Quick Answer
Quick Answer: Can You Sell Your Structured Settlements in San Diego?
Yes. San Diego residents can sell some or all of their future structured settlement payments for a lump sum of cash. A California judge reviews every sale under Cal. Ins. Code § 10134-10139.5, transfers typically complete in about 75 days, and quotes are free with no obligation.
Why Sell Your Structured Settlement in San Diego?
The distance between San Diego incomes and San Diego home prices is the backdrop for most settlement sales here. Sellers convert future payments into lump sums for down payments, medical costs, business capital, and the elimination of debt whose interest quietly outpaces the settlement itself. Some simply want to stop financing the present with borrowed money when they already own future payments that can fix it.
California polices these transactions more closely than most states. Cal. Ins. Code §§ 10134 to 10139.5 requires court approval, written disclosure of the discount rate and net amount, at least 20 days advance notice to interested parties, and a 20-day minimum waiting period between disclosure and the court hearing. Independent professional advice is required as well. All told, San Diego cases average about 75 days.
Petitions are heard by the Superior Court of California, County of San Diego. Once the judge approves, the transaction is funded and completed by Genex Capital, this site's sole funding partner, at the terms shown on your written quote. You can also review our guaranty.
California's complete rulebook is summarized on our California 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 California court filing is handled for you.
Get Your Lump Sum
Accept the best offer, complete the California court approval process, and receive your cash.
California Structured Settlement Protection Act
Under Cal. Ins. Code § 10134-10139.5, the following requirements apply to structured settlement transfers in California:
Court Approval
Court approval is required for all structured settlement transfers in California. The court must find the transfer is in your best interest under Cal. Ins. Code § 10134-10139.5.
Waiting Period
20 days advance notice to all interested parties
Independent Professional Advice
Independent professional advice is required before the court hearing
Key Provisions
California requires payee to receive independent professional advice. 20-day minimum waiting period between disclosure and court hearing.
Regulatory Notes
California courts process structured settlement transfers under Cal. Ins. Code § 10134-10139.5. Court approval typically takes 75 days.
Consumer Protection: If you have questions about your rights under California's SSPA, contact the California Department of Insurance; California Attorney General.
Sell My Structured Settlement Cash guides you through every step of the California court approval process at no cost.
Where Your Transfer Is Filed in San Diego
San Diego petitions are filed with the Superior Court of California, County of San Diego, and heard at the San Diego Central Courthouse, 1100 Union St, San Diego, CA 92101. The Central Courthouse opened in late 2017 as the consolidated downtown facility, so transfer hearings take place there rather than in scattered branch locations.
Under Cal. Ins. Code §§ 10134 to 10139.5, the judge must find the transfer is in your best interest. California enforces a 20-day minimum between disclosure and the hearing, requires at least 20 days advance notice to interested parties, and mandates independent professional advice for the payee. Hearings are usually brief once those requirements are satisfied.
Superior Court of California, County of San Diego
San Diego Central Courthouse
1100 Union St, San Diego, CA 92101
Official court websiteWhy San Diego 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 San Diego
San Diego Structured Settlement Market
San Diego's numbers frame the decision: about 3.06 million area residents, a median household income of $98,657, and a median home value of $783,300, with 47.6 percent of households owning. Even at nearly six figures of income, saving toward a home priced near eight times annual earnings takes decades, which is exactly the gap a lump sum can jump.
| Metro Population | 3,064,435 |
| County | San Diego |
| Median Home Value | $783,300 |
| Median Household Income | $98,657 |
| Homeownership Rate | 47.6% |
Serving Your Area
Our San Diego office is located at 415 Broadway #276, San Diego, CA 92101, phone (619) 935-6286, in the downtown core. If you would rather meet in person, visit us at this address - sitting down with us face to face is an option every San Diego seller has. California sellers can also work with our Bakersfield, Fresno, Los Angeles, Sacramento, and San Francisco offices, or complete everything by phone and video from anywhere in the state.
Also Serving Nearby
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Selling Structured Settlements in San Diego - FAQ
How do I sell my structured settlement in San Diego?
Ask for a free quote and read the discount rate, which California requires and we provide in writing. When ready, sign through DocuSign or before a notary at no cost. The partner legal team files your petition with the San Diego Superior Court, and funds arrive about 3 business days after the judge's order.
How long does California court approval take?
About 75 days is a realistic expectation. California's statute alone imposes a 20-day minimum between disclosure and the hearing plus 20 days advance notice to interested parties, and Superior Court calendars add the rest. It runs longer than many states, but the timeline is predictable once your hearing date is set.
Where will my hearing be held in San Diego?
At the San Diego Central Courthouse, 1100 Union St downtown, the consolidated facility that opened in late 2017 and now houses the Superior Court's main operations. Your appearance should be brief. The judge checks the statutory requirements, asks about your circumstances, and rules on the best-interest question.
How much does it cost me to sell in California?
Zero out of pocket. No fees for the quote, the notary, the document work, or the court filing. The transaction's cost lives in the discount rate: the buyer pays less than the face value of your future payments, and California requires that rate and your net amount to be disclosed in writing before approval.
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.