Quick Answer
Quick Answer: Can You Sell Your Structured Settlements in Miami?
Yes. Miami residents can sell some or all of their future structured settlement payments for a lump sum of cash. A Florida judge reviews every sale under Fla. Stat. § 626.99296, transfers typically complete in about 60 days, and quotes are free with no obligation.
Why Sell Your Structured Settlement in Miami?
In a housing market like greater Miami's, cash in hand carries a different kind of weight. Sellers here use lump sums to secure apartments, catch up on mortgages, cover medical care, launch businesses, and close out credit lines whose interest rates quietly consume each month's settlement check. Some are simply done waiting on a payment schedule set years ago by people who could not have predicted today's rents.
Florida's transfer statute, Fla. Stat. § 626.99296, controls the entire process. A circuit judge must approve the sale, all interested parties get at least 20 days advance notice, and Florida specifically requires a minimum of 20 days between signing the transfer agreement and the court hearing. Independent professional advice is also required before you appear. For Miami-Dade sellers, plan on about 60 days overall.
Petitions are heard by the Eleventh Judicial Circuit, the court serving Miami-Dade County. When the judge approves, Genex Capital funds and completes the transaction; it is the one funding partner behind this site, and your quote shows its discount rate in writing before you sign.
Statewide rules and county venues are collected on our Florida 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 Florida court filing is handled for you.
Get Your Lump Sum
Accept the best offer, complete the Florida court approval process, and receive your cash.
Florida Structured Settlement Protection Act
Under Fla. Stat. § 626.99296, the following requirements apply to structured settlement transfers in Florida:
Court Approval
Court approval is required for all structured settlement transfers in Florida. The court must find the transfer is in your best interest under Fla. Stat. § 626.99296.
Waiting Period
20 days advance notice to all interested parties
Independent Professional Advice
Independent professional advice is required before the court hearing
Key Provisions
Florida requires 20-day minimum between agreement execution and court hearing.
Regulatory Notes
Florida courts process structured settlement transfers under Fla. Stat. § 626.99296. Court approval typically takes 60 days.
Consumer Protection: If you have questions about your rights under Florida's SSPA, contact the Florida Attorney General - Consumer Protection Division.
Sell My Structured Settlement Cash guides you through every step of the Florida court approval process at no cost.
Where Your Transfer Is Filed in Miami
Miami transfers are filed with the Eleventh Judicial Circuit Court of Florida, which serves Miami-Dade County. Circuit Civil divisions sit in the historic Miami-Dade County Courthouse at 73 W Flagler St, Miami, FL 33130, so your hearing takes place in the heart of downtown.
The judge applies Fla. Stat. § 626.99296 and must find the transfer is in your best interest, accounting for your welfare and that of your dependents. Florida enforces a minimum of 20 days between the signed agreement and the hearing, interested parties receive at least 20 days advance notice, and independent professional advice is required beforehand. The hearing itself is normally brief.
Eleventh Judicial Circuit Court of Florida (Miami-Dade County)
Miami-Dade County Courthouse
73 W Flagler St, Miami, FL 33130
Official court websiteWhy Miami 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 Miami
Miami Structured Settlement Market
Greater Miami is home to about 6.39 million people. The median household income is $54,858 while the median home value sits at $433,900, and only 30.1 percent of households own. When home values run roughly eight times income, the difference between saving monthly and arriving with a lump sum is often the difference between renting indefinitely and buying.
| Metro Population | 6,391,670 |
| County | Miami-Dade |
| Median Home Value | $433,900 |
| Median Household Income | $54,858 |
| Homeownership Rate | 30.1% |
Serving Your Area
Our Miami office is at 1333 S Miami Ave #543, Miami, FL 33130, phone (786) 386-9359. Prefer to talk it through across a desk? In-person visits are welcome - stop in to review your quote face to face, or complete everything by phone. Florida sellers can also reach offices in Brandon, Jacksonville, Lakeland, Land O' Lakes, New Port Richey, Orlando, and Palm Harbor, and the rest of the state is served by phone and video.
Also Serving Nearby
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Selling Structured Settlements in Miami - FAQ
How do I sell my structured settlement in Miami?
First, get a free quote. Florida law and our own process both require the discount rate to be disclosed to you in writing. Next, sign by DocuSign or with a notary at no cost. The partner legal team files with the Eleventh Judicial Circuit, and funding is delivered about 3 business days after the judge's approval.
How long does court approval take in Florida?
Around 60 days is realistic for Miami-Dade cases. Florida requires at least 20 days between the signed transfer agreement and the hearing, plus 20 days advance notice to all interested parties, so the statute itself sets the floor. Docket availability at the Eleventh Judicial Circuit accounts for the rest of the timeline.
Where will my Miami hearing be held?
In the Miami-Dade County Courthouse at 73 W Flagler St in downtown Miami, where the Eleventh Judicial Circuit's Civil divisions sit. Expect a brief proceeding. The judge verifies that Florida's disclosure and notice requirements were met and asks enough questions to decide whether the sale is in your best interest.
Will I owe taxes on my lump sum in Florida?
Payments from a personal injury structured settlement are generally free of federal income tax, and courts have held that this tax character carries through to a sale, so the lump sum is typically not taxable. Florida adds no state income tax of its own. Still, review your specific facts with a CPA before filing anything.
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.