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            The entire process of selling structured settlement payments, from accepting the buying company’s quote to getting the full lump sum in the seller’s hand, can take anywhere from 45 to 90 days. Various factors go into determining the length of the process, such as the amount of time it takes to complete documentation and the specific laws in the seller’s state. Every state has a set of laws regarding how the sale of structured settlement payments may be carried out. Before getting the entire lump sum transferred over, it is possible to get cash advances as early as the day you agree to sell your payments and have the details worked out with your settlement buying company. These are smaller sums of money sent over instantly to cover necessary costs in the present day such as rent or bills.

           Once you have decided you want to sell your payments, have done a bit of research regarding the different companies you can sell to, and are ready to sell, you will discuss your situation with the buyer. Once you and the buying company agree on the terms of the transaction, the buyer will write up a contract and send it to you to be signed. After the contract is signed and returned to the buyer, it will be sent to the court in the seller’s county for approval. This is done to ensure the protection of the seller; the court decides if the sale is in the best interest of the seller and if it will benefit his or her life to have this amount of money all at once. Once the court approves the transaction, the settlement-buying company will send the lump sum of cash to the seller through a check or wire money transfer. If you are ready to sell your structured settlement payments today, give us a call to discuss your options!