- Immediate Financial Needs: Life can be unpredictable, and unexpected financial needs may arise. Whether it’s medical bills, home repairs, or an emergency, selling your settlement payments can provide the lump sum needed to address these situations without waiting for small periodic payments over several years.
- Flexibility and Control: A structured settlement locks you into a fixed payment schedule. By selling all or part of your payments, you gain more control over your finances and the flexibility to use the cash as you see fit.
- Investment Opportunities: Opportunities don’t wait. Having access to a lump sum allows you to act quickly on investments, whether it’s starting a business or buying property.
- Debt Relief: High-interest debts can be financially draining. Selling your settlement payments for a lump sum can help you pay off debts and reduce your financial stress, freeing up cash for other needs.
- Education and Career Advancement: If you or a loved one is pursuing higher education or considering a career change, a lump sum can cover tuition, fees, books, and other needs.
- Home Improvements or Purchases: Selling your settlement payments can provide the capital needed for home improvements or even a new home purchase.
- Emergency Expenses: Life is full of surprises. In times of emergencies, quick access to cash is critical. Selling your settlement can provide a safety net when you need it most. Financial advisors recommend having a small nest egg available to cover such uncertainties.
- Estate Planning and Beneficiary Protection: If you’re planning your estate, converting your structured settlement into a lump sum can be a more efficient way to fund trusts or provide for your beneficiaries, ensuring your family is taken care of according to your wishes.
- Selling Your Life Contingent Payments Now While They Are Worth the Most: Consider selling life contingent payments now while you are healthy to maximize the value of your lump sum. You can convert life contingent settlement payments into a guaranteed lump sum today and reinvest those funds in another asset that will grow and be available for your beneficiaries.
Sell All Your Settlement Payments For Maximum Value or Sell Any Part. It’s up to you what portion you choose to sell. We can design a deal that gives you the best of both worlds. And you can come back to us again and again in the future for more funds. It’s really up to you!
- Consultation and Quote: Contact 123 Lump Sum for a free consultation. Our team will review your situation and provide a no-obligation quote.
- Evaluation and Approval: Our underwriting team evaluates your future payments and provides a fair offer based on factors like payment schedule, remaining period, and discount rate.
- Legal Review and Documentation: We handle all legal paperwork and guide you through the process to ensure compliance.
- Receive Your Lump Sum: After court approval, you receive your lump sum via wire or check. In most cases, no taxes are due on your lump sum.
Things to Consider Before Selling Your Settlement Payments
- Long-Term Financial Impact: Selling your settlement payments means you will no longer receive future periodic payments. It is essential to consider the impact on your long-term financial security and whether a lump sum is the best option for your particular situation.
- Valuation and Offer: Your lump sum will generally be less than the total future value of your transferred payments due to the time value of money and the discount rate applied to your transaction. Understanding this trade-off is crucial in making an informed decision.
- Legal and Financial Advice: While 123 Lump Sum ensures a transparent and fair process, we encourage all clients to seek independent legal and financial advice to fully understand the implications of selling their settlement payments, and the alternatives available to them. Thousands of customers, and the courts, agree that this choice is in your best interests.
123 Lump Sum is a trusted leader in purchasing structured settlement payments, with over $1.6 billion in payments funded and thousands of satisfied customers successfully getting court orders approved. Our process is smooth, transparent, and designed with your needs in mind. With our commitment to providing you with the highest possible payout and exceptional customer service, you can be confident in taking control of your financial future with us.
Contact 123 Lump Sum now for a free, no-obligation quote and explore how selling your structured settlement payments can help you meet your financial goals!
Selling Annuity Payments
Annuities are financial products that provide a steady income stream, by making periodic payments to the annuitant, but they are inflexible. However, life circumstances can change, and you may find yourself in need of a larger sum of money rather than waiting for small, monthly payments. At 123 Lump Sum, we offer you the flexibility to sell all or part of your annuity payments in exchange for an immediate lump sum of cash. This option provides you with the financial freedom to manage your money as you see fit.
- Immediate Access to Cash: If you need to cover a large expense—such as medical bills, home repairs, or debt repayment—selling your annuity payments can provide the lump sum you need now rather than waiting for smaller payments over time.
- Investment Opportunities: Having access to a lump sum of cash allows you to take advantage of new investment opportunities, such as purchasing property, investing in the stock market, or starting a business. This flexibility can potentially lead to higher returns compared to the fixed payments from an annuity.
- Debt Relief: High-interest debts can severely impact your financial stability. Selling your annuity payments can help you pay off credit card debt, personal loans, or other high-interest obligations, giving you peace of mind and a fresh start.
- Financial Flexibility: Your financial needs may change over time. By converting your future annuity payments into a lump sum, you gain the flexibility to manage your finances more effectively, catering to your current life situation.
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- Consultation: Contact us for a free consultation. Our team will evaluate your annuity details and provide you with a fair, no-obligation quote.
- Evaluation and Offer: Once you decide to move forward, we assess the value of your future payments and make you an offer based on factors like payment schedule, total payment value, and current market conditions.
- Legal Compliance and Approval: Selling annuity payments requires compliance with legal regulations. We handle all the paperwork and guide you through the process to ensure a smooth transaction.
- Receive Your Cash: After approval, you receive your lump sum payment, allowing you to access your cash and use it according to your needs.
With years of experience in purchasing annuity payments, 123 Lump Sum ensures a transparent, hassle-free process and provides you with the highest possible payout for your annuity. Our team is dedicated to helping you achieve your financial goals, whatever they may be.
Contact us today to learn more about how selling your annuity payments can provide you with the financial flexibility you need.
Access Pre-Settlement Funding
Navigating a lawsuit can be a lengthy and stressful process, especially if you’re facing financial challenges due to injury, lost wages, or other hardships. Pre-settlement funding provides you with a cash advance on your pending lawsuit settlement, allowing you to cover immediate expenses without waiting for the legal process to conclude. At 123 Lump Sum, we offer pre-settlement funding solutions to help you manage your financial situation while your case is still in progress.
Pre-settlement funding is repaid from the potential outcome of your lawsuit. You receive a portion of your expected settlement upfront, and if you win your case, we recover our advance from your settlement amount. If you lose, you owe us nothing—providing you with a risk-free financial solution when you need it most.
Benefits of Pre-Settlement Funding
- Immediate Cash Flow: Lawsuits can take months or even years to resolve. Pre-settlement funding gives you immediate access to cash, helping you cover living expenses, medical bills, and other costs while you await your settlement.
- No Risk if You Lose: Unlike traditional loans, pre-settlement funding is non-recourse. This means that if you lose your case, you do not have to repay the advance, making it a low-risk financial option.
- Avoid Debt Accumulation: With pre-settlement funding, you can avoid taking on high-interest loans or credit card debt to cover your expenses. This prevents you from falling into deeper financial hardship while waiting for your lawsuit to settle.
- Peace of Mind: Financial stress can negatively impact your well-being. By accessing pre-settlement funding, you gain peace of mind knowing that your immediate financial needs are covered, allowing you to focus on your recovery and legal case.
- Application and Evaluation: Contact us to apply for pre-settlement funding. We will review your case details with your attorney to determine the potential value of your settlement.
- Approval and Agreement: If approved, we provide you with a cash advance offer based on the estimated settlement value. Once you accept, we handle all the necessary paperwork.
- Receive Your Cash Advance: After the agreement is finalized, you receive your cash advance, which you can use immediately to cover your expenses.
- Repayment Upon Settlement: When your case settles, we recover our advance from the settlement amount. If your case is unsuccessful, you owe us nothing.
- With our commitment to transparency, fairness, and customer satisfaction, 123 Lump Sum offers fast and reliable pre-settlement funding to help you navigate your financial challenges with confidence. Our process is simple, risk-free, and designed to put your needs first.Need Immediate Cash? Contact us today to learn more about how pre-settlement funding can provide you with the financial relief you need during your lawsuit.Lottery WinningsWinning the lottery can be a life-changing event, offering you a chance to achieve your dreams and secure your financial future. However, most lottery winnings are paid out over several years or even decades, which might not align with your immediate financial goals. At 123 Lump Sum, we provide an option to sell your future lottery payments in exchange for a lump sum, giving you access to your winnings now rather than waiting for incremental payments.
- Immediate Financial Freedom: By selling your future lottery payments, you can access a significant lump sum of cash today. This allows you to make large purchases, pay off debts, or invest in new opportunities without waiting for years.
- Investment Opportunities: A lump sum payment enables you to explore various investment opportunities, such as real estate, stocks, or starting a business. You have the flexibility to grow your wealth in ways that regular installment payments may not allow.
- Pay Off High-Interest Debt: If you have existing debts, especially those with high interest rates, selling your lottery payments can provide you with the cash needed to eliminate those debts and reduce financial stress.
- Financial Flexibility: Everyone’s financial needs are different. By converting your future lottery winnings into a lump sum, you gain the freedom to use your money as you see fit, whether for personal needs, family support, or charitable giving.
- Consultation and Evaluation: Start by contacting us for a consultation. We will evaluate the remaining value of your lottery payments and provide you with a fair, no-obligation quote.
- Offer and Agreement: Once you decide to proceed, we provide a competitive offer based on the present value of your future payments. We guide you through the agreement process, ensuring complete transparency.
- Legal Compliance and Approval: Selling lottery winnings requires compliance with legal regulations. We handle all the necessary paperwork and ensure the transaction is conducted legally and ethically.
- Receive Your Lump Sum: After all legal approvals, you receive your lump sum payment, giving you immediate access to your lottery winnings.
With a reputation for reliability and customer satisfaction, 123 Lump Sum is a trusted partner for individuals looking to convert their lottery winnings into a lump sum. We are committed to offering you the best possible value and making the process as smooth and straightforward as possible.
Contact us today for a free quote and explore how you can access your money now instead of waiting for future payments
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