Sell Your Structured Settlement

Fairfield Funding will tailor a plan to fit your specific needs and goals when you look to sell your structured settlement. When considering selling your structured settlement payments, it’s important to work with a structured settlement purchasing company that takes the time to understand your current situation, as well as your needs and goals.

Fairfield Funding will work hard to get you the money you need, while at the same time maintaining as much of your future settlement payments as possible. Our experienced financial staff will make sure you understand the immediate and long-term effects on your personal finances.

Get cash in as few as 5 Days!

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Sell Structured Settlement

Why should I Sell my Structured Settlement to Fairfield Funding?

Fairfield Funding is an industry leader in purchasing structured settlements and for a good reason. We have an impeccable reputation that we strive to uphold with every seller interaction.

Our company has helped a lot of people get the cash they need when they need it most!

How it works

How Does Selling My Structured Settlements Work with Fairfield Funding?

Selling structured settlements with us is a straightforward process. We make it easy to sell structured settlement payments and release the lump sum you need quickly and securely.


Call Fairfield Funding for a Free Evaluation and Quote:

Call us with an idea of how much cash you need. Then one of our representatives will determine your eligibility to sell and provide you with a quote.


Signing Contract:

Once you are satisfied with what we offer and accept a quote, we will ask you to sign and return a contract confirming the terms of your agreement.


Scheduling the next court hearing date:

Our team will then handle the paperwork necessary to complete the transaction, including scheduling a court date for approval from a judge.


Attend Your Court Date: 

Court approval is required to transfer payment rights, which can take approximately four to ten weeks.

Don’t worry – we’ll walk you through the whole process before your court date so there are no surprises!


Receive Your Amount: 

Finally, once the court has approved everything, we will then pay out your lump sum via wire transfer, direct deposit, or check – whatever’s most convenient for you!

It’s as simple as that – no fuss or muss! So don’t wait another minute – contact Fairfield Funding today and get started on getting the money in hand that will help improve your life now!

With high chances of getting trapped by the fake structured settlement companies out there in the secondary market, searching for a reputable and trustworthy structured settlement buyer with a good reputation can be a daunting task. It makes sense to look for a company with positive reviews and a history of satisfied customers.

Fairfield Funding is a successful Factoring Company that has served its customers with dedication and professionalism over the past 15 years, helping them get their deserved payments in their hands in the least possible time duration.

If you, too, are the one looking to sell your structured settlement annuity, it’s essential to plan ahead and understand the process. This article aims to provide readers with accurate and helpful content about the steps and considerations involved.


The process of selling settlement payments, also referred to as a structured settlement secondary market, allows individuals to convert their future settlement payment stream into immediate cash, which can be advantageous for various reasons, such as paying off bills or making a home purchase. 

However, there are some risks, so you should carefully consider your current financial needs and future financial security.

The process of selling structured settlements typically involves working with a qualified intermediary, such as a lawyer and a structured settlement company, who will help facilitate the sale and ensure all guidelines and standards are met. 

It’s crucial to keep in mind the interests of all parties involved and ensure that the steps taken align with U.S. rules and regulations.

Drawbacks of Monthly Payments as Compared to Getting Lump Sum Payouts

Although structured settlement Annuity provides a regular stream of tax-free income for the claimants, there are some risks associated with it as compared to Lump Sum Amounts.

➥ Risk Of Inflation – One disadvantage of monthly payments is the potential erosion of purchasing power due to inflation. It’s essential to factor in the interest rates and the economic landscape when making a decision.

➥ Liquidity Risk – Structured settlements require claimants to wait until specific dates before receiving their next payment, whereas taking a lump sum allows them to access all their funds immediately.

How Does This Normally Work?

Selling a structured settlement requires obtaining a judge’s approval and enlisting the help of an attorney in following the Structured Settlement Protection Act. Your settlement terms and state laws will play a pivotal role in the process. 

It’s always a good idea to consult with representatives from reputable companies, such as Fairfield Funding, to get a sense of the market and the best possible price for your payment rights.

》Step#1: Decide The Amount You Want

The first step in structured settlement selling is determining how much money you want to receive upfront. It’s essential to have a clear plan in mind, considering both your current living expenses and future needs. 

For example, if you’re thinking of a house purchase or children’s education, factor those into your calculations.

  • Make a list of current and anticipated expenses, from mortgage payments to travel plans, and determine the best course of action.
  • Estimate the total dollar amount needed to address these expenses.
  • Determine if selling only a portion of the future payments would suffice or if more drastic measures are necessary.

》Step#2: Look For Buyers

You may find buyers through online marketplaces or by searching for companies that specialize in buying structured settlement payments. Given the number of offers out there, it’s crucial to prioritize a company’s reputation and customer service. 

Checking resources like the Better Business Bureau can provide insights into a company’s history and customer feedback.

Make sure they provide transparent information about their discount rate and other associated costs before agreeing on anything else.

Once you’ve found a buyer, they will work with your intermediary (if applicable) to negotiate the details of the transaction, including payment amount(s), due date(s), interest rate(s), etc.

》Step#3: Signing Documents

After both parties agree on these details, paperwork must be completed. Accuracy is paramount at this stage, as any minor discrepancies can lead to delays or complications. Always keep in mind your rights as a recipient and ensure that all guidelines are strictly followed. This includes signing off on documents related to taxes and insurance coverage if necessary. 

Once everything has been finalized, the buyer pays out according to agreed-upon terms – usually within 30 days after completion of paperwork – allowing sellers access to immediately available funds without having to wait until future payments become due from their original annuity agreement or another instrument.

You Have The Right To Choose Your Sale Options!

When it comes to selling your structured settlement or annuity payments, you have two main options: Full sale and partial sale. 

Both choices come with their advantages, and it’s essential to weigh them against your life expectancy, current needs, and future goals.

➽ Full Sale

A fully structured settlement sale means that you will receive a lump sum payment in exchange for all of your future payments. This option is often chosen by adults who have a clear vision of their financial future and want to make significant investments or purchases.

➽ Partial Sale

On the other hand, a partial structured settlement sale allows you to retain some of your future payments while also receiving an upfront payment. This choice provides a balance, ensuring peace of mind with a steady income stream while also addressing immediate financial needs.

Just Let Us Know About Your Situation, And We Will Come Up With The Best Possible Solutions!

Pros and Cons

The Pros:

  • Getting a good lump sum amount from purchasing companies, you can use the structured settlement payment for whatever purpose you choose.

  • Whether it’s for life insurance, settling bills, or investing in life-changing opportunities, the benefits are numerous. You get more control over how much money you have available at any given time since all payments are made upfront rather than spread out over time.

  • Additionally, if your financial situation changes suddenly due to an emergency or other unforeseen circumstances, having access to a large amount of cash can help alleviate some of the stress associated with such events.

The Cons:

  • For starters, when you sell your structured settlement annuities, you may end up receiving less money overall than the present value or what was initially promised by your insurance company or court order. This is because factoring companies who buy these types of agreements typically offer discounted rates on their purchases to make a profit from them later on down the line.

  • Additionally, depending on where you live and what type of agreement was set up initially between yourself and your insurer-court order provider, there may be certain restrictions placed upon how much money can be sold at one time. This can limit how much cash is available right away should an emergency arise requiring immediate attention.
  • Lastly, if not done correctly, taxes may apply when cashing out. Hence, it’s important to consult with an accountant beforehand just in case this might affect how much money ends up being received after everything has been taken into consideration (including fees).

Reasons Why People Choose to Sell

Structured settlement annuities are the outcome of a personal injury or wrongful death. We understand why you might be selling your monthly or periodic payments to a purchasing company like us. Here are some of the common reasons to sell structured settlement payments we got to know from our clients.

These include:

  • Paying medical expenses
  • Reducing high-interest debts
  • Financing a college education
  • Making a down payment on a home
  • Purchasing a car
  • Starting a business
  • Investing for retirement

Frequently Asked Questions

  • Is selling a structured settlement a good idea?
    Selling a structured settlement can be beneficial if you need immediate cash for emergencies, large expenses, or investments. However, it’s important to weigh the potential loss of long-term financial security against your current needs. Consult with a financial advisor before making any decisions to sell structured settlements.
  • How do I sell structured settlements?
    You can sell your future structured settlement payments by working with a factoring company. They will help facilitate a structured settlement transfer. Regardless of who you work with, the process should begin with a disclosure statement outlining what you are selling and receiving. Next, you will sign a contract after a state statute determines the waiting period. After the contract, the company will file a petition for court approval in your state, allowing them to set a hearing date. If the judge approves the transfer, you will receive your money.
  • How long does it take to sell a structured settlement?
    The process of selling a structured settlement typically takes 30-45 days from start to finish. This includes obtaining necessary documentation, getting court approval, and transferring funds after completion of all legal requirements.
  • How much money should I expect to receive?
    Several factors influence how much money your settlement is worth right now. The financial professionals at Fairfield Funding will work with you to maximize the amount of money you receive responsibly.
  • Is it possible to sell a portion of my payments?
    Definitely!!! That is our preferred course of action with our clients. Fairfield Funding wants to take care of your short-term monetary needs while looking out for your long-term financial goals.
  • Do I need the insurance company’s permission to sell my structured settlements?
    The short answer is NO. This is your decision and yours alone. We will make your insurance company aware of the transaction and work with them to get everything completed effortlessly.
  • What expenses will I have to pay to sell my structured settlement?
    None. Fairfield Funding has no hidden fees. We pay for all costs associated with the transaction.
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