Structured Settlement Annuity Companies and Reviews

Structured Settlement Buyers

Structured Settlement Buyers

There are many companies that will advertise about them being the best in purchasing your structured settlement. But whenever you choose to sell your structured settlement you must first do your research and look at the companies with some of the best track records.

The role of a structured settlement company is for creating the agreement, getting your court approval and liaising with the payer. The more experienced and balanced structured settlement companies will help you get through these processes smoothly while giving you the most in your lump some payment. There are some mediocre structured settlement companies who campaign big but deliver small on providing your with the best deal when selling and drags out the process much longer than general time it takes for all processes to complete.

Here are some simple things that you must look at when picking a company to handle your structured settlement.

Company Stance or Strength. How reputable is this company, how long have they been in business and how do they deliver their products.
Website functionality and Service. The company website must provide you with very specif detail and step by step processes with clear and precise instructions.
Customer Service. Is always key, you will be engaging with the company and therefore you will need all your queries answered in a professional and timely manner. Staff must be courteous and not acting as if they are doing you a a favor.

Total Cash for Your Structured Settlement

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TopConsumerReviews.com has done several reviews and has rated these companies as top in structured settlement.

Stone Street Capital Cash Cow

1. STONE STREET CAPITAL

You may recognize Stone Street Capital from their "Cash Now from the Cash Cow" commercials. In business since 1989, Stone Street Capital, headquartered in Maryland, is a pioneer of the structured settlement funding service providers. They lead the way in top quality customer service, which is reflected in their A+ Better Business Bureau rating and numerous satisfied clients.

The Stone Street Capital structured settlement website exceeded our expectations in information and education. We were able to browse through a number of helpful articles and information that helped us understand the structured settlement buyer, press releases about Stone Street over the past several years, structured settlement tips, and more.

The process at Stone Street is very straightforward. Here's what you can expect:

You first identify how much money you need, and when you'll need it.
You call or email Stone Street to discuss your options.
Necessary paperwork is overnighted to you for signatures and a notary if you accept their offer.
You return the documents back in a pre-paid envelope.
Stone Street works with the payer to verify the payments and establishes a court date with an attorney in your local area.
Stone Street will send a wire transfer or check upon court approval.
Average turnaround is based on the state you reside in, but you can anticipate 45 to 90 days from start to finish.
You will work with one Stone Street representative through the entire process.

We found the customer service team to be top notch at this company. The representatives are very informative and offer no pushy sales pitch on why you should choose them. We felt most comfortable dealing with Stone Street Capital and really appreciated their no pressure approach.

In summary, Stone Street Capital provides the highest level of service among structured settlement providers. Their informative website added a lot of value in our search effort. Stone Street offers a long history of strong performance and an excellent BBB rating. If you are looking for a structured settlement company, Stone Street Capital should be your first stop.

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2. SETTLEMENT CAPITAL CORPORATION

Settlement Capital Corporation is a financing company that provides lump sum payments to recipients of structured settlements, annuities, and lottery winnings. They offer the flexibility of both partial and full payment purchases along with guaranteed and life contingent purchases depending on your situation. Settlement Capital does require a minimum funding amount of $10,000 to do business with them.

Formed in 1989, this Dallas based company currently holds an A+ Better Business Bureau rating and offers customers an informative website. Despite a lot of moving parts and colors we found their website to be quite helpful. We especially appreciated the clear explanation of the legalities of selling a structured settlement and how Settlement Capital Corporation will assist throughout the process.

The process at Settlement Capital Funding is pretty straightforward:

Start by submitting your name, email and contact information in their online form or call them directly.
Settlement Capital will evaluate the structured settlement and help you choose a plan.
Once you identify the plan they will send necessary contracts for you to sign and have notarized.
Once the forms are signed and returned Settlement Cap will verify your payments with the insurance company and work to apply for a court date.
The exact settlement length can vary depending on the seller's state and the insurance company but ranges between 45 to 90 days.
The seller will receive funds 5 to 10 working days from the time the order is approved.

We spoke with Jason at Settlement Capital Corporation and he was happy to assist with our questions. He clearly explained the process, and as the website states, provided no aggressive sales pitch that made us feel uncomfortable or pressured.

In summary, Settlement Capital Corporation has a strong BBB rating and years of experience. In working with their customer service representative, we were impressed with their clear explanations to our questions and professional demeanor. If you’re looking for a solid structured settlement company that is customer friendly, Settlement Capital Corporation is worth a look.

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3. JG WENTWORTH

G Wentworth has been in business since 1992. They reside in Pennsylvania and currently hold an A+ rating with the Better Business Bureau. JG Wentworth is one of the largest structured settlement companies in business and you may have seen one of their many TV commercials. They have a good overall reputation and their website is informative and provides helpful information.

The process of establishing a structured settlement payment with JG Wentworth includes:

Call or submit your request on line to JG Wentworth. A customer service rep will ask that you complete necessary paperwork to move forward.
Client returns signed docs to company.
Upon receiving the paperwork and analyzing the client's structured settlement JG Wentworth will make a lump sum offer in exchange for a portion or all of the future settlement payments.
JG Wentworth sends documents to their attorney to file for court approval.
Upon court approval, approximately 4-6 weeks in most states, client receives check.

Our customer service experience was average with the two representatives we encountered at JG Wentworth. The first was unable to answer both of our questions but was friendly. The 2nd seemed rushed and a little pushy. We were disappointed that each time we called JG Wentworth we had to speak to a new contact

Overall, JG Wentworth is a strong company with a good reputation. We would have liked to have seen more knowledgeable customer service representatives. Despite their less customer friendly approach we appreciate the strong reputation at JG Wentworth and find it's worth your time for a quote.

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4.CBC SETTLEMENT FUNDING

Founded in 2004 CBC Settlement Funding is a Pennsylvania based company. They currently hold an A rating with the Better Business Bureau. CBC is a member of the National Structured Settlements Trade Association and their top executives worked historically for some of the largest structured settlement firms. Since then they've built a well run business with a strong focus on customer service.

The website at CBC Settlement was very informative with state specific regulation information, numerous resources to help you understand CBC Settlement Funding. While in business shorter than those higher ranked the innovative and informative website was the best of the bunch. We appreciated their level of professionalism.

The process of starting a structured settlement payment at CBC Settlement Funding includes:

Contact CBC to discuss options.
Necessary paperwork is sent for signatures and a notary.
Return the documents back to CBC Settlement.
CBC works with the insurance company to verify the payments and establish a court date with an attorney in your local area.
CBC will expedite a wire transfer or check upon court approval.
Stated 3 to 6 week average turn around based on the state you live in.

The customer service team at CBC Settlement was knowledgeable and courteous. We were able to get all of our questions answered in our first call.

If you are looking for a lump sum payment from a structured settlement CBC Settlement Funding is a company worth requesting a quote from.

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5.WOODBRIDGE SETTLEMENT FUNDING

A California based company, Woodbridge Structured Funding has been in business since 1993 and currently holds an A+ Better Business Bureau rating. Our first impression of Woodbridge was concerning. We felt their website lacked the professionalism we expected. We saw more of a sales pitch then valuable information. When you're making a decision worth thousands of dollars you don't want to see "free" gimmicks at every corner.

While the Woodbridge process wasn't laid out on the website we were able to identify the standard protocol:

Start by calling and talking to a representative.
They will evaluate the structured settlement and offer you a quote.
If you agree with their quote, they will send via overnight package forms to complete.
Once you complete and have notarized the documents you return in their pre-paid overnight envelope.
Woodbridge will verify your payments with the insurance company.
Once verified they will apply for a court date in your area and hire an attorney. Depending on the state and delays in establishing court dates, most customers can anticipate 45 days for their settlement check.

Customer Service was very good. We spoke with a very knowledgeable customer service representative who was not pushy or in a rush. He answered all of our questions in detail and then provided his direct extension.

Instead of providing an informative website, Woodbridge Structured Funding focuses on driving customers via gimmicks and promises. While we appreciated their strong BBB rating and customer service, we would have liked more information to help make a decision. In the end, Woodbridge is probably worth getting a free structured settlement quote, but don't get hung up on big promises or gas cards.

Understand Structured settlement even more before you sell.