State Guide · 2026
Sell a Structured Settlement in Arizona
Complete guide to selling structured settlement payments in Arizona. 16 licensed buyers compete for your payments, with discount rates from 8.5% to 11.5%. Average court approval takes 30-50 days.
71%
of present value
11.5%
best: 8.5%
40d
30-50 days
16
competing nationally
Arizona Structured Settlement Protection Act (2000)
Key Provisions
Purchaser must advise seller in writing to seek professional advice
Community property state — divorce implications
Filing Requirement
File in Maricopa County Superior Court or county of residence
Waiting Period
20 days minimum before court hearing
Cancellation Right
3 days after signing transfer agreement
Independent Advice
Recommended
Workers Comp
Allowed
Selling a Structured Settlement in Arizona: Specific Situations
Veterans
Military veterans with structured settlements from personal injury, military accidents, or tort claims. VA disability pa...
Arizona Veterans GuideDisability
Individuals with disabilities who receive structured settlement payments and need to understand how selling affects bene...
Arizona Disability GuideWorkers Comp
Workers compensation structured settlements have special restrictions in many states. Some states explicitly prohibit tr...
Arizona Workers Comp GuideDivorce
During divorce proceedings, structured settlements are often classified as marital property subject to division. Underst...
Arizona Divorce GuideBankruptcy
Structured settlements have significant protections in bankruptcy, but the rules vary by state and chapter. Understandin...
Arizona Bankruptcy GuideInheritance
When a structured settlement recipient dies, remaining payments may pass to beneficiaries. Heirs face unique decisions a...
Arizona Inheritance GuideMedical Debt
Rising medical costs are one of the most common reasons people sell structured settlements. Understanding the financial ...
Arizona Medical Debt GuideMajor Cities in Arizona
Structured settlement holders in these Arizona cities have access to 16 competing buyers. Court approval processes may vary slightly by county, but Arizona state law (2000 SSPA) governs all transfers.
Phoenix, AZ
Tucson, AZ
Mesa, AZ
Chandler, AZ
Scottsdale, AZ
How to Sell a Structured Settlement in Arizona: Step-by-Step
Selling structured settlement payments in Arizona requires court approval under the state's Structured Settlement Protection Act, enacted in 2000. The process typically takes 30-50 days from start to finish. Arizona has 16 active buyers competing for your payments, which helps keep discount rates competitive.
Get Quotes From Multiple Arizona Buyers
Contact at least 3-5 of the 16 buyers licensed in Arizona. Each will offer a different discount rate, typically ranging from 8.5% to 14.5%. The difference on a $200,000 settlement can be $15,000-$30,000.
Sign a Transfer Agreement
The agreement outlines payment rights being transferred, your lump sum, and all fees. Independent advice is strongly recommended. You have 3 days to cancel.
Court Filing & Approval in Arizona
The buyer files a petition. After a 20 days waiting period, the court schedules a hearing. Arizona typically allows phone or video hearings. The judge evaluates whether the sale is in your best interest.
Receive Your Lump Sum
After approval, the insurance company redirects payments and the buyer wires your cash. Arizona sellers typically receive 71% of present value — in line with the national average.
Nearby State Guides
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