Sell Your Structured Settlement for a Lump Sum of Cash

Yes. Structured settlement payment rights can be sold in every state, in whole or in part, through a court-approved transfer under your state's Structured Settlement Protection Act. The law does not restrict who may sell - it restricts how, requiring a judge to confirm the sale is in your best interest before it closes.

People sell for concrete reasons: eliminating high-interest debt, buying or saving a home, covering medical treatment, funding education, or capitalizing a business. The common thread is a present need that outweighs the value of waiting years for scheduled checks.

You choose the scope. Sell every remaining payment, sell a block of years, or sell a portion of each check while the rest keeps arriving - the transfer is built around your need, not a fixed package.

1. Get your free written quote. Share your payment schedule - a benefits letter makes this fast - and receive a written quote stating the exact payments you would sell, the purchase price, and the discount rate behind it. Rate disclosure is standard practice for our funding partner, Genex Capital, and rare almost everywhere else.

2. Accept and sign at no charge. The document package arrives by DocuSign or through a notary, with the signing costs covered. Take the time you need; the decision clock belongs to you.

3. The legal team files. Genex Capital's attorneys prepare and file the transfer petition your state requires. State waiting periods begin here - they exist so you and every interested party have notice before the hearing.

4. A judge reviews the transfer. The court applies the best-interest standard: your reasons, your dependents, the price, and your understanding of the terms. Genex Capital maintains a 95 percent court approval rate.

5. Get paid. Once the judge signs the order, funding is typically sent within 3 business days. Start to finish, most transfers complete in 45 to 90 days depending on the state.

Every offer is a present-value calculation. Money due years from now is worth less than money today, and the discount rate sets how much less - in this market, effective rates generally run from roughly 9% to 18% or more depending on payment timing, amounts, and market conditions.

As a clearly hypothetical illustration: $1,500 per month with ten years remaining totals $180,000 on paper. At the favorable end of the rate range a lump sum lands well into six figures; at the higher end it lands meaningfully lower. The spread between those outcomes is exactly why the rate belongs in writing on your quote.

Two levers move your number most: which payments you sell (near-term payments are discounted least) and whose quote you take (rates differ between buyers). Run your own schedule through the calculator to see a realistic range before anyone quotes you.

Sometimes the honest answer is no. Selling makes sense when the lump sum resolves something more expensive than the discount - compounding credit card debt, a foreclosure deadline, treatment that cannot wait, or an asset like a home that builds value. It makes less sense for discretionary spending, vague plans, or relieving pressure from someone else who wants the money.

Judges ask exactly these questions at your hearing, so asking them of yourself first is both good finance and good preparation. If your payments fund essential living or medical costs, think hard before touching them, and consider whether a partial sale covers the need instead.

Our guide on when not to sell lays out the cases where keeping your payments is the winning move - we would rather you read it before you sign anything, with us or anyone else.

A partial sale converts a defined slice of your settlement - specific payments, a block of years, or a percentage of each check - while the remainder keeps paying you on schedule. It is the most underused tool in this market and often the right one.

Courts respond well to tailored transfers because they solve a stated need while preserving future income, which strengthens your best-interest case at the hearing. And financially, selling only near-term payments keeps you on the cheap side of the discount math.

Sizing the sale to the need is the discipline that separates a good outcome from an expensive one. The mechanics, examples, and trade-offs are covered in our partial sale guide.

Get at least two written quotes pricing the same payments, and compare the net amount, the discount rate, and the timing side by side. Verbal numbers, pressure deadlines, and quotes that hide the rate are your cue to walk.

We built our terms so that comparison works in your favor: the discount rate disclosed in every written quote, transfer legal costs covered rather than deducted, nothing owed if the court does not approve, and a price match on any legitimate higher written offer before closing - all spelled out in our Guaranty.

See how the major buyers stack up on our comparison pages, then start with a free quote by form or at (877) 622-7503.