I have a structured settlement but I need cash now.

What should I do if I have a structured settlement and I need cash now?

  • Answer:

    If you have a structured settlement where you are receiving payments over a term, you can sell that structured payments for cash now. For instance, let's say you have an annuity that pays you 500 dollars a month for 10 yrs for a total of 100k dollars (does not actually equate to 100k), you can sell that structured payment to a private investor, a company or sometimes a bank. The catch is, they won't pay you 100k for that structured settlement for a 100k, they'll discount it like say a payout of $65k cash. The reason why is you are getting your cash now, while they would have to wait for theirs to the end of the term of that structured payment schedule.

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Other answers

Look in the classified ads section of your local paper. People who buy structured settlements advertise in the classified. There is also a company that has been advertising on Television, you might ask them for an offer to see how much they pay compared to the local investors. The current average return on structured settlements purchased is 18% so expect to take a bath when you sell it.

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Get a loan.

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