How Long Does It Take to Sell a Structured Settlement?
Quick Answer
The process of selling a structured settlement typically takes 45-90 days from start to finish. The national average in 2026 is 52 days. The timeline includes getting quotes (1-3 days), paperwork (5-7 days), court scheduling (20-45 days), and funding (3-5 days after approval).
Key Statistic
National average: 52 days start to cash
Expert Analysis
The biggest variable in the timeline is court scheduling. Each state has different requirements for how far in advance a hearing must be scheduled, and court backlogs vary significantly by jurisdiction. Florida and Texas tend to be fastest (30-45 days total), while New York and California can take 60-90 days.
Here's the typical breakdown: Days 1-3: Get quotes and select a buyer. Days 3-10: Complete paperwork and disclosures. Days 10-15: Buyer files petition with the court. Days 15-50: Waiting for court date. Day 50-52: Court hearing (usually 15-30 minutes). Days 52-57: Funding after approval.
Some buyers offer 'express' processing that can shave 5-10 days off, but be cautious rushing sometimes means accepting a lower offer. If you need cash urgently, some buyers offer advances of $1,000-$5,000 before court approval.
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