If you are looking up how to sell a structured settlement, you probably have a bill in front of you and a stream of future payments that is not helping today. You may also have a phone that has already started ringing with offers you never asked for. That combination makes people suspicious of every buyer, including us.
The two fears we hear most are simple. First: if I raise my hand, will I be hounded forever? Second: will I sign something that gives away more than I understood? Both are fair, and you can get answers to both before you decide anything.
One thing to say plainly up front: this page is general information, not legal advice, and not tax advice. For advice about your own situation, talk to your own attorney and tax advisor.
How to sell a structured settlement without the phone spam
The short version is four moves: you make an inquiry, we look at your paperwork, a court reviews the transfer, and if the judge approves, the transfer goes through. You start it. Nothing changes about your payments unless a judge signs off.
That structure answers both fears. The first move is yours, so a buyer has no reason to call you at all. And the last word belongs to a court, so no one can quietly take your payments. Those are the guardrails of this process.
The full walkthrough, including which documents are involved, is on our how it works page. Here are the five steps as we actually run them.
Step 1: You make the first move
You send us a note through the contact form, or you email [email protected]. Tell us as much or as little as you like.
You do not have to give a phone number. If you would rather not be called, say so and we will not call. One person here reads what you send and replies, usually within one business day.
Nothing is decided at this stage. Asking a question does not commit you to anything, and it does not put you on a list. We comply with do not call laws, and we do not sell your information to anyone.
Step 2: We look at your paperwork
To say anything useful about your own payments, we have to see them. That usually means the settlement or annuity agreement, the payment schedule, and your ID. Sometimes the court file from your original case helps as well.
If you are missing a document, say so. We would rather work with what you have than send you chasing paper you cannot find.
This step costs you nothing and does not obligate you to sell. Plenty of people stop here, once they see their stream written out on paper.
Step 3: You get an offer in writing
If we are interested, you get a written offer. It names the payments we would buy, the amount we would pay for them, and the discount built into the price. In writing, so you can read it slowly and compare it.
Take it to someone who is not us before you sign anything: your own lawyer, an accountant, a financial advisor, or a person you trust. We will never tell you not to.
Nothing is agreed until you sign, and you can say no. You can also ask us to look at different payments, because you do not have to sell everything you receive.
Step 4: A judge reviews the transfer
Under Florida law, a purchase of structured settlement payment rights has to be approved by a court. The statute is Fla. Stat. § 626.99296, and it includes a 20-day notice period under § 626.99296(4)(b) before the matter can go further.
A judge can approve the transfer, approve it with changes, or deny it. We cannot tell you which way it will go, and we will not pretend we can. Anyone who tells you the outcome in advance is promising something they cannot know.
The hearing looks at whether the transfer is in your interest. That is why you are part of it, and why you are free to bring your own attorney.
The notice period and the court calendar are also why the timeline is weeks, not days. If a buyer gives you a firm date, ask what happens if the judge rules later than that. The FAQ covers the timing questions people ask us most.
Step 5: Approved transfer, then payment
If the judge approves, the transfer goes forward and you are paid as the court order describes. If the judge denies it, there is no transfer. You keep your payments and you owe us nothing.
At every point before it is final, you can stop. Nothing is signed behind your back in this process.
What this costs you
Nothing up front. There is no application fee, no charge to talk to us, and no charge to send your paperwork. If nothing comes of it, you pay nothing.
Our price is a disclosed discount. We buy payment rights for less than the total of the payments we are buying, and that difference is how we are paid. It is written into the offer in plain terms, so you can see what you are giving up before you decide.
A judge has to approve the transfer, which means the terms get read by someone whose job is not to take our side.
Get independent advice anyway. Someone who does not work for us and does not get paid by us. That is worth more than any explanation we can give you. See know your rights for how to check a buyer, including us.
If someone calls you instead
A legitimate buyer does not need to cold-call you. If you would rather not be called, say so and we will not call. And nobody can buy your payments without court approval, so a caller who tells you your payments are already theirs is not telling you the truth.
If your phone is already ringing with offers you never asked for, know your rights explains how to make those calls stop.
Ask us anything
You can get an offer, compare it with one you already have, or simply ask how any part of this works. One person replies, and if it is not for you, that is a fine answer too.
Ask a question or get an offer
New guides publish on this blog every Monday. If you want the short answers first, start with the FAQ.