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Using a Pre-Structured Settlement Loan As an Investment Tool

How You Can Use a Pre-Structured Settlement Loan As an Investment Tool

injury lawsuit may take such a long time to settle, plaintiffs with plans to invest might want to apply for a pre-structured settlement loan before investment opportunities pass them by

A Pre-Structured Settlement is Not Only For Hardships

Plaintiffs often think that a pre-structured settlement loan is only for those who are facing financial hardships; they are mistaken. It is possible for any plaintiff to use a lawsuit loan during his pending lawsuit as an investment tool. The plaintiff can use the money in various ways; however, like all other types of investment, there are risks involved. The plaintiff has the benefit of not being required to pay back the settlement loan in the even that he loses his lawsuit. So, even if he loses both his case and his investment, he would still break even in the end. However, if the plaintiff wins his case but loses his investment, he is out the original investment amount. With so much at stake, plaintiffs must understand all the risks before applying for a lawsuit settlement loan, as an investment.

Cash from The Settlement Can Be Invested in Whatever You Desire

The cash from a lawsuit settlement loan can be invested in any endeavor the plaintiff can think of. During the 2008-2009 housing market collapse, houses cost 30-40% less than they used to in 2006. Some plaintiffs took advantage of this and purchased homes, putting a large down payment or even pay in full. Since a lawsuit could take years to settle, by the time the plaintiff actually receives the money from his settlement, housing prices might have started to rise again making the plaintiff wish had applied for the loan when the opportunity presented itself. While housing prices are still low, plaintiffs planning to buy a house might want to take the calculated risk of getting a pre-structured settlement loan.Plaintiffs have also begun using settlement loans to get into the stock market. Of course, there is always the risk of losing money, however if they turn a profit, not only do plaintiffs recover their original investment, they can even cover the interest and fees attached to their settlement loan and have some money left over. This maneuver though may be best left to those who have a firm grasp on the stock market.

Start a Business with Your Cash

Plaintiffs can also use a lawsuit settlement loan to start a new business, it’s an excellent way to get the start-up cash they would need and prevent them from having to find investors or take out a traditional loan; remember, the money from a settlement loan is yours and you’re not actually borrowing money, you’re just getting your money advanced to you via a settlement loan in return for interest on the advanced amount.

Categories: Articles, Cash Structured Settlements, Sell Structured Settlement Payments, Woodbridge Investments LLC, lump sum payments.

The Good and Bad Of Selling a Structured Settlement For a Lump Sum

Structured Settlements for a Lump Sum; The Pro’s and Con’s

The option to sell structured settlements for cash must not be taken lightly. These periodic payments could be funds you have become dependent on to some extent, and selling will stop those payments. But if you need a large amount of cash to fund an investment that will change your life for the better, selling all or part of your structured settlement may be more useful to you than hanging on to the periodic payments.

So before selling a structured settlement, weigh the transaction’s pros against its cons first to make sure that what you’re losing is expendable when compared to what you’re gaining.

Pros:

• Liquidity. A structured settlement limits the liquidity of the settlement money that you are entitled to, whereas cashing in a portion or all of a structured settlement frees that money for immediate use.

• Value. You can capture the current value of the money that you’re owed. Because structured settlement payments are equal each month, the effects of inflation decrease the real value of your money over time.

• You don’t have to wait for credit approval. Although you may need to validate your reasoning for cashing a structured settlement, you can’t be denied your settlement because of a bad reference or credit history.

• Relatively quick payment. Compared to applying for a loan, structured settlement factoring is a faster way to get cash, taking as little as three weeks.

Cons:

• Structured settlements and annuities are sold at a discount, which means that the lump sum you get through the sale is less than what you would have received had you continued to accept periodic payments.

• Low regulatory involvement. Structured settlement buyers belong to an industry that is currently unregulated. Unscrupulous companies and individuals exploit this fact by engaging in unethical business practices.

• Taxes. You’ll be charged an excise tax that can be as high as 40% if you choose to cash a settlement for an invalid reason. You will also incur liability for state and federal taxes on your lump sum.

• Legal aspects. Structured settlement factoring is a long process that has exhausted many people who have tried it. There is a lot of red tape to pass through before the money will be seen, and some settlements legally cannot be sold.

Categories: Articles, Buyer of Structured Settlement Payment, Cash Structured Settlements, Sell Structured Settlement Payments, Woodbridge Investments LLC, lump sum payments.

Lump Sum Cash, Are You Eligible?

Who Is Eligible to Sell Structured Settlement Payments for Cash Lump Sum?

Actually, all structured settlement recipients have the option to sell all or part of their future payments for lump sum cash if they need to raise a considerable amount of money when faced with financial dire straits. Although it is an option they might want to consider as a last resort because of the difficult processes involved and the unforeseeable consequences selling structured settlements may have.

Structured settlements ensure a periodic and reliable inflow of funds that recipients may need for ongoing treatment for injuries or perhaps other long term needs. If they rely on this inflow to maintain their quality of life, recipients may be giving up future stability for a present need. Furthermore, the lump sum they will receive usually has less value than the sum of the structured settlement payments. With so much at stake, structured settlement sellers ought to try other ways of raising money before selling all future payments.

In some cases where the recipient is already fully compensated for all damages and has recovered from his or her injuries before the settlement is paid in full, the remaining future payments may serve the recipient better as a lump sum that may come in handy for paying for other necessities.

Consider the Legalities Before Selling Structured Settlements.

There are laws in approximately two thirds of the states which restrict the sale of structured settlements, and additional federal regulations apply to the sale of structured settlements.

You should expect to have to obtain court approval for the sale, and most states have statutes in effect which regulate the transfer process. The insurance company that issued the annuities for the structured settlement may refuse to cooperate with the sale of a settlement, citing policy language and asserting that payments cannot be assigned.

Also, when the negotiations take place, some contracts might put up the restriction on sale of the structured settlement. Since structured settlements help in tax savings, it might make the person liable to pay tax after the settlement is sold.

Possible Lower Market Value for Emergencies

Also, if the settlement is being sold to raise cash for an emergency, it is possible that the insurance company might make an offer considerably lower than market value.

Licensed brokers and attorneys would be able to assist in selling a structured settlement in an appropriate manner since they are specialized in this field. It is important to take their advice before selling either a part or whole of a structured settlement as this might result in a bad judgment on part of the individual.

Categories: Articles, Buyer of Structured Settlement Payment, Sell Structured Settlement Payments, Structured Settlements, lump sum payments.

Five Tips When Selling Your Structured Settlement

You may have received structured settlement payments through personal injury or workers’ compensation claims. You may be wondering if you should try to sell your settlement payments in exchange for a lump sum of cash. Be aware, however, that despite the claims of advertisers, the selling your structured settlement may not always be possible – and even if it is possible, it may not be an economically wise decision. There are some benefits to selling structured settlements, but also some hidden costs of which you should be aware.

Tip #1: Make a Wise Settlement Decision from the Beginning

If you have the option, it is always best to make a decision about receiving structured settlement payments from the start. You may, from the beginning, choose to press for a lump sum payment vs. periodic payments. This is not just black and white either – you may negotiate for a combination agreement. You may want to get a smaller lump sum plus periodic payments, or decide that you will need a lump sum at a future date. You may want to consult with a tax adviser and see what arrangement makes the most sense from a tax perspective. If you are in this stage of the settlement, remember: now is your best time to decide. Should you decide to sell your structured settlement at a future date, you will be losing a percentage of your money to companies that buy those structured settlement payments.

Tip #2: Watch Out for the Tax Man

Although you may be considering selling your structured settlement, it is important to consider that it was probably constructured from the beginning to provide you with significant tax advantages. As a result, you may be in for an unpleasant surprise if you decide to receive a lump sum payment. Check with a competent tax adviser to see what the ramifications are in your situation.

Tip #3: Beware of Hidden Restrictions on Selling Structured Settlements

Many people do not realize that federal regulations can limit and restrict the sale of structured settlements. In addition, approximately 60% of the states have some laws on the books which restrict the sale of structured settlements. Find out which laws apply to your situation. You may have to obtain court approval for the sale, and the process of transferring settlement payments to a buyer may be highly regulated by your state. Also, if your structured settlement was issued by an insurance company, watch out for hidden clauses. They may state that payments cannot be sold to another party.

Tip #4: Don’t Take the First Offer You Get

This seems like common sense, but many people attempting to sell structured settlements are excited by the prospect of receiving a huge lump sum of cash. But it pays to shop around. Even if your first offer seems excellent, get quotes from at least 2-3 other buyers of structured settlements to see if the first offer can be topped. Do your research and make sure you are dealing with a reputable buyer of structured settlements. If one buyer’s offer is way better than the others, be alert – if it seems too good to be true, it just might be.

Tip #5: Get a Good Lawyer

When dealing with such a large amount of money, consulting with a lawyer can pay for itself many times over. A lawyer experienced in dealing with settlements can tell you if your buyer’s offer is reasonable, as well as if the terms of the purchase agreement are right for your situation. He or she can also protect your rights, in case any of the parties in the transaction are not cooperating or sending payments according to the agreed contract.

Categories: Articles, Sell Structured Settlement Payments, Structured Settlements.

Is It Smart To Sell Your Lottery Payments for Cash?

Lottery Payments are Usually Given Through Settlement Payments.

Playing the lottery is a slight form of gambling which involves winning a huge cash amount. In the US, the prize payments are usually offered in periodic installments to the winner. This results in years for the winner to receive the full amount of the winning earning.

Over time, inflation can devalue the worth of the money. In many cases, the longer you wait the less value your lottery payment can hold. For this reason, many people choose the option to sell their lottery payments for a large lump sum cash payment.

The Pro’s If You Sell Your Lottery Payments for Lump Sum Cash

Other than the reasons of inflation, there are many other reasons why you should opt to sell lottery payments for lump sum!

1. TAXES – instead of facing some tax consequences payments over a period of time might bring, many tax payers opt for the large amount to solve this dilemma.

2. FINANCIAL REASONS - Debts, college tuition, buying a home or vehicle and any other projects that you need a large amount of cash for.

3. INVESTMENTS – Many individuals need a large lump sum of cash to invest a huge amount into whatever they wish from stocks to a new business.

4. LIQUIDITY – Like most people, lottery winners like having cash they can access at their own convenience.

5. PEACE OF MIND – Winners who sell lottery payments can use the lump sum to pay for debts and outstanding bills.

The Con’s of Selling Your Lottery Payment for Lump Sum Cash

1. Sudden Wealth – The unfamiliarity of sudden wealth is a risk for some. Many lottery winners have lost all their assets due to splurging and ended up in poverty in a matter of years.

2 – The discount of the lottery payment cash flow is sometimes viewed as significantly large. This makes many winners hesitant to pursue selling lottery winnings. Some even don’t consider the option at all. However, keeping the threat of inflation in mind, many still believe that today’s lump sum is more valuable than the upcoming years’ periodic payments.

If you would like to sell your lottery payments, it is primarily up to you to use your own discretion whether of not selling lottery winnings will suit your needs.

Categories: Articles, Lottery Payments, Woodbridge Investments LLC, lump sum payments.

Gas Prices go up as the value of your settlement and annuity payments go down!

It’s a reality that thousands of Americans begin to see happening in their very own lives everyday.

sell settlement payments

Recent economic changes of drastic proportions have made those once sufficient amounts received from annuities and settlement payments less than desirable. Inflation, increased cost of living, rising debt, the largest hike in gas prices our country has ever seen all make the buying power and value of your settlement or annuity money shrink to unrecognizable amounts.

Originally the scheduled monthly, bi-annual, or even yearly payments seemed adequate or more than enough. Annuity and structured settlement payments were intended to help the victim of an injury, a person who aquired a disability, or even to supplement retirement income.
More over, foreclosures and mortgage delinquency have become an epidemic as a result of poor lending preactices, and brokers who farmed out sub-prime loans by the dozen to homeowners who could not afford or should have not received a loan.
American companies are reducing their human labor costs and quickly implemeting autonomic systems that help to fray the seemingly exhorbitant cost of operationg. Industry specilaists estimate that a corporation or business could effectivly reduce their overhead in human resources by more than 28% by eliminating personnel that are not absolutely necessary to day to day operations. This reduces not only the payroll costs for a struggling company, but eliminates the costly company contributions to benefits packages, and health plans typically provided to an employee.
An emergence of internet based and low cost electronic investment tools and software have turned even the most domestic housewife into stock savvy investors. At home on the computer individuals are learing that they can control their own investments and eliminate the middleman company.
Structured settlement, annuity, and lottery payment receipients are among the most fortunate in today’s society. A liquid asset such as this could provide the emergency funds needed to save a home from foreclosure, pay down or pay off credit card debt that is burying you further and further, medical expenses and care, or any other unforeseen costs that arise.
Selling settlement or selling annuity payments for a large lump sum of money can give a person the money they need now when they need it most.
Companies that will purchase your payments, like Woodbridge Investments or J.G. Wentworth,will give you an appraisal to let you know how large a lump sum your payments are worth, allowing you to decide which or how many payments you would like to sell.
Payments that are sold in the first 5 to 10 years are going to carry the most value and render the highest possible amount of money, while payments sold further in the schedule or years later will bring a much reduced offer.
Payments from structured settlements or annuities are not built to factor in the increased cost of living as the years go by, but the lump sum offer you receive from any company will definitely reflect the rate of inflation, and the lessened value and buying power of your dollar.
To get more information on how you can sell structured settlement or annuity paymen-ts and get a large cash sum now, call Woodbridge Investments today toll free 1-866-865-7044 or visit our website for an instant quote online or chat with a live reprentative at www.woodbridgeinvestments.com

** Your money is there for you, let Woodbridge investments help you realize your mony’s value to you today!**

Categories: Annuity Payments, Articles, Lottery Payments, Sell Structured Settlement Payments, Structured Settlements, Woodbridge Investments LLC, annuities, future payments, get a lump sum, investments, lottery, lump sum payments, sell, selling structured settlement, structured settlement, structured settlement payments, sum.

Resources that could save your home from foreclosure.

There are many resources you may not know you have–such as a 401K, Structured Settlement, Annuity, or Life insurance policy–that could save your home from foreclosure.

Foreclosure rates and statisitcs are scary, especially when you are a homeowner who is living paychack to paycheck.

1 out of every 200 homes will be foreclosed upon. For a city like Washington D.C., that translates to 3,000 Washingtonians losing their homes to foreclosure each year.
Every three months, 250,000 new families enter into foreclosure each year.
One child in every classroom in America is at risk of losing his/her home because their parents are unable to pay their mortgage.

Source: Mortage Bankers Association

Too many Americans do not realize the possible resources they may have at their disposal that could possibly save their home from foreclosure. Woodbridge Investments is here to help you understand how liquid assets are among some of the most powerful and yet unknown ways to use your money when you need it most.

Some of these resources include but are not limited to:

401K

You may be eligible for a “hardship withdrawal,” for those unexpected circumstances when you may need your money before retirement. According to IRS safe harbor regulations, your “hardship” must represent an “immediate and heavy financial need” and is necessary to satisfy the financial need. Also, there must not be “any other resources that are reasonably available,” to you to handle that financial need. The IRS has deemed the following four distribution reasons as representing an immediate and heavy financial need:

Certain medical expenses for you, your spouse or your dependents
Purchase of a primary residence (excluding mortgage payment)
Payments of certain post-secondary education expenses for the next year for you, your spouse or your dependents
To prevent eviction from or foreclosure on your primary home

Please be advised that if you take a hardship withdrawal from the plan following “safe harbor” rules, you may be suspended from making contributions to the plan for a minimum of six months. Some plans also allow hardship withdrawals for other reasons. Check with your benefits department. You will need to show your employer proof of how you intend to use the money, and proof that the amount you requested isn’t more than enough to satisfy your need.

Whole Life Insurance policy

With level premiums and the accumulation of cash values, whole life insurance can provide money later on to help with temporary needs or emergencies.

Unlike term life insurance, money you pay into your whole life policy accumulates as guaranteed cash values. If you choose to surrender the policy, these guaranteed cash values would be available to you. Or, as long as the policy is in force, you may borrow against them as a policy loan at the current policy loan interest rate.

Your guaranteed cash value depends on the kind of whole life policy you have, its size and how long you have had it. The growth in cash values is tax deferred under current federal income tax law. Borrowed amounts reduce the death benefit and cash surrender value.

Structured Settlement

Structured settlements can be inflexible and often are inadequate to deal with immediate financial needs or unplanned emergencies. United States Congress and most state governments have agreed that settlement victims have the right to sell their structured insurance settlement and receive money from insurance settlement in the way they see fit. Court approval is usually required to protect the beneficiary from an inappropriate sale and also to verify that the sale is in the victim’s best interest.

Selling your structured settlement or annuity for a lump sum can provide you with the cash you need now to save your home from foreclosure, and help you get back on track. It is your money, therefore it is not a loan that must be repaid. You can choose to sell all or some of your future payments. You can sell payments from a structured settlement even if you have sold previous payments, providing there are some remaining.

The size of your lump sum payment is partially determined by which payments you sell and the number of payments you sell. To find out how large a lump sum you may be entitled to you will need to obtaina quote from a company that will buy your structured settlement payments.

If you are looking to sell your structured settlement payments, or to find out how much cash your payments are worth, call Woodbridge Investments toll free 1-866-865-7044

You can also visit us on the web at www.woodbridgeinvestments.com and get a free appraisal online.

Categories: Annuity Payments, Articles, Blog, Buyer of Structured Settlement Payment, Cash Structured Settlements.

Don’t take chances with your money. Call Woodbridge today and get the most money guaranteed for your structured settlement or annuity payments.

Woodbridge Investments LLC continues to bring you the highest paid lump sum guarantee to individuals who want to sell structured settlement or annuity payments for a lump sum now!

We guarantee we will beat any legitimate offer!

Simply call toll free 1-866-865-7044 and find out how much more money you are entitled to!

There is no obligation, no pressure, and it only takes a few minutes!

Woodbridge Investments LLC has the talented and knowledgeable staff that can answer any of your questions, and provide you with a quote for all or just some of your payments. Its your money, and we understand that periodic payment schedules can be restrictive. Unexpected bills or living expenses can put a strain of finances, and family matters.

The law protects individuals being restrained by their payments by allowing them to sell structured settlement payments for a lump sum now. Let Woodbridge Investments show you how to take back control of your money and give you the lump sum of cash you need now!

You can call 1-866-865-7044
Chat with a live representative

Click to open Chat Window

click to get a free quote instantly

Just let us know:

How much are your payments?
How often do you receive your payments?
How many payments are left?

That’s it! It’s that simple!

Every day Woodbridge Investments helps individuals and families get back on track by getting them the money they need now. Don’t let your money decide what you are going to, decide what you can do with your money!

There is no need to wait for small periodic payments year after year.

Helping Americans get the most for their future payments now is what we’ve always done better than anyone else.

Contact our structured settlement and annuity experts who have combined years of their experience to bring you unmatched service and solutions to meet and cater to your needs.

Can you think of any reason not to get the most for you money?

You’ve waited long enough!

Contact Woodbridge Investments today to sell your structured settlement or annuity payments and know that you are getting the largest lump sum for your future payments.

You’ll be glad you did!

1-866-865-7044

or get an online quote at http://www.woodbridgeinvestments.com/quote_form.php

Categories: Annuity Payments, Articles, Blog, Sell Structured Settlement Payments, Structured Settlements, Woodbridge Investments LLC, get a lump sum, lump sum, sell annuity payments, sell structured settlement, structured settlement, structured settlement payments.

Finally, there’s a better way to sell structured settlement payments!

Don’t gamble with your money! Over a thousand satisfied customers turned to Woodbridge Investments when they wanted to sell structured settlement payments.Why take chances with your money? You’re in control.

For those that demand excellence, unsurpassed quality service, and worry-free peace of mind, there’s no substitute for Woodbridge Investments. Don’t settle for anything less! When you want to sell structured settlement payments Woodbridge is ready with proven expertise and help you can count on when you need it! Why settle for less than you deserve?

Ask yourself, “Can you afford to not get the most money for your payments?”

Avoid disappointment, and get the guarantee that you will receive the largest lump sum offer for your payments!

It won’t cost you anything to find out how much your future payments are worth. You risk nothing!

It’s up to you!

Rather than simply reading about how Woodbridge Investments can help you, take the first and most important step, get your free no obligation quote today! Call toll free 1-866-865-7044

Categories: Articles, Sell Structured Settlement Payments, Structured Settlements, future payments, lump sum, payments, sell, sell payments, sell structured settlement, settlements, structured settlement payments.

The “Woodbridge Advantage”, the most talked about program in the industry.

The “Woodbridge Advantage”, the newest and most talked about out of guarantee program for individuals who are looking to sell annuity payments.

Until now, only a fortunate few have been able to sell annuity payments for a lump sum now, that are outside the guarantee period.

Woodbridge makes selling annuity payments for the largest lump sum now even easier.

There’s simply no substitute for easy-to-understand, invaluable information when it comes to your money. We challenge you to find another company who will buy your future payments even if they are outside the guarantee period. If you do, bring us their offer, and we will beat it!

Without a doubt, many have tried to come close to offering what Woodbridge can offer, but have not succeeded! Get as many quotes as you like from any other company and then call the professionals at Woodbridge to see how we guarantee we will beat any other offer! It’s no wonder that we are the number one choice when it comes to purchasing annuity payments.

The sooner you act, the sooner we can show you how you can not just get your money your way, but even better! In just a few minutes a highly trained associate can let you know how much your future payments are worth today! It fast, painless, and its easy! Just let us know how much your payments are, how many you have, and how often you receive them. You are under no obligation and you have nothing to lose!

Sell only the payments you want to sell!

There is never any pressure!

No one works harder to get you the money you deserve than Woodbridge. But don’t just take out word for it, Find out for yourself today!

Call toll free 1-866-865-7044

Learn more about us at www.woodbridgeinvestments.com

Categories: Articles, Structured Settlements, annuities, cash for annuity payments, future payments, sell annuities, sell annuity payments.