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 purchase structured settlements

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kingsam




مُساهمةموضوع: purchase structured settlements   25/6/2011, 16:07

purchase structured settlements

Structured Settlement Payments and Getting Your Facts Straight
2011-6-25 / Is a settlement for you? / No Comment

A structured settlement is a financial arrangement wherein someone receives payment on a structured basis. This arrangement was created to the mutual benefit of both the one receiving and the one paying the settlement. These payments are also set up to reduce the financial burden placed on the insurance companies if they had to pay the full amount upfront. If you were awarded $1,000,000 for example and the insurance company was forced to pay this all at once it would pose a large burden. Settlements are arranged so the insurance company can pay you over time. As a reward for accepting these structured payments you will end up receiving a greater sum of money because you earn interest in the money yet to be paid. In this way the settlement is designed to help the liability holder pay off the compensation over an agreeable period of time, be aware of this if you want to purchase structured settlements.

Now that you know how the structured settlement benefits the liability holder it is also important to know how it benefits the one receiving the settlement as well. If you are the one who has won the settlement you can structure the income in a variety of ways to meet your current and future needs. This is done because any time there is a lawsuit the amount the offended party is seeking is usually ridiculously high. This is done to incentivize the defendant to see that it will cost more in legal fees and if they were to lose and have to pay the huge amount it may be better to offer a settlement.

So an amount is agreed upon from the defendants accountants and the offer is made to the plaintiff. Here is where some negotiating may take place on the specified amount but once the value is agreed upon the lawsuit is dropped and a settlement is arranged. Often times you will hear of big corporations who were being sued and then they ‘settled out of court.’ This just means they offered the one suing them a sum of money in exchange for dropping the lawsuit.

If you are offered a settlement you can choose to receive a large amount upfront or receive payments over time. By choosing payments over time you will receive more money in the end but it comes to you on a scheduled plan, say $3,000 per month for 20 years. This may seem like a great option but often times you can make more if you wisely invest the larger upfront payment. But now that you have the facts you will be able to make a better decision when you structure your settlement.
Tags: compensation, financial arrangement, insurance companies, liability holder, mutual benefit, pay you over time, paying the settlement, reduce the financial burden
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Purchase Structured Settlement
2011-6-25 / Is a settlement for you? / No Comment

Organizations that purchase settlements buy the future payments you receive in exchange for advancing you money today; of course they take a fee out as well. These companies are able to provide cash needed now in a lump sum, which is MUCH more than the monthly payments you have coming in. If you choose to do that you will no longer receive your scheduled payments set forth in the original settlement.

If you were involved in a personal lawsuit because of accident or injury, product defects or medical malpractice or even a wrongful death suit you may have negotiated yourself a settlement offer. A lot of times because personal injury settlements can be so large the payments are structured in increments to be paid out over a pre determined period of time. The predetermined time frame can be monthly, quarterly, yearly or even semi yearly with intermittent lump sums. The amount is secured in many ways to make sure the one due to receive it has a secure income in the future.

When the big money is spread out over so many months or years there are tax advantages that arise. When taking the lump sum all at once, the recipient gets a large amount of money at one time and foregoes the potential regular payments over time. Those who receive the payments because they were injured set those up because their ability to earn an income has been compromised, so the settlement is created to make sure the income is steady.

Sometimes though, the individual receiving the payments finds themselves in a situation where they need more money now than their settlement is paying them. They may need money for college or schooling or even to buy a house. When this is your situation you may want to seek out companies who purchase structured settlement.

There will be a fee charged from between 10 and 30 percent of the money advanced and the transaction is similar to getting a payday advance. However, if you wish to keep a certain portion of the payments coming to you, you may structure your sale to only sell a portion of the settlement , leaving you to still receive some amount of future payments.

Most states will require a court approval in order to sell the settlement. This is because the government doesn’t want you to be mislead into selling the settlement and they want to make sure the sale is in your best interest and not just because you want to buy something trivial.
Tags: lump sum, money today, monthly payments, original settlement, personal lawsuit, provide cash, purchase settlements, receive your scheduled payments
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Structred Settlements – Cash Now
2011-6-25 / What is a settlement? / No Comment

If you are like most people who watch tv you have seen the commercials for JG Wentworth and getting ‘cash now.’ The commercial says something like – ‘if you are getting a settlement but you need cash now.’ He then follows up with the catchy little phrase ‘its your money, use it when you need it.’ If that commercial has ever peeked your interest it is because you either have a structured settlement you want to sell or you have thought about buying one from somebody. In this article I will explain the best way to do each one of those things.

First lets examine what it takes to get a structured settlement so you can make sure selling it is really what you want to do. A settlement is made when you win a lawsuit of some kind where cash compensation is awarded by the court. Rather than receiving all the money upfront you chose to receive payments over time. This is also the case if someone has left you money and they want to make sure you spend it wisely.

If you are in the market to sell your cash settlement keep a few things in mind. You can arrange to sell a portion of the settlement and keep the rest. Say you are receiving the settlement over 30 years, you could potentially sell years 10 through 20. Or you can also sell the whole thing, but in either case you receive a lump sum payment in exchange for your future pay outs.

In order for this to be a good deal for anyone who would want to buy your settlement you need to know they will charge you a fee in addition to giving you less money in the upfront payment than you would have received over time.

If you are looking to buy a settlement than you are looking for a way to invest your money safely. Settlements can be a great option because they are guaranteed payments not just based on the performance of a company like most stocks. What you need to know is that the only way a settlement can default is if the company funding the settlement goes bankrupt, so make sure to do a proper financial evaluation. Also, make sure the deal isn’t too good to be true. If someone tells you that you can buy a 4 million dollar settlement for 2 million now, you may be looking at a fraud attempt.
Tags: awarded by the court, cash compensation, cash now, get a structured settlement, JG Wentworth, settlement you want to sell, win a lawsuit, you need cash now
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مُساهمةموضوع: رد: purchase structured settlements   25/6/2011, 16:41

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