Frequently Asked Questions (FAQs)

Get answers to the most common questions about selling your structured settlement. Explore the process, requirements, and what to expect.

Last Updated: June 3, 2025

People Also Ask

Yes, it is legal in all 50 states, but court approval is required to protect your interests.

Most sales take 30-60 days, depending on your state and court schedule.

A lawyer is not required, but you may consult one. The court will appoint an independent advisor to review your case.

No, you will receive a lump sum that is less than the total value of your future payments due to discounting.

You will need your settlement agreement, payment schedule, ID, and any court-required forms.

Yes, you can sell all or part of your future payments, depending on your needs.

It may affect eligibility for needs-based programs like SSI or Medicaid. Consult a benefits advisor.

You can reapply or modify your request. The court will explain the reason for denial.

Use our calculator for an instant quote, then contact our team to begin the process.

US court approval is required for US-based settlements. International sales may have additional requirements.

It is based on your payment schedule, remaining payments, discount rate, and market conditions. Use our calculator for an estimate.

The discount rate is the interest rate used to determine the present value of your future payments.

A court-appointed professional who reviews your sale to ensure it is in your best interest.

Most states have a cooling-off period (3-10 days) after approval. After that, the sale is final.

Explore More Resources