Sell My Structured Settlement in California

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.

In practice, California judges weigh why you need the money, how the price compares to the payments you are giving up, whether dependents rely on the payments, and whether you understand the terms. Independent professional advice is required before the court hearing. Arriving with a written quote that discloses the discount rate makes that conversation straightforward.

California specifics: California requires payee to receive independent professional advice. 20-day minimum waiting period between disclosure and court hearing.

Sell everything or only part. Many California sellers transfer a few years of payments and keep the rest of the schedule. Courts tend to view tailored, partial transfers favorably because they solve the immediate need while preserving income.

Other payment types. California residents can also sell annuity payments and lottery installments, each with its own process and timeline.

California requires 20 days advance notice to all interested parties, and transfers typically clear court in about 75 days. Once the judge signs the order, funding is typically sent within 3 business days by our funding partner.

Questions or concerns along the way can also be raised with the California Department of Insurance; California Attorney General, California's consumer protection resource.