Upon approval the recipient will receive cash from a purchasing company that will buy their future structured settlement payments in exchange for a lump sum of money.

But while the outright purchase of all future payments can be done, there is also the option for the recipient to sell only part of their structured settlement payments. They can either sell only a limited number of future payments, or they can sell a percentage of the payments throughout the rest of the settlement.

Popularity: 21% [?]

Wednesday, October 31, 2007

Reexamining The Sale Of Your Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 12:08 pm

The result of a personal injury case that is settled out of court is often the creation of a structured settlement. This term refers to a financial arrangement that is an alternative to simply handing over a lump sum of money to the person receiving the financial award. Rather, a structured settlement allows for ongoing periodic payments – comprised of the amount of the award split into payments.

These payments are not made directly to the recipient from the responsible party, however. Rather, an annuity is funded by the responsible party and makes ongoing payments to the recipient over the term of the settlement.

If there comes a time when the recipient of the structured settlement requires a lump sum due to financial circumstances, they may choose to sell all or part of their structured settlement payments.

At that point the payment recipient may choose to sell their future structured settlement payments to a purchasing company in exchange for cash in hand. Or they may choose to sell only partial payments – either a particular number of future payments or a percentage of future payments.

Popularity: 22% [?]

Tuesday, October 30, 2007

Qualifying To Sell Structured Settlement Payments

Filed under: Structured Settlements — Structured Settlement Expert @ 5:02 pm

Structured settlements are arranged for those who have been involved in personal injury lawsuits and are subsequently entitled to a financial award. Instead of giving the claimant the award all at once, a structured settlement provides for ongoing, periodic payments made directly to the claimant and funded by an annuity that is set up for this purpose. Structured settlements tend to be beneficial for all parties involved and they allow for continued financial assistance for the claimant over time.

In some cases, a structured settlement recipient may find – down the road – that they need a sum of money in excess of that provided by the current payments. In such a case, the recipient may choose to sell all or part of their future structured settlement payments in order to gather the funds that they require. Purchasing companies will pay the recipient a lump sum of money for the rights to receive all or part of their future annuity payments.

Popularity: 23% [?]

Monday, October 29, 2007

Options For Selling A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 6:50 pm

Often, a personal injury case may result in the arrangement of a structured settlement. With a structured settlement, rather than receiving a lump sum of money, the recipient will get periodic payments. For instance, rather than receiving a check for the money up-front, the recipient is given periodic payments through an annuity that is funded for this specific purpose.

Many recipients of structured settlements choose to continue with this arrangement. But in some cases, financial circumstances may occur that prompt the structured settlement recipient to seek a qualified company to which to sell their structured settlement. Such a sale must be approved by the court.

A structured settlement can be sold in a number of ways. First and foremost, a recipient may choose to sell some or all of the remainder of their ongoing payments – in which case the purchasing company will give their client a lump sum of money; in turn, the company will continue to receive the payments from the structured settlement annuity.

However, there are other options for a structured settlement sale. The settlement recipient may choose to only sell a partial number of future payments to the purchasing company; or they may choose to offer a percentage of their structured settlement payments to the purchasing company, where with each payment the company takes a portion and the original recipient takes the remaining portion.

Popularity: 22% [?]

Friday, October 26, 2007

Getting A Quote For Selling A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 10:35 am

Recipients of structured settlement payments are those who have been involved in a personal injury case. During a court arrangement, terms have been constructed wherein the claimant in the case is set up with periodic structured settlement payments – monthly, yearly, or other configurations. After the terms are created, an annuity is set up to fund these periodic payments throughout the life of the structured settlement.

In some cases, a structured settlement recipient may find that the terms of the settlement do not meet their financial needs due to circumstances such as medical bills, educational costs or debt. In such cases, the recipient may choose to sell their future structured settlement payments for a lump sum of money to meet their current financial needs.

Prior to choosing a purchasing company, a prospective seller may choose to find out how much their structured settlement is worth from a company that purchases structured settlements. These purchasing companies may be able to offer quotes on the purchase of the structured settlement based upon current market rates.

Popularity: 21% [?]

Wednesday, October 24, 2007

Paying Medical Bills By Selling A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 3:58 pm

When a person receives a structured settlement it is as a result of a personal injury lawsuit – during which there is a financial arrangement so that the claimant in the case is provided with periodic payments rather than a sum of money at one time. These periodic payments can be distributed monthly, bi-annually, or annually. The payments come directly from an annuity that has been set up to fund the structured settlement.

In some cases, however, a structured settlement recipient may come upon financial circumstances that require a larger sum of money, such as significant medical bills. The structured settlement recipient can choose to sell either part or all of their future structured settlement payments. In return, the purchasing company gives the structured settlement recipient a lump sum of money for the sale; money that can then be used to pay off the medical bills.

Popularity: 22% [?]

Tuesday, October 23, 2007

Help Repair Credit Damage With The Sale Of A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 4:11 pm

As a result of a personal injury case, oftentimes a financial arrangement is made known as a structured settlement. Rather than a large sum payout, the recipient of a structured settlement arrangement receives periodic payments from an annuity that is set up and funded exclusively for the structured settlement.

In some cases, these periodic payments meet the ongoing financial needs of the recipient. But in many cases, a recipient may have a desire to sell their structured settlements to have cash in hand for some very particular needs. Such may be the case for those who are struggling with significant debt – debt that has perhaps negatively impacted their credit score.

In such a case, a structured settlement recipient may choose to seek a company experienced in purchasing structured settlements. Such a company will pay the seller one lump sum of money; in exchange, the company will be assigned to continue to receive the structured settlement payments.

If such a sale is approved by the courts, the client can then take their lump sum of money and pay down or off their debts, thus that may improve their credit score.

Popularity: 21% [?]

Monday, October 22, 2007

Stop Foreclosure By Selling A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 4:28 pm

There are few among us who have not – at one time or another – been in a stressful financial situation. While for some this may mean having difficulty making ends meet every month, for others the circumstances are much more serious – perhaps even resulting in the possible loss of a home.

For those who receive structured settlement payments as a result of a legal arrangement, such financial circumstances may have them thinking of selling the ongoing structured settlement payments.

Ordinarily, when a structured settlement arrangement is made, it accounts for ongoing, periodic payments made to the recipient through a funded annuity. The payments may simply not be enough to tackle larger financial responsibilities – such as in the circumstance of a homeowner facing foreclosure.

In such a case, the homeowner may choose to turn to a reputable company who will purchase structured settlement payments. Such a company will give the structured settlement recipient a lump sum of money in exchange for future structured settlement payments. The company that purchases the structured settlement then continues to receive the payments; in exchange the homeowner receives their cash in hand to help stop foreclosure.

Popularity: 21% [?]

Friday, October 19, 2007

Buying A Home With The Help Of Selling A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 12:21 pm

Those who receive structured settlement payments do so because of a legal arrangement created as a result of a personal injury case. Instead of a total payment, the receiver of a structured settlement will receive their money over the course of pre-arranged, periodic payments made through an annuity.

There are situations, however, where the structured settlement recipient may desire a lump sum payout of money – such as in the case of purchasing a home. Under these circumstances, the court may approve the sale of the structured settlement so that the payment recipients will have enough money in hand to purchase a property.

If such a sale is approved, the structured settlement recipient will turn to a company that specializes in purchasing structured settlements. In exchange for future annuity payments, the company that purchases the structured settlement will pay the seller a lump sum of money which they can then use in purchasing their home.

Popularity: 21% [?]

Monday, October 15, 2007

Finding An Appropriate Company To Purchase Structured Settlements

Filed under: Structured Settlements — Structured Settlement Expert @ 12:10 pm

For those involved in a personal injury lawsuit, the outcome may eventually result in a structured settlement – recurring payments made to the recipient as funded by an annuity created specifically for this purpose.

In some cases the recurring payments of structured settlements work well for the recipient. In other cases, recipients of structured settlements may find themselves in a position where a lump sum payment would be more appropriate for their needs. In such a case, structured settlement recipients may turn to a company that purchases structured settlement payments – in part or whole. In exchange for future annuity payments, the company that purchases the structured settlement provides the recipient with a lump sum payment.

Of course, it is imperative in these situations for a person interested in selling their structured settlement payments to seek out a reputable company that can meet their needs. To this end, an interested client should ensure that the company to which they plan to sell their structured settlement payments is experienced in handling such a process and does so with the strictest attention to all details. Additionally, any company that is willing to purchase your structured settlement payment should be able to demonstrate financial stability – as shown through their history and reputation in the industry. In this way, a prospective client can ensure – to the best of their ability – that the company to which they choose to sell their structured settlement will fulfill their financial obligation.

Popularity: 22% [?]

Saturday, October 13, 2007

Selling Future Payments From A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 5:11 pm

Structured settlements are the result of a legal proceeding involving personal injury. The recipient of a structured settlement is entitled to periodic payments through an annuity, rather than a lump sum of money. In many cases, this arrangement suits the recipient’s financial needs. But in others cases, the recipient may find that a lump sum of money – rather than the ongoing payments – will best suit their financial situation. In such a case they may look to sell all or a portion of their structured settlement.

There are several things to understand about selling structured settlements. For one, the sale of structured settlements must be approved through the court system. The recipient of structured settlement payments must show that receiving a lump sum payment is in their best interests.

Secondly, when selling structured payments you are really just selling the right to receive future payments. A company that buys structured settlements pays their client a lump sum of money for the right to continue to receive payments from the annuity through which the structured settlement is funded.

Popularity: 21% [?]

Friday, September 28, 2007

Paying For Education By Selling A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 9:12 am

It’s no secret that higher education often does not come cheaply. Paying for a college education can mean the commitment of thousands of dollars – sometimes even hundreds of thousands of dollars depending upon the university in question and the number of children you will put through school. Coming up with such a substantial amount of money can be challenging to say the least; often homeowners will turn to home equity loans and others will rely on personal loans and financial aid to get through the process. For those who are receiving structured settlement payments as a result of a personal injury case, however, there is the option to sell future payments in exchange for a lump sum payout.

Structured settlements are designed for personal injury claimants to allow for ongoing financial needs. Rather than receiving one large payment, the claimant will receive ongoing, periodic payments from an annuity that is funded to support the lifetime of the settlement. Such payments may be adequate to meet the financial needs of the claimant for a time, but when particular financial circumstances arise – such as the desire to pay for a child’s education – such payments may no longer adequately meet the claimant’s needs.

With the sale of structured settlement payments, the claimant works with a buyout company that purchases all or part of the ongoing structured settlement payments in exchange for a lump sum payment to the claimant. Going forward, the buyout company receives the annuity payments instead of the claimant, who now has cash in hand to pay for tuition and other education-related expenses.

Popularity: 21% [?]

Thursday, September 27, 2007

Having Access To Your Money Now With A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 5:23 pm

With a structured settlement, a claimant receives a financial arrangement with payments spread out over a pre-determined amount of time. Rather than receiving a lump sum payment, an annuity is purchased to fund the settlement. The person who receives the structured settlement is then paid through the annuity according to the terms laid out by the settlement. Different payment terms apply to different settlements

At some time, a person who receives structured settlement payments may find that their financial circumstances have changed causing a need to have access to their money rather than continuing to receive payments through an annuity. Many reasons could change ones circumstances including mounting medical bills or the need to purchase a car. Regardless of the cause, a person who is receiving structured settlement payments may opt to sell their annuity payments and receive a lump sum payment instead. Claimants in this situation can choose to work with a company that buys structured settlements. They will purchase all or part of structured settlement payments. In return, the claimant will receive a lump sum payment. The settlement purchaser will then become the recipient of the ongoing purchased annuity payments and the client will have cash to tackle their financial needs.

Popularity: 21% [?]

Monday, September 24, 2007

The Definition of A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 10:25 am

Through the process of a personal injury case, two teams of attorneys typically represent the parties; one team represents the plaintiff who feels that their injuries were caused by the negligence of the other party, and the other team represents the defendant – the person or entity that denies any liability. Depending on the circumstances of the case the defendant may choose to offer the plaintiff a financial settlement as restitution for their injuries; this settlement can cover – among other things – medical bills, lost wages, damage to property, as well as pain and suffering.

In some cases, the settlement is made in a lump sum payment. But in many cases, if a financial award is made it is arranged as a structured settlement. In the simplest of terms, a structured settlement is a periodic payment plan. According to the specific terms of the structured settlement the claimant will receive payments at specific times through a third party annuity.

In some cases, the plaintiff – once they begin to receive the structured settlement payments – may find that the arrangement does not meet their current needs and that they would prefer a lump sum payment in order to meet financial obligations. In such a case, the plaintiff will often turn to a reputable company that buys structured settlements outright. In exchange for a lump sum payment on their structured settlement annuity, the plaintiff assigns all or part of the structured settlement annuity payment to the buyout company. The plaintiff is then able to have access to a lump sum to make appropriate decisions regarding their financial future.

Popularity: 23% [?]

Saturday, September 22, 2007

The Buyout Of A Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 8:06 am

For those who are involved in a personal injury suit, there are several reasons why a claimant may prefer to settle a lawsuit and accept a structured settlement. A structured settlement provides periodic payments over time to the claimant while formally dismissing the case against the defendant. Structured settlements are often designed to allow for ongoing financial support for the injured party.

However, such payments do not come directly from the defendant. Instead, the defendant must contract with an independent third party that has experience in structured settlements. Most often, a life insurance company acts in this capacity, providing an annuity that will fund the life of the structured settlement. The claimant is then to be issued payments – monthly, quarterly, or even annually depending on what has been arranged – that are funded by the annuity.

But, in some cases, it becomes obvious to the claimant that the structured settlement does not meet their current financial needs. Perhaps they are finding that they are coming up short to pay medical bills. Or a financial situation has presented itself for which a lump sum of cash is needed. In these cases, the claimant may wish to sell some or all of their structured settlement.

In a structured settlement buyout, a third party buys all or part of your annuity from you, giving you an amount for the annuity upfront. Many who receive structured settlements find that the terms of a buyout are much more conducive to their financial situation, giving them freedom from relying on ongoing payments and allowing them to meet their financial needs head on.

Popularity: 23% [?]

Friday, September 21, 2007

The Benefits Of Selling Your Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 2:14 pm

In a personal injury case, a case may be settled thru a lump sum payment or a structured settlement in exchange for dismissing the case and thus avoiding the time and expense of litigation. A structured settlement is in lieu of a lump sum payment and is defined by structured periodic payments made directly to the claimant that can be used for ongoing medical care and other costs associated with their injuries, or as the claimant otherwise sees fit. A plaintiff is often open to the terms of a structured settlement as it provides them with recurring payments over time.

However, the circumstances of a claimant may change causing them to need a lump sum over the periodic payments of their structured settlement. Ongoing payments may be financially limiting to them in terms of making decisions regarding how best to use their own money. For instance, a claimant – instead of receiving ongoing payments in amounts that offer little momentum in addressing there current needs – will choose to sell structured settlement payments and receive all or part of their money in a lump sum payment. Reputable buyout companies work with their clients in this capacity, giving them a lump sum cash payment in return for an assignment of some or all of their structured settlement annuity payments. The buyout company will begin to receive the payments from the annuity, and their client will have cash in hand.

With a lump sum of money at their disposal, claimants have buying power, as well as financial power to make decisions that can affect the rest of their life – such as starting their own business, eliminating debt, paying for education, or buying a home.

Popularity: 20% [?]

Thursday, September 20, 2007

Selling Your Structured Settlement

Filed under: Structured Settlements — Structured Settlement Expert @ 10:34 am

Structured settlements are payment arrangements to allow for periodic, rather than a lump sum, financial award to a personal injury claimant. Often, the terms of a structured settlement are arranged to meet the specific needs of a claimant. One injured party may require more money up front and should be able to comfortably work with annual payments while another may have ongoing medical needs related to their injuries that require more frequent payments, such as those payments made semi-annually, quarterly, or monthly.

When a structured settlement is created, the defendant agrees to work with an independent third party that will insure the financial arrangement - typically a life insurance company that is experienced in handling structured settlements. The defendant sets up an annuity that will fund the payments to the claimant.

Often, however, the claimant will realize that the annuity payments no longer meet their needs. At this point, they may choose to sell all or part of their structured settlement, in exchange for a lump sum cash payment. Luckily, there are those companies that will purchase structured settlements, giving the claimant a lump sum amount, and then taking over the role of receiving payments from the annuity.

When selling your structured settlement, it is important to look for reputable companies that are experienced in structured settlement transactions. Reputable companies of this type offer exceedingly fair buyout amounts.

Popularity: 23% [?]