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Personal Finance Blog

Welcome to Fairfield Funding's Personal Finance blog.

Fairfield Funding is starting the summer by paying structured settlement recipients more money for their structured settlement payments.  Why does Fairfield Funding pay more money than others for your future structured settlement payments?  Because Fairfield Funding's mission is to spend money on YOU.

Other companies spend tens of millions of dollars advertising on television so you will sell your structured settlement payments to them.  But who pays for all of that television or radio advertising?  Who pays for all of the mail you receive?  YOU do.  

 When other companies pay you a purchase price for your structured settlement payments, they have to factor the price of those television and radio commercials.  So they pay you less money because you watched their advertisement.

 Fairfield Funding uses its money to pay you the MOST money for your structured settlement payments.  You don't see Fairfield Funding on television or the radio spending YOUR money.

 So...the next time you see a commercial wanting you to sell your structured settlement payments, remember to call Fairfield Funding at 1-888-943-8637.  We like to watch television, too, but we don't use your money to do so.


Fairfield Funding is celebrating March Madness.  Fairfield's clients are selecting the college basketball teams it believes will win the National Championship.  You can follow all of the March Madness action on this Fairfield Funding blog.

And speaking of Madness, there are still people who believe that structured settlement recipiants should not have control of their money.  Fairfield Funding believes that if it's your money, then YOU should have control of YOUR money.  Fairfield Funding will fight with you so you are FREE to keep your structured settlement, sell a portion of your structured settlement or sell all of your structured settlement.  It's simple.  Use YOUR money for YOUR reasons.

One of the most exciting parts of March Madness is whether the "bubble" teams are invited to dance in the Tournament.  It's always fun to debate those teams who are on the "bubble" and whether that team's "bubble" will pop.  That's the charm of March Madness. 

But when it's YOUR money and YOUR structured settlement, you don't want your financial future to be on that bubble.  You want to be certain that you can sell your structured settlement payments and that you will receive the money promised to you.   That is why so many people like you sell their structured settlement payments to Fairfield Funding.  Fairfield gives you confidence and certainty that your transaction will be done timely and as promised.  Fairfield does not play games with your future.  Fairfield leaves the games to the athletes and you should leave the structured settlement business to the structured settlement experts at Fairfield.

Remember to visit the Fairfield Funding blog often to see how your teams are doing this month!


Wondering if you should avail a lump sum or take your annual annuity payment? If you need a lump sum to invest in your life right now, selling your annuity payments is a wise choice. It could help bring you out of abyss of debt or deal with urgent need of cash, including medical expenses, home or car purchase or even education. You can sell either a part of your annuity/settlement structure or all of it, depending on your needs. Here are the five most important tips, which you can use before you sell your structured settlement annuities for cash:

1. Research to Find a Reputable Buyer

You need to scrutinize the private investor, who is ready to buy your structured settlement. Read more about their options and testimonials to determine what clients say about them before you choose their services. Check if they are a member of the Better Business Bureau. You need to be sure that you are getting the most value for your settlement.

2. Ask for Certification

Conversion of your annuity to a lump-sum payment with unregistered or illegitimate companies can leave you helpless and without the cash you need. If you do not understand the ramifications, you are susceptible to scams and might end up with very low cash or no cash at all! It helps to consult a legal advisor, stay alert and choose a trustworthy firm when you have decided to sell your structured annuities.

3. Know Your Rights

It helps to contact a legal advisor to determine what the law permits and what rights you are entitled to, before you sell your structured settlement annuities. To begin with, selling your structured settlement is completely a legal process and individuals have been buying and selling them for years. Most states in the U.S. allow you to sell your structured annuities in a risk-free manner. Financial advisors will help you determine what the law of your state permits and ascertain your rights too.

4. Have a Long Term Plan

Evaluate your current financial standings, determine the obligations, your plans for the future, and consider if selling all or a part of your structured settlement can help you meet your goals.

5. Seek Advice

As with any other financial transaction, it is important that you seek expert advice and several opinions before you agree to sell your annuity payments. Most companies will give you a free quote. Take a look at several offers and determine if it is worth selling you structured settlement annuities or not.

Fairfield Funding can help you with information, advice and assistance when you decide on selling your structured settlements. The Fairfield Funding experts will take you through the entire process of selling your structured settlement annuity. You are assured the best treatment and most money for your payments.


If you have been thinking of selling your structured settlement or other annuity payments, you will want to receive the maximum amount of money for your future payments, however the price shouldn't be the only thing you should be considering when determining whether to sell your payments. To make sure you don't become a victim, you need to also carefully review these other traits of the company you are soliciting.

Fair and Honest Company HistoryFairfield Funding - BBB Stuctured Settlement Buyer

For most people, this is the largest financial transaction they will ever do.  You are looking to receive a significant lump sum in exchange for your guaranteed future structured settlement payments.  Does the buyer you are working with have a good reputation of fair and honest dealings with their clients? Make sure the company is properly licensed, if required, and can provide you with verifiable information about their history and reputation when requested. Also, make sure the company is accredited by the Better Business Bureau, or BBB. Fairfield Funding is a member of the BBB with an outstanding A- rating. View Fairfield Funding's BBB profile.

Convenient and Fast Service

Many people sell their structured settlements and annuities to obtain a lump sum of money as quickly as possible to pay high interest debt such as credit card bills, medical bills, college tuition fees and other expenses.  Make sure you understand how long the transaction will take to complete and what your remedy is if the company takes longer than they told you.

Legal Expertise

Another important factor is to consider when choosing a structured settlement buyer is their knowledge of the laws in your area. The laws concerning the sale of structured settlements vary from state to state, and some states have more complicated laws than others. A good company will explain the legal details of the structured settlement transfer process as well as go through all the terms and conditions of your structured settlement contract with the buyer.  Make sure you ask questions and that the company fully explains explain anything that may be unclear to you.

Fairfield Funding has recently hired attorney Marc Harris as its General Counsel. Mr. Harris has many years of experience in the legal and financing community and is a welcome addition to the Fairfield Funding team. View the full bio of Fairfield Funding's new structured settlement attorney.

 


People who choose to sell their structured settlement payments are usually looking to convert their structured payment plan into one large amount that can be used as they see fit. Selling structured settlements, annuities, or lottery payments should never be a spur of the moment decision. Rather, the seller should thoroughly research different buyers to determine which companies will offer the best rates and provide the best service and information.

Reliability and Reputation

The first thing that has to be considered when you decide to sell off your structured settlement payments is a reliable finance company that specializes in buying these settlements. You can gain info about these finance companies by conducting research or by contacting a lawyer. Check the past payment records and the quality of work relationships of the finance company to ensure a fast transaction.

Facts about Structured Settlements

As per the federal and state laws, in each state it is compulsory to obtain approval from the court before selling your structured settlement payments.

View Structured Settlement Laws in Your State

The transaction begins by the finance company sending a disclosure document to the seller. This disclosure document enlists all the terms and conditions that have to be followed when you sell your structured settlement payments. Pursuant to each states Statutes, there is a waiting period between the disclosure and the signing of the agreement to sell the payments. Once the disclosure and agreement is executed, then the disclosure document is submitted to the court for approval. Within of short period of time after obtainment of approval from the court, the finance company transfers funds to the account of the seller and the sell off process of structured settlements is completed. This process allows the client to use the money as he or she wished. Also, a good finance company should offer flexible payment options such as cheques, wire transfers, or demand drafts.

Research and Review Your Options

With the many finance companies that offer financing services, be sure to inquire about the experience and reputation of the team that will be handling your transactions. 

About Fairfield Funding

We are a full service funding company specializing in purchasing and funding Structured Settlements and Life Settlements. Collectively, Fairfield Funding's management has over 50 years of experience in the financial services arena. We specialize in meeting the short term financial needs of our clients through low cost funding transactions. We strive to keep our operating costs low and pass those savings on to our clients. If you have a Structured Settlement or a Life Settlement please contact us and we will guide you through the process and make sure you get the most money possible.