Quick Answer
Quick Answer: Can You Sell Your Structured Settlements in Memphis?
Yes. Memphis residents can sell some or all of their future structured settlement payments for a lump sum of cash. A Tennessee judge reviews every sale under Tenn. Code Ann. § 47-18-2601 et seq., transfers typically complete in about 60 days, and quotes are free with no obligation.
Why Sell Your Structured Settlement in Memphis?
No one in Tennessee can buy your settlement payments with a handshake. Tenn. Code Ann. § 47-18-2601 routes every transfer through a judge, who must find the sale in your best interest before a single dollar moves. In Memphis, that review belongs to the Shelby County Circuit Court, and it exists to protect you from bad deals, not to slow down good ones.
Sellers here tend to arrive with a plan already formed: knock out medical debt, buy a house while one is within reach, replace high-interest balances with a clean slate, or put working capital into a business. A lump sum handles in one step what fixed monthly checks might take a decade to do.
Tennessee's process runs about 60 days from signed agreement to funding. Interested parties receive 20 days advance notice, independent professional advice is required before your hearing, and the discount rate, net advance, and fees must all be disclosed in writing.
Every transaction on this site is funded and completed by our partner Genex Capital after court approval. Our Tennessee page breaks the statute down section by section.
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 Tennessee court filing is handled for you.
Get Your Lump Sum
Accept the best offer, complete the Tennessee court approval process, and receive your cash.
Tennessee Structured Settlement Protection Act
Under Tenn. Code Ann. § 47-18-2601 et seq., the following requirements apply to structured settlement transfers in Tennessee:
Court Approval
Court approval is required for all structured settlement transfers in Tennessee. The court must find the transfer is in your best interest under Tenn. Code Ann. § 47-18-2601 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
Tennessee requires full disclosure of the discount rate, net advance amount, and all fees before court approval.
Regulatory Notes
Tennessee courts process structured settlement transfers under Tenn. Code Ann. § 47-18-2601 et seq. Court approval typically takes 60 days.
Consumer Protection: If you have questions about your rights under Tennessee's SSPA, contact the Tennessee Attorney General - Consumer Protection Division.
Sell My Structured Settlement Cash guides you through every step of the Tennessee court approval process at no cost.
Where Your Transfer Is Filed in Memphis
Memphis transfers are filed in the Shelby County Circuit Court, Tennessee's 30th Judicial District, at the Shelby County Courthouse, 140 Adams Avenue, Memphis, TN 38103. The assigned judge examines your petition under Tenn. Code Ann. § 47-18-2601 and approves only after finding the transfer in your best interest, verifying the written disclosures, the 20 days advance notice to interested parties, and your independent professional advice. Hearings are typically brief, and the setting is formal but the tone practical. Most sellers are in and out quickly after answering a handful of questions about their reasons and their plans for the money.
Shelby County Circuit Court (30th Judicial District of Tennessee)
Shelby County Courthouse
140 Adams Avenue, Memphis, TN 38103
Official court websiteWhy Memphis 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 Memphis
Memphis Structured Settlement Market
Metro Memphis is home to 1,037,125 people, with a median household income of $48,090 and a median home value of $139,600. Home prices at that level put ownership within reach of a moderate lump sum, and with 46.6 percent of households already owning, settlement proceeds here often finish the job: a full down payment, a payoff, or a purchase outright.
| Metro Population | 1,037,125 |
| County | Shelby |
| Median Home Value | $139,600 |
| Median Household Income | $48,090 |
| Homeownership Rate | 46.6% |
Serving Your Area
We serve Memphis and Shelby County entirely by phone and video, with every step, from the first written quote to the notarized signing, handled without an office visit. Our nearest Tennessee office, in Nashville, supports the region, and court filings for Memphis sellers proceed in the same local venue either way.
Also Serving Nearby
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Selling Structured Settlements in Memphis - FAQ
How do I sell my structured settlement in Memphis?
The path is short. Get a free quote with the discount rate set out in writing. Sign by DocuSign or with a notary, both free. The partner legal team files your petition with the Shelby County Circuit Court and manages the hearing. Once the judge signs the approval order, your funds arrive in about 3 business days.
How long does Tennessee court approval take?
Expect roughly 60 days from contract to funded account. Tennessee requires 20 days advance notice to every interested party before the hearing and independent professional advice before you appear, so part of the schedule cannot be compressed. Getting documents right the first time protects the rest of the timeline.
Where will my Memphis hearing take place?
At the Shelby County Courthouse, 140 Adams Avenue, before a Circuit Court judge in the 30th Judicial District. The proceeding is brief and plain-spoken. The judge wants to confirm you understand the discount rate, that the required advice and notices happened, and that the sale genuinely helps your situation.
Is the money from selling my settlement taxable in Tennessee?
Usually not. Structured settlements from personal physical injury cases pay out tax-free under federal law, and courts have held that the tax character follows the payments when they are sold, so the lump sum generally keeps the same treatment. Bring your specifics to a CPA anyway, particularly if your settlement includes interest or non-injury components.
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.