Quick Answer
Quick Answer: Can You Sell Your Structured Settlements in Charleston?
Yes. Charleston residents can sell some or all of their future structured settlement payments for a lump sum of cash. A South Carolina judge reviews every sale under S.C. Code Ann. § 15-81-10 et seq., transfers typically complete in about 60 days, and quotes are free with no obligation.
Why Sell Your Structured Settlement in Charleston?
A structured settlement that made sense at signing can fit poorly years later. Charleston County sellers come to us to pay down medical debt, keep up with housing costs in one of the Southeast's priciest coastal markets, fund a business, or escape high-interest borrowing that eats the value of every monthly check. Some simply want one number in the bank instead of a decades-long drip.
South Carolina law puts a judge between you and any buyer, by design. Under S.C. Code Ann. § 15-81-10 et seq., a transfer must be approved by the Court of Common Pleas, the state's civil trial court. All interested parties get at least 20 days advance notice, independent professional advice is required before the hearing, and the discount rate, net advance amount, and all fees must be disclosed before approval. Most Charleston transfers complete in roughly 60 days.
When you sell through this site, Genex Capital funds and completes the transaction after the court signs off. There is no auction and no bait pricing, just one written quote with the discount rate stated plainly. Details on your state's rules are on our South Carolina page.
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.
Tell Us About Your Structured Settlements
Share your structured settlement details. It takes less than 2 minutes.
Get Your Written Quote
Your quote states the payments, price, and discount rate in writing. Sign by DocuSign or notary at no charge, and the South Carolina court filing is handled for you.
Get Your Lump Sum
Accept the best offer, complete the South Carolina court approval process, and receive your cash.
South Carolina Structured Settlement Protection Act
Under S.C. Code Ann. § 15-81-10 et seq., the following requirements apply to structured settlement transfers in South Carolina:
Court Approval
Court approval is required for all structured settlement transfers in South Carolina. The court must find the transfer is in your best interest under S.C. Code Ann. § 15-81-10 et seq.
Waiting Period
20 days advance notice to all interested parties
Independent Professional Advice
Independent professional advice is required before the court hearing
Key Provisions
South Carolina requires full disclosure of the discount rate, net advance amount, and all fees before court approval.
Regulatory Notes
South Carolina courts process structured settlement transfers under S.C. Code Ann. § 15-81-10 et seq. Court approval typically takes 60 days.
Consumer Protection: If you have questions about your rights under South Carolina's SSPA, contact the South Carolina Department of Consumer Affairs.
Sell My Structured Settlement Cash guides you through every step of the South Carolina court approval process at no cost.
Where Your Transfer Is Filed in Charleston
Charleston transfers are filed in the Charleston County Court of Common Pleas, part of South Carolina's Ninth Judicial Circuit, at the Charleston County Judicial Center, 100 Broad Street, Charleston, SC 29401. The Court of Common Pleas is South Carolina's civil trial court of general jurisdiction, so this is the same bench that handles the county's major civil cases.
The judge must find the sale is in your best interest under S.C. Code Ann. § 15-81-10 et seq. before granting the order. That review follows the required 20 days advance notice to interested parties and your independent professional advice session. Hearings are typically brief and conversational rather than adversarial.
Charleston County Court of Common Pleas (Ninth Judicial Circuit of South Carolina)
Charleston County Judicial Center
100 Broad Street, Charleston, SC 29401
Official court websiteWhy Charleston Residents Choose Sell My Structured Settlement Cash
Court-Approved Process
Every transfer is reviewed by a judge for your protection, and the filing work is handled for you.
No-Surprise Net Price
The quote you accept is the amount you receive. Transfer legal costs are covered, not deducted later.
Competitive Offers
Strong pricing on your payments, and a legitimate higher written offer will be matched before closing.
No Pressure, Ever
Straight answers and patient support. Take the time you need - the decision is always yours.
Other Payments You Can Sell in Charleston
Charleston Structured Settlement Market
The Charleston area holds about 734,681 people. Median household income runs $83,891 while the median home is valued at $438,900, and 55.6 percent of households own rather than rent. Those home values explain why sellers here often put a lump sum toward a down payment or toward clearing debt that stands between them and a mortgage approval.
| Metro Population | 734,681 |
| County | Charleston |
| Median Home Value | $438,900 |
| Median Household Income | $83,891 |
| Homeownership Rate | 55.6% |
Serving Your Area
Find us at 804 Meeting St #351, Charleston, SC 29403, or call (843) 309-2477. The door is open for in-person appointments and walk-in visits alike - come by the office or work with us remotely, your choice. This office serves Charleston and the Lowcountry, and everywhere else in South Carolina is handled by phone and video with no office visit needed.
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Selling Structured Settlements in Charleston - FAQ
How do I sell my structured settlement in Charleston?
Begin with a free quote showing the discount rate in writing, so you know the real cost before deciding. Sign electronically through DocuSign or with a notary at no charge. The partner legal team files your petition with the Charleston County Court of Common Pleas, and money arrives about 3 business days after the judge approves.
How long does South Carolina court approval take?
Around 60 days start to finish is the norm. The statute requires at least 20 days advance notice to every interested party before your hearing, and you complete the independent professional advice requirement during that period. The Ninth Judicial Circuit's calendar sets the final hearing date, so the exact timeline varies case by case.
Where is the hearing held for Charleston County sellers?
At the Charleston County Judicial Center, 100 Broad Street in downtown Charleston, where the Court of Common Pleas sits. Expect a short session. The judge verifies the disclosures, asks about your reasons and your plans for the funds, and then rules on whether the transfer is in your best interest.
What does it cost to sell my settlement payments?
Nothing out of pocket. There are no application fees, notary charges, or filing costs billed to you. The economics are built into the purchase price instead: the buyer pays a discounted amount for your future payments, and that discount rate appears in writing on your quote and in the court disclosures. You can also review our guaranty.
What Our Clients Say
Hear from real customers who sold their payments to buy homes, start businesses, pay for education, and meet medical costs.
Structured Settlements
The quote showed the exact discount rate in writing before I signed anything. Nobody pressured me and the number they quoted is the number that arrived.
Michael R.
Structured Settlements
The court approval process seemed overwhelming until they walked me through every step. No surprises, no hidden fees.
Jennifer L.
Structured Settlements
I needed cash for medical bills. I had a written offer within a day and the whole process was transparent and professional.
David W.