Introduction If you won a personal injury lawsuit, you likely receive monthly payments from a structured settlement annuity. While this steady income is great, sometimes life happens. You might need a large amount of money today to buy a house, pay off debt, or start a business.
In 2025, you have the legal right to sell your structured settlement payments to a "factoring company" in exchange for a lump sum of cash.
However, not all companies are honest. Some charge hidden fees that eat up your money. In this guide, we review the best structured settlement companies and explain exactly how to get the most cash for your annuity.
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1. Top 3 Structured Settlement Buyers (2025 Reviews)
These companies are rated highest for transparency, low discount rates, and fast funding.
1. J.G. Wentworth (Best for Reputation)
You probably know their jingle ("I have a structured settlement and I need cash now!"). J.G. Wentworth is the largest and most famous buyer in the industry.
Best For: People who want a trusted, household name.
The Pros: They have an A+ Rating with the BBB and massive financial backing, meaning they can fund huge payouts that smaller companies cannot.
The Offer: They specialize in buying both partial and full payment streams.
2. Fairfield Funding (Best for Low Rates)
If you want the most money in your pocket, Fairfield Funding is a top choice. They are famous for their "Low Price Guarantee"—if another company gives you a better quote, they will beat it or pay you $500.
Best For: Maximizing your lump sum payout.
The Pros: They offer interest-free cash advances while you wait for the court to approve your sale.
3. Peachtree Financial Solutions (Best for Customer Service)
Owned by the same parent company as J.G. Wentworth, Peachtree often focuses more on personalized service for smaller accounts.
Best For: First-time sellers who have questions.
The Pros: They have won multiple awards for being the "Best Litigation Funding Provider" and maintain high customer satisfaction scores.
2. How to Sell Your Annuity Payments (The Process)
Selling your payments is not instant like an ATM withdrawal. It is a legal process protected by federal law to ensure you don't get ripped off. Here is the 2025 timeline:
Get a Free Quote: Call a structured settlement buyer. They will calculate the "Present Value" of your future payments.
Sign the Contract: You agree to sell a specific number of monthly payments in exchange for a lump sum.
Court Approval (Mandatory): This is the most important step. A judge must review the sale to ensure it is in your "best interest".
Note: You cannot skip this. It protects you from predatory companies.
Receive Your Funds: Once the judge signs the order (usually 45-60 days later), the company wires the cash directly to your bank account.
3. Critical Warning: The "Discount Rate"
When you sell your payments, you do not get 100% of their value. The company takes a cut called the Discount Rate (usually 9% to 18%).
Example: If you sell $100,000 worth of future payments, you might only receive $60,000 to $80,000 in cash today.
Pro Tip: Always get quotes from three different companies. If Company A offers you $50,000, call Company B and ask, "Can you beat this?" Competition is the only way to lower your discount rate.
4. Can You Sell Just "Some" of Your Payments?
Yes! You do not have to sell your entire annuity.
Partial Sale: You sell only your payments for the next 2 years (to get cash now), but you keep all payments after that.
Lump Sum Sale: You sell a specific dollar amount (e.g., "I need $20,000") and the company calculates how many future checks they need to take to cover it.
Conclusion
Selling your structured settlement is a big decision, but it can be a lifesaver if you have high-interest debt or need to buy a home.
For the safest experience in 2025, stick to reputable buyers like J.G. Wentworth or Fairfield Funding. Never sign a contract with a company that tries to pressure you or offers you "secret" deals without a judge's approval.
Ready to see how much your payments are worth? Contact a licensed buyer today for a free cash quote.
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