Settlement Decisions
Free · no obligation · 100% confidential

Sell your settlement. Keep more cash.

Stop leaving money on the table. We connect you with 3-5 competing licensed buyers so you get the highest offer for your structured settlement payments.

  • Bank-level encryption
  • Court-approved process
  • Vetted licensed buyers

Get your free evaluation

Takes about 90 seconds

Encrypted
Step 1 of 333%
SSL encrypted No spam Free forever

0+

Licensed buyers

$0

Avg extra savings

0

Days to cash

0%

Approval rate

How it works

Five steps from form to cash

From form submission to cash in your account. Most sellers complete the process in 45-60 days.

1

Share your details

Fill out the quick form above. Takes 90 seconds.

256-bit encrypted. Never shared without permission.

2

Get 3-5 competing offers

Licensed buyers compete for your settlement within 24 hours.

Average savings: $12,400 vs. accepting a single offer.

3

Compare side-by-side

See every offer with clear discount rates, fees, and net cash.

Our free tool highlights the best deal automatically.

4

Court approves transfer

A judge confirms the sale is in your best interest.

We handle all paperwork and court filings at zero cost.

5

Cash in your account

Funds wired directly to your bank. Typical: 45-60 days total.

The judge approves the sale if it meets your state's best-interest standard.

Read the full step-by-step guide

What people do with it

Why sellers use their cash

Common reasons people give for selling.

34%

Medical bills

Cover surgeries, treatments, or ongoing care now.

34% of sellers

28%

Eliminate debt

Pay off high-interest credit cards, loans, or collections.

28% of sellers

22%

Buy a home

Use your lump sum as a down payment and build equity.

22% of sellers

8%

Education

Invest in your future or your children's tuition.

8% of sellers

5%

Start a business

Fund your entrepreneurial vision with real capital.

5% of sellers

3%

Invest & grow

Diversify into real estate, stocks, or retirement.

3% of sellers

Built-in protection

A judge signs off before any money moves

Every sale goes through court. The judge checks the deal is in your best interest, not the buyer's, and the rate, fees and net amount must be disclosed in writing.

  • Court order required
  • Full written disclosure
  • Your interest comes first

The network

Buyers in our network

All buyers are BBB-rated, licensed, and vetted. See full reviews

Peachtree Financial

9-13%

BBB A+40-55 days

SenecaOne

9-13%

BBB A+35-50 days

Fairfield Funding

10-14%

BBB A40-55 days
Full company rankings

FAQ

Frequently asked questions

Everything you need to know before selling. See our full Q&A guide

How long does it take to get my cash?
The typical timeline is 45-60 days from submission to funds in your account. This includes buyer matching (24hrs), paperwork (1 week), state waiting period (varies), and court approval (2-4 weeks).
How much will I actually receive?
You receive your settlement's present value minus the buyer's discount rate (typically 9-18%). Getting 3-5 competing quotes consistently drives rates down 2-4 percentage points, which means $10,000-$25,000 more cash on average.
Can I sell just part of my settlement?
Absolutely. You can sell a specific number of payments, a portion of each payment, or all remaining payments. Partial sales let you access cash now while preserving future income. Courts actually favor partial sales.
Is the sale taxable?
In most cases, no. Under IRC Section 104(a)(2), structured settlement payments from personal injury remain tax-free whether received as payments or a lump sum. Workers' comp settlements are also tax-free. Consult a tax professional for your specific situation.
What if the judge denies my sale?
Judges deny fewer than 5% of properly structured petitions. Denials usually happen when the rate is clearly predatory or the seller cannot demonstrate a legitimate need. We help structure your sale for maximum approval likelihood.
What discount rate should I expect?
Fair rates range from 9-13% for guaranteed payments in 2026. Anything above 15% for guaranteed payments is below market. Getting competing quotes is the single most powerful way to drive your rate down.
Are there any upfront fees?
Never. Legitimate buyers do not charge upfront fees. All costs are factored into the discount rate and fully disclosed before you sign. Any company asking for money upfront is a red flag - walk away immediately.
Do I need a lawyer?
While not required in every state, we strongly recommend it. States like California require buyers to pay up to $1,500 for your independent attorney. Many attorneys offer free 15-minute consultations for settlement questions.

Free tools

Free tools & resources

Everything you need to make the best decision.

Ready to see what your settlement is worth?

Use our free service to compare offers and keep more of their money.

Use calculator
100% free No obligation Results in 24hrs

Free weekly insights

Get exclusive settlement insights

Rate alerts, negotiation tips, market updates delivered free every week.

No spam. Unsubscribe anytime. We also share exclusive rate alerts and buyer comparisons.

Before you sign

How to compare structured settlement offers

Comparing structured settlement offers means converting each quote into an effective discount rate, then ranking by net cash after fees. A $2,000 monthly payment with 15 years remaining has a $360,000 face value. At a 9% discount rate you receive roughly $205,000; at 15%, roughly $142,000. That $63,000 spread is why comparing 3-5 buyers matters more than any other decision in the process.

$2,000/mo for 15 years ($360,000 face value)
At 9%
~$205k
At 15%
~$142k

≈ $63,000 difference

Is my structured settlement offer fair?

An offer is competitive when the effective discount rate falls between 7.5% and 12% for guaranteed payments. Rates of 15% to 18% are typical of first offers made to sellers who have not shopped around. Ask every buyer to state the discount rate in writing, not just the lump sum.

Which company pays the most for structured settlements?

No single buyer pays the most on every case. Rates vary by state, face value, payment type, and how many competing quotes you hold. Note that JG Wentworth, Peachtree Financial, and Stone Street Capital share a parent company, so quotes from all three are not independent competition. Include at least one unaffiliated buyer.

What is a good discount rate on a structured settlement?

Guaranteed payments price between 7.5% and 12% for well-shopped cases. Life-contingent payments price several points higher because the buyer assumes mortality risk. Larger face values and monthly payment frequency both improve your rate.

Can I negotiate a structured settlement offer?

Yes. Written competing quotes are the only leverage that reliably moves a discount rate. Buyers expect negotiation and rarely lead with their best rate. Never accept a first offer without at least two comparisons.

How many quotes should I get before selling?

Three to five. Below three you have no reference point for whether a rate is competitive. Above five, returns diminish and the paperwork burden grows. Request all quotes within the same two-week window so the underlying rate environment is comparable.