Quick Answer
Quick Answer: Can You Sell Your Structured Settlements in Phoenix?
Yes. Phoenix residents can sell some or all of their future structured settlement payments for a lump sum of cash. A Arizona judge reviews every sale under Ariz. Rev. Stat. § 12-2901 et seq., transfers typically complete in about 60 days, and quotes are free with no obligation.
Why Sell Your Structured Settlement in Phoenix?
Every structured settlement has two values: the face total of all future checks, and what those checks are worth in cash today. The gap between them is the discount rate, and Arizona law requires it to be disclosed to you in writing, along with the net amount and all fees, before any judge will approve a sale. Understanding that one number tells you almost everything about whether an offer is worth taking.
That disclosure rule comes from Ariz. Rev. Stat. § 12-2901 et seq., which also requires 20 days advance notice to interested parties, independent professional advice before the hearing, and a Maricopa County judge's finding that the transfer serves your best interest. The typical Phoenix timeline is about 60 days.
Sellers here put lump sums toward down payments, medical bills, debt consolidation, and small business needs. If the disclosed rate beats the cost of borrowing, selling can be the cheaper path to the same cash. See how it works, then check our Arizona page for state detail. Transactions through this site are funded and completed by Genex Capital after court approval.
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 Arizona court filing is handled for you.
Get Your Lump Sum
Accept the best offer, complete the Arizona court approval process, and receive your cash.
Arizona Structured Settlement Protection Act
Under Ariz. Rev. Stat. § 12-2901 et seq., the following requirements apply to structured settlement transfers in Arizona:
Court Approval
Court approval is required for all structured settlement transfers in Arizona. The court must find the transfer is in your best interest under Ariz. Rev. Stat. § 12-2901 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
Arizona requires full disclosure of the discount rate, net advance amount, and all fees before court approval.
Regulatory Notes
Arizona courts process structured settlement transfers under Ariz. Rev. Stat. § 12-2901 et seq. Court approval typically takes 60 days.
Consumer Protection: If you have questions about your rights under Arizona's SSPA, contact the Arizona Attorney General - Consumer Protection & Advocacy Section.
Sell My Structured Settlement Cash guides you through every step of the Arizona court approval process at no cost.
Where Your Transfer Is Filed in Phoenix
Phoenix transfer petitions are heard by the Superior Court of Arizona in Maricopa County. The Civil Department sits in the East Court Building at 101 W Jefferson St, part of the downtown Phoenix court complex. Applying Ariz. Rev. Stat. § 12-2901 et seq., the judge must confirm the written disclosures were made, the 20-day advance notice to interested parties ran its course, and you obtained independent professional advice, then decide whether the sale is in your best interest given your circumstances and any dependents who rely on the payments. The hearing itself is typically brief and direct.
Superior Court of Arizona in Maricopa County
East Court Building
101 W Jefferson St, Phoenix, AZ 85003
Official court websiteWhy Phoenix 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 Phoenix
Phoenix Structured Settlement Market
Maricopa County is home to over 4.1 million people, with a median household income of $72,092 and a median home value of $340,200. At 56.4 percent, homeownership here runs higher than in most large metros, and settlement sellers often aim a lump sum at exactly that: getting into a house, paying one down, or funding the repairs that protect the investment.
| Metro Population | 4,121,103 |
| County | Maricopa |
| Median Home Value | $340,200 |
| Median Household Income | $72,092 |
| Homeownership Rate | 56.4% |
Serving Your Area
We are located at 1 N Central Ave #1461, Phoenix, AZ 85004, near the downtown court complex. Call (602) 782-6946. If you would rather meet in person, visit us at this address - sitting down with us face to face is an option every Phoenix seller has. We serve Phoenix and all of Arizona by phone and video, so distance from downtown never slows a quote, a signature, or hearing preparation.
What Are Your Payments Worth?
Enter your payment details below and we will get back to you with a personalized estimate. No obligation, no pressure.
Calculate the Value of Your Payments
Tell us about your payment stream and we will get back to you with an estimate.
Selling Structured Settlements in Phoenix - FAQ
How do I sell my structured settlement in Phoenix?
Get your free quote, which includes the discount rate disclosed in writing as Arizona requires. Sign the agreement by DocuSign or with a notary at no charge. From there, the partner legal team files the petition in Maricopa County Superior Court, and funding is completed about 3 business days after the judge approves.
How long does court approval take in Arizona?
About 60 days is standard. Arizona's 20 days advance notice to all interested parties is the statutory floor, and Maricopa County hearing calendars make up the difference between that floor and the real-world timeline. Once the approval order is entered, expect funding in roughly 3 business days.
Where will my Phoenix hearing be held?
In the East Court Building at 101 W Jefferson St, home to the Civil Department of the Superior Court of Arizona in Maricopa County. The hearing is typically brief. Judges want a plain account of why you are selling and confirmation that you understand the discount rate and net payout.
Do I have to sell all of my payments, or just some?
Just some, if that is all you need. Arizona transfers can cover a specific stretch of payments, a percentage of each check, or a single future lump sum, leaving the rest untouched. Many Maricopa County sellers structure partial sales so the remaining payments still cover ongoing monthly needs.
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.