State Guide · 2026
Sell a Structured Settlement in Colorado
Complete guide to selling structured settlement payments in Colorado. 14 licensed buyers compete for your payments, with discount rates from 8.5% to 11.2%. Average court approval takes 30-50 days.
73%
of present value
11.2%
best: 8.5%
40d
30-50 days
14
competing nationally
Colorado Structured Settlement Protection Act (2000)
Key Provisions
Workers comp structured settlements cannot be sold
Purchaser must advise seller to seek professional advice
Filing Requirement
File in district court of seller's county of residence
Waiting Period
20 days minimum before court hearing
Cancellation Right
3 days after signing transfer agreement
Independent Advice
Recommended
Workers Comp
Prohibited
Selling a Structured Settlement in Colorado: Specific Situations
Veterans
Military veterans with structured settlements from personal injury, military accidents, or tort claims. VA disability pa...
Colorado Veterans GuideDisability
Individuals with disabilities who receive structured settlement payments and need to understand how selling affects bene...
Colorado Disability GuideWorkers Comp
Workers compensation structured settlements have special restrictions in many states. Some states explicitly prohibit tr...
Colorado Workers Comp GuideDivorce
During divorce proceedings, structured settlements are often classified as marital property subject to division. Underst...
Colorado Divorce GuideBankruptcy
Structured settlements have significant protections in bankruptcy, but the rules vary by state and chapter. Understandin...
Colorado Bankruptcy GuideInheritance
When a structured settlement recipient dies, remaining payments may pass to beneficiaries. Heirs face unique decisions a...
Colorado Inheritance GuideMedical Debt
Rising medical costs are one of the most common reasons people sell structured settlements. Understanding the financial ...
Colorado Medical Debt GuideMajor Cities in Colorado
Structured settlement holders in these Colorado cities have access to 14 competing buyers. Court approval processes may vary slightly by county, but Colorado state law (2000 SSPA) governs all transfers.
Denver, CO
Colorado Springs, CO
Aurora, CO
Fort Collins, CO
Lakewood, CO
How to Sell a Structured Settlement in Colorado: Step-by-Step
Selling structured settlement payments in Colorado 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. Colorado has 14 active buyers competing for your payments, which helps keep discount rates competitive.
Get Quotes From Multiple Colorado Buyers
Contact at least 3-5 of the 14 buyers licensed in Colorado. Each will offer a different discount rate, typically ranging from 8.5% to 14.2%. 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 Colorado
The buyer files a petition. After a 20 days waiting period, the court schedules a hearing. Colorado 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. Colorado sellers typically receive 73% of present value — one of the best rates nationally.
Workers Comp Restriction
Colorado prohibits transfer of structured settlement payments from workers' compensation claims. Only personal injury tort-based settlements can be sold.
Nearby State Guides
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