How It Works
Selling your structured settlement is simpler than you think. Here's what to expect.
Simple, Transparent Process
Your written quote spells out exactly which payments you are selling, the purchase price, and the discount rate. No surprises at any step, and you owe nothing if the court does not approve.
Get Your Free Written Quote
Tell us about your payments. Your written quote states exactly which payments you would sell, the purchase price, and the discount rate - a level of transparency most buyers never offer. Free, no obligation.
Sign and Let the Legal Team File
Accept the offer and sign by DocuSign or notary at no charge. Our funding partner’s legal team prepares and files the court petition your state’s Structured Settlement Protection Act requires - the paperwork is handled for you.
Court Approval, Then Get Paid
A judge confirms the sale is in your best interest - our funding partner maintains a 95 percent court approval rate. Once approved, funds are typically sent within 3 business days.
What Happens During Court Approval?
Every structured settlement transfer requires court approval under your state's Structured Settlement Protection Act (SSPA). This process protects you by ensuring the transfer is in your best interest.
Here's what the court approval process typically involves:
- Petition filed - The factoring company files a petition with the court in your state.
- Waiting period - Most states require a waiting period (typically 20-30 days) before the hearing.
- Independent advice - Some states require you to receive independent professional advice.
- Court hearing - A judge reviews the transfer and confirms it's in your best interest.
- Transfer order - The court issues an order approving the transfer.
- Funds disbursed - The factoring company wires your lump sum payment.
The entire process typically takes 45-90 days from start to finish depending on your state. Every purchase is funded and completed by our funding partner, Genex Capital, an established buyer of settlement payment rights - and if the court does not approve your transfer, you owe nothing. See our Guaranty for the promises that apply to every quote.