All structured settlement sales require court approval by law. This protects you from predatory practices and ensures the transaction serves your best interest.
Understanding the Process
Selling your structured settlement is a legal, court-supervised process designed to protect your interests. The entire transaction typically takes 30-45 days from start to finish, though timing varies by state.
✓ Key Points to Know
- No upfront fees: All costs are disclosed in your quote and deducted from your payout
- Court approval required: A judge reviews every transaction to ensure it's in your best interest
- Professional guidance included: We help you through every step of the process
- Flexible options: Sell all payments, partial payments, or specific future payments
- No obligation: Get quotes and explore options without any commitment
Ready to Start? Get Your Free Quote
Begin the process with an instant quote. No personal information required, no obligation, just see what your settlement is worth.
💰 Get Instant Quote →5-Step Process to Sell Your Settlement
Get Your Instant Quote
Start by using our free calculator to get an instant, no-obligation quote for your structured settlement payments.
- Enter your payment schedule and amounts
- Receive multiple offer scenarios instantly
- Compare full sale vs. partial sale options
- No personal information required to see initial quotes
- Review transparent discount rates and fees
Review and Accept Your Offer
Once you receive your quote, our team will explain every detail to ensure you understand the transaction.
- Review your total payout amount in detail
- Understand all fees and discount rates
- Explore payment method options (wire, ACH, check)
- Ask questions and get expert guidance
- No pressure - take time to make an informed decision
Complete the Paperwork
After accepting your offer, we handle the paperwork and guide you through every document.
- Transfer agreement outlining all terms
- Court petition for judicial approval
- Financial disclosure forms (required by law)
- Advance notice documents to all parties
- Independent professional advice documentation
Court Approval Process
All structured settlement sales require court approval to protect your interests. We handle the entire process.
- File petition with appropriate court
- Independent advisor reviews your case
- Attend brief court hearing (often by phone)
- Judge reviews and approves transaction
- Receive final court order authorizing sale
Receive Your Payment
After court approval, you receive your lump sum payment through your preferred method.
- Choose wire transfer (fastest, 1-2 business days)
- Select direct deposit (ACH, 2-3 business days)
- Request paper check (5-7 business days)
- Funds available immediately upon receipt
- Use your money however you choose
Important Considerations Before Selling
Discount Rates Matter
You'll receive less than the total future value due to discount rates (typically 9-18%). Compare multiple offers to find competitive rates.
Consider Partial Sales
You don't have to sell all payments. Partial sales let you access some cash now while keeping future income security.
Court Will Review Your Need
Judges want to see genuine financial need and that selling is in your best interest. Be prepared to explain your reasons.
Independent Advice Available
Many states require or recommend independent professional advice. This protects you from unfavorable transactions.
Frequently Asked Questions About Selling
Next Steps
State Laws & Requirements
Learn about structured settlement laws and court requirements in your specific state.
View State LawsCourt Approval Process Explained
Detailed guide to understanding the court approval process and what judges look for.
Read Court Approval Guide