Questions payees actually ask

Yes. A transfer can cover some payments and leave the rest alone, and it can cover a stretch of time or specific payments. The documents list exactly which payments are included, and those are the only ones that change hands. Check the payment schedule in the paperwork rather than the summary, and see how it works for the steps.

Payments you have not received yet can be part of a transfer, and a long payment stream can be split so that you keep the later years. Which payments are on the table depends on your documents and on what the judge approves. Send us the schedule and we will tell you plainly what is possible.

You can still ask about what is left. Each transfer needs its own court approval, so an earlier sale does not carry a new one with it. An earlier agreement may also limit what you can sell, so bring that paperwork with you. We will walk through it at contact.

Florida does not require you to hire a lawyer for the transfer itself, but you should get independent advice before you sign. The court looks at whether the transfer is in your best interest, and a lawyer is the person who can tell you what you are giving up. We are and we cannot advise you or act as your lawyer.

No. In Florida, a purchase of structured settlement payment rights has to be approved by a judge under Fla. Stat. § 626.99296. That is the single most useful thing to know about this market, no matter who you talk to. Our page on know your rights explains what the approval process looks like from your side.

We do not give tax advice, and we will not guess at your situation. Structured settlement payments get special treatment under federal tax law, and selling some of those payments may be taxed differently than keeping them. Talk to a tax professional before you sign anything.

Then the transfer does not happen. You keep your payments, and you owe us nothing. No sale means no discount and no money out of your pocket. There is also no penalty for asking, and no penalty for backing out before you sign. More detail is on how it works.

Weeks, not days. The timeline includes a 20-day notice period under Fla. Stat. § 626.99296(4)(b) plus the time it takes to gather documents, draft the transfer papers, and get on a court calendar. Court dates depend on the county and the judge, so we will not promise you a funding date. The steps are laid out on how it works.

The settlement or annuity paperwork, the payment schedule, your identification, and details for the parties and the insurance company that issues the payments. Sometimes we also need the court file from your original case. If you are missing something, tell us and we will work with what you have. Start at contact.

You can walk away at any point before you sign, and you do not need a reason. After you sign, the transfer still has to go to a judge, and you and the other interested parties are told about the hearing and can object. Nothing is final until the court decides.

It depends on which payments you sell, how far in the future they are, and the discount. We put a real number in writing once we have seen your documents. We do not quote amounts on this site, and we will not promise you one. Ask at contact and you will get a written offer you can compare.

We buy payment rights at a discount. We pay less than the total of the payments we are buying, and that difference is how we make our money. There is no separate fee charged to you, and the discount is disclosed in the written offer. That discount is the number to compare against any other offer, and it is explained on how it works.

No. We are a purchaser of structured settlement, lottery, annuity and other future payment rights. We do not give financial, legal or tax advice. If you want advice about your rights or your taxes, talk to a lawyer or a tax professional who works for you. We will not tell you what the law means for your case.

We are a Florida LLC that buys structured settlement, lottery, annuity and other future payment rights, and every structured settlement purchase we make goes in front of a judge. Check that for yourself: ask for the offer in writing, ask who is buying and on what terms, and have your own lawyer read the papers. Those checks work on us and on anyone else.

Pressure to sign the same day. No mention of court approval. Numbers that never appear in writing. A request for money up front from you. Calls you never asked for, repeated after you said stop. Refusing to let you get independent advice. Any one of those is enough to walk away, and know your rights has the full checklist.

No. If you never contact us, you never hear from us. We comply with do not call laws, and we do not sell or share your information. If you do contact us, one person replies, and anything more only happens because you asked for it. Opting out is permanent. Our privacy page says the same in more detail.

We cannot tell you that, and we will not pretend to. SSI is needs-based, so a lump sum can affect eligibility, and SSDI rules are different in ways that depend on your situation. The Social Security Administration publishes the rules at ssa.gov. Ask your benefits counselor before you sign anything.

We look at structured settlement payment rights from settled cases, and at lottery winnings, annuities and other qualifying future payment rights. Structured attorney fee arrangements are a different kind of asset, and we will not tell you we handle something we do not. If you have that kind of stream, ask us at contact and we will say plainly whether it is something we look at.

We are based in Florida, and Florida transfers under Fla. Stat. § 626.99296 are what we know best. Other states have their own structured settlement protection acts with their own rules. Tell us your state and we will say plainly whether we can work there.

One person reads it and replies, usually within one business day. No obligation, no pressure, and no cost. If you would rather just ask a question than get an offer, that is fine too. Everything starts at contact.

We look at all three, plus other qualifying future payment rights. They are not the same asset and the rules are not the same. Tell us what you have and we will say plainly whether it is something we buy and what the transfer would involve.

Often, yes — but it is not the same rule as a structured settlement. Every structured settlement purchase needs a judge's approval, and lottery prize transfers and annuity transfers also often require court approval. Where approval applies, nothing about your payments can change without it, and you are part of the approval process and the final hearing. We will tell you what your paperwork requires before you decide anything.

It depends on the payments, how far into the future they are, and the discount — the same as any other stream. Send us the payment schedule and the paperwork behind it and we will tell you whether we can put a number in writing. Asking costs you nothing, and we do not quote amounts on this site.