1. Introduction
If you’ve ever searched “structured settlement companies near me,” you’re likely facing a pressing financial need and want to access your funds quickly and safely. But finding a trustworthy, reputable company—especially one nearby—can feel overwhelming.
This guide simplifies that search by comparing top local and national structured settlement companies, explaining how the process works, what rates to expect, and how to avoid scams. By the end, you’ll know exactly how to choose the best partner to help you convert your future payments into cash today.
2. How to Find Providers Near You
The best way to start is with a localized Google search:
Try: "structured settlement buyers near [Your City/State]" or use Google Maps.
Tips for Local Searches:
- Use filters like reviews, hours, and distance
- Look for companies licensed in your state
- Visit local BBB.org to verify their standing
Example: If you’re in Atlanta, search:
“structured settlement company in Atlanta GA”
3. National vs. Local Buyers: Benefits & Differences
| Type | Benefits | Limitations |
|---|---|---|
| National | Larger funding pool, faster payouts | Less personalized, harder to vet locally |
| Local | Face-to-face meetings, local court expertise | May offer lower lump sums |
National Providers:
- JG Wentworth
- Peachtree Financial
- CBC Settlement Funding
Local Examples (Depending on State):
- Pacific Life Settlement (CA)
- Stone Street Capital (Mid-Atlantic)
- DRB Capital (FL)
4. Typical Discount Rates & Fees
Most companies won’t give you 100% of your structured settlement’s value. That’s where discount rates come in.
- Average Discount Rate: 9% to 18%
- Factors Affecting Your Rate:
- Number of payments
- Size of payments
- Payment schedule (monthly vs annually)
- Company overhead and legal costs
Example:
If your remaining payments total $100,000, you may be offered $75,000 to $91,000.
5. Reviewing Providers: Top Companies Comparison
| Company | Type | Discount Rate | Speed | BBB Rating | Legal Support |
| JG Wentworth | National | 9%–15% | 45–90 days | A+ | Full Support |
| CBC Settlement | National | 10%–16% | 30–60 days | A+ | Cash Advances |
| Settle4Cash | National | 11%–18% | 45–75 days | A | Full Filing |
| [Your Local Firm] | Local | Varies | 30–60 days | Check BBB | May Vary |
6. Consumer Feedback & Case Studies
“I contacted three companies and was surprised at the wide range of offers. JG Wentworth had the best process, but a local company offered to meet me in person, which helped.”
“I almost sold my whole settlement, but thankfully I read the fine print and sold just a portion. Huge difference long term.”
Online reviews on Trustpilot, Reddit, and BBB can give insight into actual user experiences—good and bad.
7. Red Flags & Green Flags Checklist
✅ Green Flags:
- Transparent written quotes
- No-pressure consultations
- BBB rating of A or higher
- Licensed in your state
- Clear timelines and fee disclosure
❌ Red Flags:
- Pushy sales reps
- No written rate or unclear fee breakdown
- Promises of “guaranteed approvals”
- Unlicensed or poorly reviewed firms
8. Alternatives to Selling Your Settlement
Not everyone needs to sell their settlement. Consider these alternatives:
- Structured Settlement Loan: Risky, high-interest borrowing
- Partial Sale: Sell only a portion of your payments
- Personal Loan or HELOC: If you have good credit or home equity
- Nonprofit Credit Counseling: Often free and can provide bridge solutions
- Hardship Grants or Emergency Funds: Especially for medical or housing crises
9. How to Sell or Advance: Step-by-Step Guide
- Collect Settlement Info: Payment schedule, remaining balance, court docs
- Search Locally & Nationally: Use “near me” tools and check BBB profiles
- Request 3–5 Quotes: Compare lump sum offers and terms
- Verify Licensing & Ratings: Check state licensure and Better Business Bureau
- Consult Attorney/Advisor: Especially helpful during the court approval stage
- Court Filing: Required in every state under SSPA
- Use Cooling-Off Period: Many states offer 3–10 days to reconsider
- Receive Funds: Payment usually follows within 30–45 days post-approval
10. FAQs
Q: Can I sell just a portion of my structured settlement?
Yes. Partial sales are common and often smarter than full liquidation.
Q: Is the lump sum taxable?
Generally no, if it was a personal injury-related settlement.
Q: Can I cancel the sale?
Most states offer a cancellation period after signing—read your contract carefully.
Q: How long does it take to get my money?
Typically 30–60 days after court approval, depending on the company and state.
11. Conclusion & Next Steps
Selling a structured settlement is a major financial decision. Whether you go with a big-name national firm or a local expert, the key is to compare offers, understand your rights, and never settle for the first quote.
What You Can Do Next:
- Use Google Maps or BBB to search “structured settlement companies near me”
- Request at least three quotes
- Consult a financial advisor or legal professional
With the right information and support, you can make a smart decision—and get the cash you need while protecting your financial future.
Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. Always consult licensed professionals before making financial decisions.