What Percentage of My Settlement Can I Sell?
Quick Answer
You can sell anywhere from 10% to 100% of your remaining structured settlement payments. Most buyers have a minimum purchase of $5,000-$10,000 in total payment value. The most common partial sale ranges are 25-50% of remaining payments. Courts tend to approve partial sales more readily than full sales.
Key Statistic
Most common range: 25-50% partial sale
Expert Analysis
You have several options for structuring a partial sale: Sell a specific number of payments (e.g., next 36 monthly payments). Sell a dollar amount from each payment (e.g., $1,000 of your $2,500 monthly payment for all remaining months). Sell payments from a specific time window (e.g., payments from years 3-7 only, keeping years 1-2 and 8+). Sell a lump sum payment if your settlement includes one.
Court approval rates by percentage sold: 10-25% sold: ~95% approval rate. 25-50% sold: ~90% approval rate. 50-75% sold: ~82% approval rate. 75-100% sold: ~75% approval rate.
Strategic tip: If you need more money than a small partial sale provides, consider doing a larger partial sale rather than a full sale. Judges are more likely to approve, and you maintain some future income as a safety net. You can always come back later to sell more if needed.
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