Category Archives: Selling Your Payments

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Avoid These Five Mistakes When Selling Your Structured Settlement Payments

Considering selling your future structured settlement payments for a lump sum? If the answer is yes, today’s blog has been written specifically for you. Avoid these five mistakes to make the best long-term financial decision for yourself and your family.

Mistake 1: Rushing into the decision too quickly

One thing is clear: selling your structured settlement payments is an extremely important decision that has serious implications for your financial future. However, even if you are under enormous pressure to get cash as soon as you can, it’s still very important that you do not rush into the transaction. Instead, do your best to carefully weigh all the pros and cons related to selling settlement payments before making your choice.

Mistake 2: Failing to understand all the terms and details of the sale before signing the contract

Are you selling all your payments or just a portion of them? How much money are you selling them for? Is that the exact amount you will ultimately receive or are there any fees or charges you are also facing? When is that check going to get to you in the mail? Do you have the right to cancel the transaction if you change your mind?

These are just a few of the questions you should know the answers to, and you should never be shy about asking more questions about any stage of the process before signing the contract.

Mistake 3: Picking the wrong company with which to do business

This mistake is frankly hard to avoid sometimes because there are many companies that handle structured settlement transactions, and it is hard to know before you engage with them. Your best bet is to do as much research as you can about the company with which you are considering doing business before signing with them. Find one that has both an experienced track record and a reputation.

Mistake 4: Getting that lump sum in the mail – and spending it too quickly

Another mistake far too many folks make when they sell their structured settlement payments is spending the money from the sale recklessly. Flush with cash, they sometimes forget all their long-term planning and rush out for a big-ticket purchase that they may not needed. So when that lump sum gets to you, hold onto it a bit; reflect again on both your short and long-term financial needs and do your best to spend that money wisely.

Mistake 5: Not having a conversation with J.G. Wentworth about all your options

Finally, one of the steps you should make is to place a call with J.G. Wentworth to discuss all your options. We are a nationally known company that has been business for over two decades. We have handled over 50,000 structured settlement and annuity transactions for over $4 billion. We also have a Better Business Bureau rating of A+.

Our trained customer representatives will take whatever time you need to your financial needs and discuss your options. We will also patiently explain to you every detail about the structured settlement transaction until it is clear to you; then – and only then – will we began the process that will ultimately lead to you getting the money you need into your pocket as soon as we can get it to you.

We hope you avoid each of these mistakes and set yourself up for the successful financial future you deserve. If you have any questions about what we’ve written here, or want to speak to J.G. Wentworth directly, please call the company anytime at 877-227-4713.

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Do I Have To Sell All of My Structured Settlement Payments to J.G. Wentworth?

When folks consider selling their structured settlement payments for cash, one of their concerns is that it is a decision they will regret years later.  It’s no surprise, then, that so many callers to JG Wentworth ask the same question: if I decide to sell my payments to you, do I have to sell all of them?

Here’s the good news: the answer is no.

Today we’d like to tell you – or if you’re a regular reader of our blog, remind you – of a JG Wentworth program called the ‘Partial Payment’ or ‘Partial Buyout’ option.  In a Partial Buyout, JG Wentworth purchases just a portion of your future payments for cash; you can take care of a current problem with the portion of the money we send to you sooner, while also keeping a portion or percentage of your future structured settlement payments coming to you in the future.

If you are interested in a Partial Payment plan, JG Wentworth will first talk to you about your specific structured settlement payment terms. If you qualify, we would then ask you to carefully consider the following three questions:

1) What are your current financial needs?

Will the money you receive from arranging a Partial Buyout be enough to take care of your immediate financial concerns? If not, then perhaps the Partial Buyout option is not the best choice for you.

2) What are your long-term financial needs?

Here’s the flipside to the same question: How will your financial future look when your structured settlement payments either temporarily stop, or begin to be sent to you in amounts less than what you were expecting?

3) How can we arrange a Partial Payment plan that works best for you?

Not every Partial Payment program is the same. Are you interested in selling the full amount of your regular payments for a period of months or years, and then getting the full amount once again at some point in the future? Or would you prefer selling just a percentage of your payment amount each and every month, so some money could continue to come to you without any interruption?

 

The answers to these and other questions will make a big difference when it comes to your own Partial Payment strategy;  as with all financial decisions, we encourage you to carefully consider all your choices before coming to a decision. If you remain interested in a Partial Buyout plan, or would simply like to talk about your own structured settlement or annuity payments, please call JG Wentworth anytime at 877-227-4713.

Nothing above is meant to provide financial advice. You should meet with appropriate professionals for such services.

Nest of money

Everything You Wanted to Know about Selling Annuity Payments but Were Afraid To Ask – Part Two

Today’s blog continues our recent theme of posting answers to common questions asked by the thousands of callers that reach out to J.G. Wentworth every week. Here are just a few more questions annuity holders like to ask us – along with the answers we love to provide.

How do I know if I should sell my annuity payments?

That’s a complicated question, truly. There are benefits to holding an annuity. After all, you know how much money is coming to you and when that money is scheduled to arrive. But among the many reasons you might want to sell your annuity payments include: you need cash sooner, you’ve inherited a policy you don’t want, you want to change your life insurance plans or estate planning strategy, or you simply want to have a lump sum now instead of receiving monthly payments. Anyway you look at it, it is a personal decision that only you can make.

How long will it take to get my quote, and how long will it take to get my money?

With the proper paperwork J.G. Wentworth can give you quote in just a few minutes. If you accept our offer, and everything runs as smoothly as it should, we may be able to complete your transaction in as little as2 to 3 weeks from the time you send us your completed contract (transaction times vary based on individual circumstances).

I really don’t like talking on the phone, can you just e-mail me a quote?

The issue is that every transaction J.G. Wentworth engages in has a different set of circumstances unique to the customer. Just call us on the phone – we don’t bite, we promise! All we will do is patiently assess your specific financial needs and within minutes make you a quoted offer. If you don’t like it, just hang up the phone!

 

We hope this blog and our previous one have gone a long way towards answering some of the questions you may have. And if you have others not covered here, or would just like to talk further about your specific annuity, please call us anytime at 877-227-4713.

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Everything You Wanted to Know about Selling Annuity Payments, but Were Afraid to Ask – Part One

Our most recent blog series provided answers to some common questions asked by structured settlement recipients who are thinking about selling their future payments for cash. Today we’d like to begin a new series of blogs for annuity holders, and answer some questions they may have. Here are the most common ones our trained team at J.G. Wentworth usually hears, beginning with:

Is it really true? – Can I sell my future annuity payments for cash now?

Absolutely! Most annuity holders around the country have the option of selling their future annuity payments for a lump sum.

How much is my annuity worth in cash now?

Just as with structured settlement payments, there are many factors that go into the offer J.G. Wentworth can make you. These include how much money is scheduled to be paid out to you, when that money is scheduled to arrive, and how much of your annuity payment stream you would like to sell.

What do you mean “how much of my annuity payment stream you would like to sell”? Are you saying I don’t have to sell all of it at one time?

Actually, you don’t. For qualified annuity holders J.G. Wentworth can arrange what is called a “partial buyout”, in which you can receive some money now and still get a portion of your future payments down the road.

I see lots of annuity payment purchasing companies out there. Why should I go with J.G. Wentworth?

We’re always happy when customers ask us this question, because we believe the answer is simple: while there certainly are many companies from which to choose, only ours has the experience and know-how to deliver to you the most value for your payments fairly and efficiently. We have been in business over 21 years, have handled over $4 billion in future payments transactions, and currently have a Better Business Bureau rating of A+ – a combination of qualities no other company can match!

I am interested in learning more, how do I get started?

Our second favorite question! All you need to do is reach out to J.G. Wentworth now at 877-227-4713. Within minutes you can receive a quote – one that you are under no obligation to accept, of course – and if you choose to move forward with us, can get that money into your pocket, possibly in as little as 2 to 3 weeks (transaction times vary based on individual circumstances)!

 

Have more questions about selling your annuity payments you would like to ask our company? We hope so, because there is no question we aren’t happy to try to answer!  We’ll post more questions and answers about annuities in our next blog, and in the meantime would like to encourage you to call J.G. Wentworth anytime at 877-227-4713.

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What Are the Long-Term Concerns of Selling My Structured Settlement?

If you are considering selling your structured settlement payments for cash, you should be congratulated, because today there are still far too many structured settlement recipients who do not even realize they have the option to sell their future settlement payments and get that money into their pockets now.

At the same time, the decision to sell structured settlement payments remains a personal choice that is not for everyone; it should also never be made without careful consideration. The following represents a list of three important long-term concerns of selling structured settlement payments – both the pros and the cons.

Selling your structured settlement payments can allow you to make a “big ticket” purchase that might benefit your family for years into the future

Callers to J.G. Wentworth, the nation’s largest purchaser of future structured settlement and annuity payments, frequently tell our representatives that they are selling their future settlement payments for important “big ticket” purchases like a car, a home, or educational expenses like college tuition. These are extremely valid expenditures with real long-term benefits for yourself and for your loved ones.  After all, why wait for money to get to you years, even decades in the future – when you can use it to buy something invaluable today?

Selling your structured settlement payments now means you are not waiting for inflation to erode your settlement’s value

If you are expecting to receive regular settlement payments of, say, $10,000 a year for 20 years, it is important to realize that you are not actually receiving a total of $200,000 in today’s dollars. That’s because over time the impact of inflation will erode the value of these payments, especially in later years. But if you sell your structured settlement payments now, you know that the dollar amount you are receiving now translates to “true” purchasing power in today’s terms.

Selling your structured settlement payments may modify your long-term financial plans

While there are certainly many positives to selling future structured settlement payments, make no mistake: the decision to sell these payments now may translate to a long-term modification of your financial planning years down the road. Whether you choose to sell all or a portion of your payments you are foregoing regular payments in the future to get money into your hands now. If you sell all of your payments you may no longer rely on this income stream,. It is for these reasons that J.G. Wentworth carefully walks through options with all  potential structured settlement payment sellers and encourages them to seek legal and financial advice. Additionally the process of selling structured settlement payments is governed by the courts and a judge must find that the sale is in the individual’s best interest before it can be approved.

The bottom line: none of us truly knows what the future holds, and the best we can all hope for is to make the smartest financial decision possible with the information we have at the time. For further discussions about the long-term consequences of selling your structured settlement payments, or to receive a free, no-obligation quote on the cash value of your structured settlement payments, call J.G. Wentworth today at 877-227-4713.

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If I Sell My Future Payments, How Much Money Will I Make?

Hi folks, J.G. Wentworth here with a quick review of one of the most commonly asked questions people inquire of J.G. Wentworth when they call our company looking to sell their structured settlement or annuity payments for cash now.

If I sell my future payments, how much money will I make?

The short answer is: it depends. Over the years we’ve arranged over 50,000 transactions with folks around the country, getting money out of their structured settlements and annuities and into their hands sooner. Every financial transaction we’ve engaged in has had its own special set of circumstances which have been handled by our trained customer representatives on a case-by-case basis, helping to earn our company an A+ rating according to the Better Business Bureau.

That said, however, there are three crucial factors that will help determine how much money you can make by selling your future payments. They are:

1) The total dollar amount of the structured settlement or annuity payments you desire to sell.

2) The payment schedule articulated within that initial structured settlement or annuity contract – in other words, when that money has been originally scheduled to be paid to you over time.

3) Whether that money is scheduled to be paid out to you in consistent dollar amounts or whether the payments fluctuate, and there are larger payments (a.k.a. balloon payments) that are also scheduled at various points in the future.

The bottom line is that only you can answer these questions, and once you do, we will then take the information you give us and make you a free, no obligation quote for the sale of your future structured settlement payments – an offer you’ll hear within minutes after giving our company a call!

So if you really want to know how much money you’ll make if you sell your future payments, what are you waiting for? Call J.G. Wentworth anytime at 877-227-4713.

Lottery Jackpots are Getting Higher and Higher…

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… Did you know J.G. Wentworth also helps lottery winners get their cash sooner?

Hi folks, J.G. Wentworth here with a quick word about the lottery fever that continues to sweep the country.  Have you noticed how many enormous jackpots are being paid out to lottery winners lately? Just this week, a single player in Northern California hit a jackpot for $425 million.  In December, two lucky folks split a $636 million prize, and a $590 million jackpot was paid out just this past May.  Simply put: there have never been lotteries won at such staggering sums as there are today.

While many folks play the lottery – and dream big – few players realize that when you win a prize over $1 million you are frequently obligated to either take a lesser amount of money immediately, or to receive the entire amount as an annuity that gets paid out over time.  And if you are a lottery winner who chose to receive this money in an annuity, but are now tired of waiting for that money to get to you, J.G. Wentworth can connect you with one of our affiliates that purchases future lottery payments.

So if you are one of the lucky few who won the lottery, first and foremost – congratulations! And secondly, don’t forget to reach out to J.G. Wentworth. We can help you – just as we’ve helped other lucky folks just like you – connect you with a company that can get you the money you need sooner. Call us anytime at 877-227-4713.

Keeping it Simple (part two): How to Sell Structured Settlement Payments for Cash Now

Money and Laptop

Hi folks, J.G. Wentworth here. Our recent blog explained the process of selling annuity payments for cash now; today, we’d like to offer that same simple explanation of how J.G. Wentworth purchases future structured settlement payments for cash now – putting that money into our customers’ hands as soon as we possibly can.

Here is our breakdown of the five step process of getting cash now out of future structured settlement payments.

1) Contact J.G. Wentworth

As with annuities, the first step to getting cash into your pocket is to call J.G. Wentworth to discuss your original structured settlement agreement. If you qualify, we will make an offer for your future settlement payments – one that you are under no obligation to accept, of course. But if you like our terms, and decide to move forward with the transaction, we will then proceed to step two:

2) Mail your official documentation to our company

We need to confirm all the details of your original structured settlement agreement and review all relevant legal documents.  After this review we can then mail you an offer in writing.

3) Review the offer and sign our contract

If you like our terms, carefully review our quoted offer and mail a signed contract back to us. The sooner we received your official paperwork, the sooner we can get money into your pocket!

4) A judge reviews the paperwork

This part of the process sometimes takes a longest, but for very good reason: it’s for your own protection. The bad news is that this court-mandated review generally takes anywhere from 60 to 90 days. But once approval is received, you can move onto the last and best step:

5) Get your cash!

This will usually occur within mere days of the court’s final decision approving the sale of your structured settlement payments and after our final underwriting approval.

Have questions about any one of these steps? Or are you simply ready to begin and get that money out of your future structured settlement payments and into your pocket now? Either way, we encourage you to call J.G. Wentworth at 877-227-4713.  Call us today!

Keeping it Simple (Part One): How to Sell Annuity Payments for Cash Now

Money for spending

Hi folks, J.G. Wentworth here. Every day, from all around the country, people call J.G. Wentworth looking to sell their future annuity payments for cash. And every day, our amazingly helpful account executives hear the same question: How does it work?  What needs to be done to get money out of my future annuity payments and into my pocket sooner?

With that in mind, today we’d like to provide our occasional review of how to sell future annuity payments for cash. So without further ado, here is our breakdown of the five step process of getting cash now out of future annuity payments.

1) Call J.G. Wentworth

Your first step is to call J.G. Wentworth for a free discussion of both your future annuity payments and your current financial situation. Our trained customer service representatives will take whatever time is necessary to understand your specific financial needs, and if you qualify, we will then offer you a verbal quote for your future annuity payments – one you are under no obligation to accept. But if you do, we then proceed to step two:

2) Send us the official documentation relating to your original annuity contract

We need this mailed to us so we can get all the specific financial details of your annuity, and can reach out to the company responsible for distributing your money. The faster we get it, the faster we proceed!

3) Review our written offer, sign the contract, and return it to us

Once we send you our official paperwork, we encourage you to review it carefully and ask us any questions you may have about it. We can be reached at 877-227-4713; call us any time!

4) A final review

Once we’ve received your signed contract (and you never have to pay for postage, by the way) we then reach out to the company that originally issued your annuity and make a formal request that they change the terms of your annuity contract. You’ll probably get one more round of documents in the mail; sign them and send them back into the mail quickly so we can happily move you to step five:

5) Get your cash!

In as little as 30 days, your original contract will be modified, our underwriting team will do its final approval of the transaction, and you’ll get your cash!

Have questions about anything we’ve written here, or about any other aspect of the annuity payment selling process? Call us today at 877-227-4713.  We can’t wait to get started!

J.G. Wentworth Can Buy Any Combination of Future Payments for Cash Now

Money in Lock

Hi folks, J.G. Wentworth here.

Did you know that in most cases J.G. Wentworth can buy any combination of future payments from your structured settlement or annuity?

Receiving regular monthly payments from your structured settlement or annuity? – J.G. Wentworth can offer you a lump sum of cash for these payments and get money into your hands sooner. Scheduled to receive balloon payments (sometimes known as milestone payments) at distant dates in the future and can’t afford to wait that long for the money to get to you? J.G. Wentworth can offer you a lump sum of cash for these payments as well.

And if you receiving both monthly payments and balloon payments, the news is even better. That’s because J.G. Wentworth can make a cash offer for your structured settlement or annuity that takes into account both your regular monthly payments and any balloon payments down the road. In other words, we will tailor our offer to suit your needs, potentially enabling you to get the money you need now and later.

So if you are thinking about selling your future payments but are unsure which payments to sell, call J.G. Wentworth. Our customer representatives will take the time to get to know your unique financial situation and the way in which your payments are scheduled to come to you; only after doing this will we structure a complete offer to best meet your needs. For more information, call us anytime at 877-227-4713.

Questions and Answers to Start the New Year – Part Two

Girl Learning

Hi folks, J.G. Wentworth here, starting the year off with part two of our list of questions commonly asked by folks interested in selling their future structured settlement or annuity payments for cash now.

Why should I sell my structured settlement or annuity payments for cash?

Long-term unemployment, sudden medical expenses, mortgage payments, high tuition costs for yourself or a loved one – these are just a few of the reasons why folks decide they need money out of their structured settlement or annuity payments sooner, rather than later. If you are in that situation, and can no longer afford to wait for money to get paid out to you over time, contact J.G. Wentworth at 877-227-4713.

Do I have to sell all my payments at one time?

Not necessarily. If you qualify, J.G. Wentworth does offer “partial payment purchases” that allow you to sell just a percentage of your future payments.  This unique program can give you both cash now and a portion of your structured settlement or annuity payments in the future.

Can J.G. Wentworth “beat” offers from other companies?

Here’s the unfortunate truth: some companies out there may make you a “great” offer for your future payments – only to then hit you later with fine print that assesses other costs related to the transaction, thereby lowering the actual cash amount you finally receive. The bottom line is that we encourage you to be as cautious as possible whenever engaging in a transaction as important as this one.  And you should also feel free to send us any other company’s offer in writing so that we may give it to one of our account executives for review – and see if we can beat it!

I’ve sold a part of my structured settlement or annuity to J.G. Wentworth before. Can I sell more of it to your company again?

Absolutely. In fact, our prior transaction with you means we have your records in our files – and may be able to get money into your hands even sooner.

What are the tax implications for selling structured settlement or annuity payments ahead of time?

Even though in most cases no tax penalties are incurred when you sell your future payments, J.G. Wentworth strongly recommends that you consult with an independent tax advisor regarding your specific financial situation whenever you engage in a transaction with us.

How can I get started?

We’re so glad you asked! If you remain interested in selling your future structured settlement or annuity payments to J.G. Wentworth for cash now, or have any questions that we did not address, please pick up the phone now and call us at 877-227-4713.

You Don’t Have To Lose All Your Monthly Income When You Sell Settlement Payments

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Hi folks, J.G. Wentworth here.  Are you interested in selling your structured settlement or annuity payments but are scared about losing your monthly income?

If you are, make no mistake – you are not alone. Folks around the country call us every day looking to sell their structured settlement or annuity payments for cash and most are nervous about losing the monthly payments they’ve been relying upon.

So why don’t we just tell you what we tell them: that you can sell your settlement payments for cash now, and keep a portion of those monthly payments still coming?

Here at J.G. Wentworth, we call this a partial payment purchase. These plans allow you to sell just a portion of your structured settlement or annuity payment stream to us – getting both cash now and a percentage of your monthly payments coming to you.

In other words, selling your settlement payments is not an all-or-nothing proposition.  Qualified customers can get the help they need now, and protect their financial interests down the road.

Want to learn more about your options for selling a portion of your future payment steam to J.G. Wentworth?  For a no-obligation discussion about your unique financial situation, please call us anytime at 877-227-4713.

How J.G. Wentworth Can Help You “Spend Down” Assets

JG Wentworth Spend Down AssetsHi folks, J.G. Wentworth here.

Every day, customers around the country reach out to us with troubling stories about how receiving their structured settlement or annuity payments are keeping them from receiving essential government services.

The problem is that these regular payments are frequently counted by the government as income – and when that income reaches a certain level, some folks find themselves disqualified from receiving the government services that so many of us find essential.

If you find yourself in a similar predicament, J.G. Wentworth may be able to help.  Not only can we make you a lump-sum offer for your future payments, but the money you receive from us sooner may be able to help you “spend down” assets, keeping your eligibility for these essential government services intact.( Eligibility requirements for government services vary greatly from program to program and from state to state. Speak with your financial representative to determine if selling your future payment streams is the correct course of action for you).

How’s that for a win-win situation?  You can get money in your pocket now – and the government services you need down the road!  For more information about how you can “spend down” assets, or for a no-obligation discussion about your own unique financial situation, please call us anytime at 877-227-4713.

J.G. Wentworth Will Buy Your Life Contingent Annuity Payments for Cash Now!

Life contingent annuities

Hi folks, J.G. Wentworth here. Did you know that J.G. Wentworth offers lump-sum payments for life contingent annuity payments?

In case you don’t know what this term means, please allow us to explain.  Life contingent annuities are those annuities that offer payments at regular periods for the rest of one’s life. They differ from non-life contingent annuities – also called guaranteed annuities – in that there is no set future date within the annuity contract where payments might cease; instead, the annuity holder will continue to receive their regular payments for however long in the future they live.

Here’s the good news: if you need cash now, J.G. Wentworth can buy future annuity payments from both life and non- life contingent annuity holders!  To find out more, all you need to do is reach out to one of our J.G. Wentworth account executives at 877-227-4713. Your conversation with us is absolutely free, and there is no obligation involved.  And if you don’t like our offer, simply hang up the phone!

Once again, please call us anytime at 877-227-4713. We can buy both life and non- life contingent annuity payments for cash now – getting that money into your pocket sooner. Call us today!

Looking for Some Holiday Cash? – Now is the Time to Get Started!

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Hi folks, J.G. Wentworth here with a quick reminder that if you think you’ll need extra cash to buy gifts for loved ones this holiday season, now is the time to get the process of selling structured settlement or annuity payments started.

As we recently discussed in our blog How Long Will It Take to Get My Cash, getting cash from your future structured settlement or annuity payments is not something that simply happens overnight.  In reality, money from future annuity payments typically gets to you within 2 to 3 weeks after we receive your completed contract; for structured settlement holders the wait can be longer, with cash generally coming to you about 60 to 90 days from the time J.G. Wentworth receives the required documentation.

So if you are thinking about getting cash now for the holiday, don’t wait. Call J.G. Wentworth now at 877-227-4713 for a free, no-obligation discussion on how you can get money sooner from  your structured settlement or annuity payments into the one place it truly belongs – your pocket. Call us today!

Here Is Something You Don’t Need to Fear: Selling Your Payments

jg wentworth and spiders

Hi folks, J.G. Wentworth here, with more thoughts of Halloween as this fantastic holiday approaches. So here’s a question, just for starters:

What scares you?

Here is a list of the top ten things that scare people according to LiveScience.com:

10) The dentist 

9) Dogs 

8) Turbulence on airplanes 

7) Thunder and lightning

6) The dark

5) Heights

4) Other people

3) Tight enclosed spaces

2) Spiders and insects

1) Snakes

Not a list for the faint of heart, right?

Well here at J.G. Wentworth, we’d like to propose an alternative to this list – something we believe should not scare you.  And that something is selling your structured settlement or annuity payments for a lump sum of cash!

Of course we understand the fear of selling these payments. The security of knowing when money from your structured settlement or annuity is scheduled to reach you is a comforting one; you’ll know how much money is coming to you, and when that money is scheduled to arrive.

But is that really better than getting money in your pocket now, to address the needs you may have at this moment? – We don’t think so. And we don’t think taking that first step – which is calling J.G. Wentworth to talk about your particular situation – is anything to be afraid of.

So come on, give us a call as 877-227-4713. There is nothing to fear! – All you’ll be greeted with is a friendly, knowledgeable account executive ready to talk your situation over.  And if you decide not to sell your payments for a lump sum, all you need to do is say ‘no thank you’ and hang up the phone!

What’s scary about that?

It’s not snakes, that’s for sure!

Again, to discuss your specific situation, and how you can get money out of your structured settlement or annuity payment stream and into your pocket sooner, call us anytime at 877-227-4713.

How Much of a Percentage Does J.G. Wentworth Take?

Hi folks, J.G. Wentworth here with one of the most common questions asked by individuals looking to sell their future structured settlement or annuity payments:

What percentage of my future payments will J.G. Wentworth take? 

There is not one simple answer to that question.  It will depend on the specific details of your particular structured settlement or annuity. Our company has handled more than 50,000 transactions over the last two decades – and every situation is unique.

Ultimately, there are three general factors that help determine your cash offer:

1.  What is the total dollar amount of the structured settlement or annuity payments you wish to sell?

2.  When is the money scheduled to be paid out (for example, as soon as a few months, or over several future years instead)?

3.  Is the money scheduled to be paid out in regular income payments – say, a check once a month for the same amount – or are there also larger payments scheduled to be delivered at certain points in the future?

Our knowledgeable account executives will use the information you provide to help create a unique offer just for you. Therefore, to answer the basic question of “How much can I get?” your J.G. Wentworth account executive will quickly process that information with all of these important factors in mind. Only after these details are discussed are we able to present you with your personalized offer. But keep in mind that in most cases, we can present you with a quote within minutes of your call!

Have more questions?  Looking for a quick, free, no-obligation inquiry into how much money you can get now from selling your future structured settlement or annuity payments?  Please call us anytime at 877-227-4713.

How to Best Prepare to Sell Your Annuity Payments for Cash

Hi folks, J.G. Wentworth here. In a previous blog, we put together a list of questions structured settlement holders should ask themselves before attempting to sell their future settlement payments for cash. Along those same lines, if you are an annuity holder looking for cash now in exchange for all or a portion of your future annuity payments, here are four great questions to ask yourself before getting started.

1) Have I thought about both my short and long-term financial needs?

If you are thinking about selling your annuity payments, you need to consider both your immediate and long-term financial needs. How much cash do you need now, and how much might you need to rely upon in the future? Will holding off selling your future annuity payments drain all your current savings?  Will sacrificing future annuity payments cause too much damage to your long-term financial health?  Ultimately, these are questions only you can answer, but you must take the time to ask them.

2) Do I understand the entire process of selling annuity payments for cash?

You need to understand the entire process of selling annuity payments from start to finish, and should never rush into any transaction without knowing exactly what to expect. Take whatever time you need, and ask any questions of the account executive, until you are fully versed in the process.

3) Do I understand the tax implications of selling annuity payments?

Individual tax consequences vary, and you should contact a tax or legal advisor to discuss your specific financial circumstances.

4) Have I found the right annuity purchasing company with which to do business?

Finally, do whatever research and homework you need to do to find the right buyer for your annuity payments. It’s simply too important a decision to choose poorly!

To be frank, we believe J.G. Wentworth is the company for you.  J.G. Wentworth has been purchasing future payment streams for over 20 years, has purchased over 4 billion dollars in future payments from folks just like you around the country, and, as of the date of this blog post, has a Better Business Bureau rating of A+.  So if you’re thinking about getting started, wouldn’t J.G. Wentworth be the perfect company to call?  Our account executives are ready to take your call anytime at 877-227-4713.

A Quick Reminder about Our Partial Buyout Program

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Hi folks, JG Wentworth here with a quick reminder that selling your structured settlement or annuity payments for cash does not have to be an all-or-nothing proposition.

Thinking about selling your structured settlement or annuity payments for cash, but don’t want to sell them all off at one time? Worried that at some point in the future you may still need the money from those future payments?

We’d like to lower your worries considerably, and remind you of our partial buyout plan, which is also known as a ‘partial payment plan’. In this plan, you do not have to sell all of your future structured settlement or annuity payments at once.  You can instead sell us just a portion of these payments – getting money both now and later!

Qualified sellers can structure their partial payment plan in a variety of ways. Some may choose to sell us all of their future structured settlement or annuity payments for a period of time – say, a year or two – then continue to receive full payments from that point on. Others may choose to sell us just a percentage of their payments in perpetuity, so they can continue receiving at least some of their money at regular intervals without interruption.

Ultimately, the choice will be up to you.  Just give us a call, and talk it through with us; after all, we didn’t become the nationwide leader in buying structured settlement or annuity payments and, as of the date of this blog, a recipient of an A+ rating by the Better Business Bureau, by NOT giving customers what they want!  Helping people around the country – folks just like you – get the cash they need out of their structured settlement or annuity payments is what we do each and every day, and a job that we take extremely seriously.  For more information, give us a call anytime at 877-227-4713.

Five Common Reasons Customers Call Us for Cash

Hi folks, J.G. Wentworth here. For over 20 years, our company has helped thousands of folks around the country get cash now for their future payment streams. We’ve done this by offering present value for these future payments – and then delivering them that cash as soon as possible.

Our Better Business Bureau rating as of July 8, 2013 is an A+, and we’ve handled over 50,000 transactions since the founding of our company. And while everyone’s situation is unique, we have noticed that many of our customers share things in common.

So here are five of the most common reasons customers call J.G. Wentworth, beginning with:

1) They have fallen behind on mortgage payments

One of the most commonly-heard reasons folks reach out to us is that they are afraid of losing their home.  While many had hoped to wait for their structured settlement or annuity payments to get to them over time, they now find that they need that money to meet their monthly mortgage bills, and call our company for cash now.

2) They are facing long-term unemployment

Nationwide unemployment rates are finally trending downwards; however, there are still far too many people looking for work who simply cannot find a job.  Some of these folks contact J.G. Wentworth to plug the gaps in their income and to get them the money they need to make it through this troubling time.

3) They face high tuition costs for their college or junior college expenses

The cost of attending college, junior college, or trade school, is simply out of whack with what most young people can afford. Folks contact J.G. Wentworth to help them get money out of their structured settlement or annuity so they can use that cash to avoid crushing student loan debt.

4) They are facing sudden medical expenses

Sudden emergency room visits or expenses related to hospital stays are among the most-cited reasons folks end up declaring bankruptcy – even if they already have some form of health insurance!  If you have been hit by a sudden hospital bill that you cannot afford, consider using J.G. Wentworth to sell your structured settlement or annuity payments to get the money you need.

5) They are presented with an investment opportunity

Another category of people who contact J.G. Wentworth are those presented with an investment opportunity they do not want to pass up on. These individuals sell their structured settlement or annuity payments to J.G. Wentworth for a lump sum so they don’t have to miss what could be the opportunity of a lifetime.

Do you see yourself reflected in one of these above categories? Is there another reason not mentioned here that might cause you to need money from your structured settlement or annuity now instead of later? Whatever your financial situation is, please call J.G. Wentworth at 877-227-4713 for a free, no-obligation discussion on what we can do to help get you the money you need sooner.