Sell Your Structured Settlement for a Lump Sum of Cash
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What Is a Structured Settlement?
A structured settlement is a series of periodic payments awarded as part of a personal injury lawsuit, workers' compensation claim, or other legal settlement. Instead of receiving a single lump sum, payments are made over time - often years or decades - through an annuity purchased by the defendant's insurance company.
While structured settlements provide long-term financial security, life circumstances change. Many settlement holders find that accessing their payments as a lump sum better serves their current financial needs.
Why Sell Your Structured Settlement?
Common reasons settlement holders choose to sell include:
- Medical expenses - Cover unexpected healthcare costs not covered by insurance
- Debt consolidation - Eliminate high-interest credit card debt or loans
- Home purchase - Use your lump sum as a down payment
- Education - Fund your degree or your child's college
- Business startup - Invest in yourself with capital from your settlement
Court Approval Protects You
Every structured settlement transfer requires court approval under your state's Structured Settlement Protection Act (SSPA). A judge must find that the transfer is in your best interest before any money changes hands. This process protects you as the seller - it's not a hurdle, it's a safeguard.
Full Sale vs. Partial Sale
You don't have to sell all of your payments. Many settlement holders choose a partial transfer - selling some payments while keeping the rest. The court reviews partial transfers the same way it reviews full transfers, ensuring the arrangement is in your best interest.
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How It Works
Tell Us About Your Settlement
Share the type, amount, and remaining payments of your structured settlement. It takes less than 2 minutes.
Compare Offers from Licensed Buyers
Our network of 15+ licensed factoring companies review your information and compete to make you the best lump sum offer.
Get Your Lump Sum
Accept the best offer, complete the court approval process, and receive your cash. Funds wired directly to your account.
Why Choose Sell My Structured Settlement Cash
15+ Licensed Buyers
Our network of licensed factoring companies compete for your settlement, ensuring you get the best possible offer.
Free, No-Obligation Quote
Get your lump sum offer with zero cost and no commitment. Compare offers before you decide.
No Broker Fees
There are no fees to you - ever. Our service is completely free for settlement holders.
Court Approval Guidance
We guide you through every step of your state's court approval process at no additional charge.
Serving All 50 States
We serve structured settlement holders nationwide. Every state's SSPA requirements are covered.
Confidential & Secure
Your information is protected and shared only with licensed buyers you choose to work with.
Frequently Asked Questions
What is a structured settlement?
A structured settlement is a series of periodic payments from a legal settlement or insurance claim, paid over time through an annuity. Instead of one lump sum, you receive scheduled payments - often for years or decades.
How much will I get for my structured settlement?
The amount depends on the discount rate, remaining payment schedule, and current market conditions. Sell My Structured Settlement Cash connects you with multiple competing buyers to ensure you get the best offer available.
Is court approval required?
Yes. Under your state's Structured Settlement Protection Act (SSPA), a judge must approve the transfer. This protects you by ensuring the deal is fair and in your best interest.
How long does the process take?
Most transfers complete within 45-90 days, depending on your state's court schedule and the complexity of the transfer.
Can I sell only part of my structured settlement?
Yes. A partial transfer lets you sell some payments while keeping others. The court reviews partial transfers the same way.
Are there any fees?
No. Our service is completely free for settlement holders. Sell My Structured Settlement Cash earns its fee from the factoring companies - you never pay us anything.
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