Selling makes sense if: you have high-interest debt costing more than the discount rate, you face a major expense with no other funding, or you have an investment with returns exceeding cost. Keep if: on government benefits, lack discipline, or have no immediate need.

Sell the minimum needed for your situation. Options: sell 1-3 years for short-term needs, sell a specific amount while keeping rest, or sell all if confident managing a lump sum. Our AI models each scenario.

Potentially yes. A lump sum counts as resource for SSI and Medicaid. Strategies: spend down within the month, establish special needs trust, or sell only enough to stay under limits ($2,000 SSI individual).

After court approval: buyer wires lump sum in 3-5 days, insurance redirects designated payments to buyer, remaining unsold payments continue to you, sale is final and cannot be reversed.

Complicated. Chapter 7: trustee may claim lump sum for creditors. Chapter 13: may affect repayment plan. Some states exempt settlements from creditors. Consult bankruptcy attorney first.

Smart IF debt interest exceeds settlement effective return rate. Example: paying $30K credit card debt at 24% by selling $35K in payments saves thousands. NOT smart for low-interest debts you can manage with periodic payments.

No legal limit but each requires separate court approval. Judges scrutinize repeated sales more carefully and may deny third or fourth transfers. Each partial sale typically has slightly higher discount rate.

Ask: exact discount rate, all fees deducted, net cash after costs, timeline to receive money, who handles court filing, written breakdown before signing, cancellation period, who pays legal fees. Get answers in writing.