on السبت، 5 أبريل 2014

Abestos causes tumor
The sad truth is that asbestos is the cause of mesothelioma , one of the most dangerous forms of cancer . Dangerous because it is not often that people recover from this type of cancer . Most of the time , once the present has been diagnosed with mesothelioma to you, and you would have hard battle ahead of you . The prognosis is not good . In most people who suffer from mesothelioma barely living for longer than 24 months . They are fighting for what seems a losing battle .
Mesothelioma can be either benign or malignant . Although people often suffer from malignant pleural mesothelioma . This type of mesothelioma is devastating. Cancer can spread quickly to other vital organs such as the heart , lungs and abdominal organs . When people are diagnosed with mesothelioma malignant pleural , and they average life expectancy is much shorter - ranging from four months to a year at most. Although this is devastating to a large extent , and there are people with mesothelioma , and even those diagnosed with mesothelioma malignant pleural , who still live longer than 2 years of care and appropriate treatment.

 Mesothelioma lawyers
The diagnosis is accurate diagnosis of mesothelioma you or a loved one with one, you have to think to get help mesothelioma lawyer . Can mesothelioma lawyers help you protect your rights . You have the right to recover the cost of your treatment . You have the right to request a refund of lost wages . You or your loved one deserves to be compensated for your suffering civilians . You can protect your rights if you have the help of mesothelioma lawyers .
Choosing lawyers have tumor
Before renting actually mesothelioma your attorney , you need to meet with a number of them to take an appropriate decision on who employed . Not everyone is competent . You have to choose a person who can serve the interests of your best . There are many mesothelioma lawyers who can help so that you can recover your losses and get compensation without having to go to court . Goodwill mesothelioma lawyers settle things extrajudicial so you would avoid the stress going through a legal battle .

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on الجمعة، 4 أبريل 2014

How to Buy Structured Settlements

Structured Settlements is a way to pay is usually used as an 'out of court settlement . Although used structured settlements in the context of court settlements , there are many other scenarios where payments are considered an entrepreneur. For example , an insurance company receives payments from customers that they structured insurance. Or, the lender or creditor receives payments from a structured person who had given an extension of credit .
What are structured settlements ?
Often known as structured settlements in the form of a series of payments made ​​to the prosecutor in the case of a special court , by the defendant . As mentioned above, the defendant pays the plaintiff a series of payments over time . Often made payments to the plaintiff organizer in cases where the defendant is unable to compensate , in terms of a lump sum . Some cases in which they are structured settlement procedure include , personal injury , liability , and harassment and misconduct . Extension of credit from one of the merchants to last , and provide payment, insurance or discount or negotiable instrument in this regard can be completed any transaction legal and moral help of a structured settlement . And sometimes structured settlements as requested by the plaintiff or the recipient , in order to curb the taxable income . Often are traded on the right to get the money as part of a structured settlement agreement in the secondary capital market , in order to meet the urgent need for the plaintiff in cash . There are also many people and organizations who buy the rights of a structured settlement . Some organizations and people have a need for the league and a guaranteed flow of cash. It is here , and many of them prefer to buy structured settlements .
How to Buy Structured Settlements ?
 
The best way to buy structured settlements is approaching the broker structured settlements . Make sure that the broker is a member of associations such as the National Association of structured settlement or trade association for planners settlement . You can get a list of all the rights of structured settlements that are available for sale .In order to buy structured settlements , you need to analyze 1 need for periodic cash flows , and the importance of cash flow. There is always a large number of structured settlement rights for sale in the capital market . Thus, it is important to analyze the preferences and the amount of cash flow you need each month . Other factors that need to be considered , is that there are two modes of payments , a fixed structure where the amount that is received is the same, and the second type of payment is applied where the interest rate on the annuity. It is always advisable to check the number of installments such as 3 per cent a year for 4 years , one in each quarter . The second factor you need to consider is the value of each purchase structured settlements and put together , and that you will be paying . As there should be as little as possible from the difference in the value of the purchase of all human settlement and the total amounts of all the settlements that are in the collection .

The last step is to actually buy a structured settlement (s) and the completion of legal proceedings. It is usually advisable to appoint a lawyer or the lawyer who will oversee the legal paperwork to buy.There are many factors that need to be considered after the purchase of structured settlements , such as income taxes , and follow up with the payer , etc. .Source : hsüan gu
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When you sell a structured settlement you get , time value of money
Structured settlements are financial packages or financial agreements that allow to reach a settlement by paying an annual premium by installments regularly scheduled either for a fixed period or for the lifetime of the claimant . Because it is designed specifically for individual cases , structured settlement may also include some immediate payment to cover special needs.
In terms of man's secular , structured settlements are also known as structured settlement annuity insurance structured settlements , settlement and annuity premiums orderly and structured settlement payments.
Structured settlements payments are typically funded from annual premiums , re- insurance , or sometimes the obligations of the Government of the United States. Structured Settlements are mostly from the preparation of the lawsuit settlements and lottery prizes , and gains and casino jackpot insurance payments and settlements contest.
Structured settlements or annuity settlements - when it was created ?
Structured settlements or settlement payments structural inappropriate in all kind of situations. Due to the settlement structures allow funds to grow tax revenues and maintained to meet the financial needs of the future , any issue of liability could be suitable for a structured settlement or structured settlements insurance .
Structured settlements or annuity structured settlements are designed for many kinds of cases, though , including :
- Catastrophic all issues including paralysis , brain damage , severe burns , loss of limbs or severe cases .
- Cases of wrongful death , where you will need a family surviving a regular income to replace the loss of the spouse / parent .
Temporary or permanent disability that will take some time for recovery and wide-ranging .
- Most of the workers compensation cases - most cases with the reserves or the value of $ 00 050 or more, for example, lottery or casino prizes .
- Custody cases where there are minor children or someone else is judged to be incompetent people with disabilities , such as mental or emotional or psychological .
Structured settlements or structured settlement payments - how it was created ?
Structured settlements or annuity structured settlement can form in many different ways , and its structure is mainly determined by the financial needs of the claimant . Is created simpler structured settlements with cash distribution even on temporary given the duration of the agreement. And these could include the settlement payment every month for 15-20 years as an example .
The settlement agreement includes premiums or settlement advanced structural correctly also the time value of money because it is by design , they do not pay interest . Interest is calculated as part of the amount paid . In essence, the settlement includes a fixed interest rate regulator also exempt from taxes altogether as part of the settlement .
The benefits of structured settlement :
Benefits claimants :
1 - Selection : Allows demands an option in the settlement . Can receive benefits based on needs rather than a lump that you should invest in danger , incurring a fee.
2 - Tax: structured settlements or annuity structured to provide cash to the demands that are completely free of taxes owed , whether at the federal level and the state level 3 . Regular payment stream : a structured settlement annuity provides a stream of regular payment of the claim .
4 - safer : securing maximum security , where the annual periodic payments funded or reinsurance issued by the largest , most life insurance companies .
5 - building settlements or settlement payments structural cheaper : Another benefit of structured settlements that are often reached without loss risk and time to go to court.
Benefits for the defense :
1 - fill in the gaps : help bridge the gaps between the plaintiff and the defendant .
2 - reduces litigation costs : for many reasons , will make the defendants who think they can take responsibility for an offer to settle the regulator to reduce their costs.
3 - Reduce the cost of the settlement : Age rating level without significantly reducing the cost of settlement
4 - structured settlements or settlement payments structural cheaper, because they often reached without loss risk and time to go to court.
You can sell structured settlements, settlements or your insurance regulator !
Now you can sell your monthly payments the future of structured settlements and be free of restrictive schedule of cash payments imposed by the settlement of your insurance regulator . There are some companies structured settlements ; that will pay you a large sum of cash now , instead of , you can receive monthly payments for the remainder of a smaller payout .
You might want to sell Structured Settlement or settlements annuity your due to some of the following reasons :
1 - put you life changed since the creation of your own structural adjustment .
2 . You have an emergency or event in your life a special opportunity that requires cash you do not have currently .
3 - you need to start a new business but can not afford the necessary cash .
4 - you need money for a special event in your life , such as the wedding of your child.
5 - you have exceeded your current home but do not know where to find the money to buy a bigger house or add to your existing home .
You also have the choice to sell your settlement annuity or annuity structured to suit your requirements as follows :
- Disbursement of these amounts in full : " full payment " refers to a plan where the individual sells all future payments remaining in the present value discounted lump .
- Partial acquisitions : partial payment refers to a plan where the individual sells a certain number of future payments discounted present value of the payment amount .
- Sharing payment plans : " Payment of common " refers to the plan as part of their friends sell payment (s) discounted future value of this individual remains part .
I personally believe that the most important reason for the sale of Structured Settlement or insurance structured settlements today is that you can take advantage of the principle of financial " time value of money " , which means that the dollar is more valuable to you today than it will be in the future ; You can get your money before killing inflation value.
Dealing with a company structured settlements , which will be structured on the basis of the movement to specific financial requirements and only get a portion of your payment stream what is necessary to meet your needs .
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on الثلاثاء، 4 مارس 2014

The concept, although quite simple, can actually be very confusing for consumers, especially because of false information offered by some debt relief sales people.
The bottom line: Unless exempted by the insolvency rules or another exemption, you will owe taxes on debt that has been forgiven by a creditor. In this article I assume that none of the exemptions apply.
Some of my clients have expressed an attitude of distaste that after finally getting out from under a crushing debt load, they were hit with a tax bill on that forgiven debt. They felt it was a bit unfair and perhaps a little mean spirited by good old Uncle Sam. The aim of this article is not an attempt at a justification either for or against taxing a consumer on a forgiven debt, but simply an explanation to show why everyone’s favorite uncle expects you to pay up when your former lender lets you off the hook.

Why must I pay Taxes on Debt Settlement?

The best way to illustrate this is with an example. You borrow $10,000 from a bank and promise to pay it back with interest. You pay no taxes on that $10,000 because it is a loan and not income. Now your business gets hit hard by the economic downturn and you are no longer able to keep up on your monthly payments. After falling behind several months, the bank offers to accept $5,000 as payment in full and forgive the additional $5,000 that you owed. You accept the deal and receive a 1099-C the following January for $5,000. Why?
When the bank agrees not to collect the additional $5,000 from you, it is going to write it off on their taxes as a loss. This means that that bank will be able to earn $5,000 in tax free income, essentially because it gave the money to you. So if the IRS can’t collect that income from the bank, they are going to go looking to collect it from the person that let the bank off the hook for it.
When you first took out the loan, the money was not taxable because you were going to pay it back. Now that you have been given $5,000 by the bank and no longer have to pay it back, it is no different then getting a second job and earning $5,000 and you would naturally have to pay taxes on that income.
So Uncle Sam is not coming after consumers simply to kick them while they are down. The IRS is simply collecting tax on $5,000 dollars in income that you received from the bank.

To Avoid Taxes on a Debt Settlement should I just never Settle a Debt?

As much as people usually cringe at the thought owing money to the IRS, the decision to attempt to settle a debt with the creditor should not be based solely on whether or not the settlement will result in a tax liability. I am quick to point out to my clients who find taxes on debt settlement to be unfair, that paying taxes on $5,000 dollars will cost them a lot less money then paying the $5,000 in full plus interest over several years.
If you can afford to pay your debts then you should of course pay them. However, if your financial situation has reached a point where you need to look at some drastic options, debt settlement is a good idea to consider. The fact that you may or may not owe taxes on a debt settlement is something that needs to be considered but really only to the extent that the economics of the settlement will still make sense and that you have the funds to pay the taxes when they are due.
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Structured settlements are used for a variety of reasons. The most common is to provide financial compensation over an extended period of time. This could include monetary awards that stem from lawsuits or to payout lottery jackpot winnings.

Structured settlements are commonly used to compensate victims of serious automobile accidents or injuries sustained in the workplace or caused by the negligence of another such as medical malpractice.

When monetary awards are provided through structured settlements, recipients of the funds are referred to as the Annuitant. Payments are guaranteed through an annuity held by a life insurance company and can be paid monthly, quarterly, semi-annually, or annually.

Insurance companies invest annuities to increase Annuitants' financial portfolios. Annuity payments provided to compensate injury awards are tax-free. Annuities provided as lottery winnings may be subjected to state and federal taxation.

Considerable flexibility exists when establishing structured settlements. Payments can be arranged to meet the Annuitant's financial needs. If Annuitants require special medical procedures, structured settlements can be arranged to pay additional funds to cover expenses.
Or, if Annuitants will retire within five years, but receives annuity payments for life, structured settlements can be established to provide additional funds at retirement. Once structured settlements are in place terms cannot be changed without court authorization.
The duration of structured settlements is determined through the courts or representing lawyers. Medical injury compensation is often settled out of court. Lottery winnings compensation is regulated by state lottery boards.

Structured settlement annuities might be paid for a predetermined time period or for life. However, "life" may actually refer to a specific number of years based on life expectancy of Annuitants.

When Annuitants are compensated for a specific period of time, payments are referred to as 'period certain annuities.' If Annuitants die before structured settlements are paid in full, remaining payments can be assigned to a beneficiary.

Annuities paid for life are referred to as life annuity structured settlements. Also known as 'period certain', life annuity settlements allow Annuitants to designate a beneficiary who receives remaining payments in the event of death.

A less common structured settlement is known as 'lump sum' annuities. This type of structured settlement provides a lump sum payment in the future and is well-suited for settlements involving minor children. The settlement can be structured as a 'lump sum' which allows transfer of annuity payments to a beneficiary, or as 'life contingent lump sum' which does not allow assignment of beneficiaries.

Two additional structured settlements include 'life annuities' which pay annuities for life, and 'temporary life annuities' which pay consistently for a specific number of years. With life annuities, Annuitants can elect 'life only' which offers no provision for assignment of beneficiaries, or 'joint survivor' which pays one beneficiary for the remainder of their life. Temporary life annuities end when Annuitants die and do not allow assignment of beneficiaries.

As you can see, there are many ways to use structured settlements. If you are entitled to monetary compensation due to injury or for lottery winnings, consult with a lawyer to determine which method provides maximum funds and minimal tax consequences.

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Structured settlement annuities are complex products, paid out to injured parties in lieu of one large lump sum. They are unique in that the the payee never owns the annuity; the defendant's insurance company does. In the case of a catastrophe like ELNY, the payee's ability to continue receiving payments is determined by the type of annuity the insurance company has purchased. The case study below illustrates the many variables involved.


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One new type of funding that we offer here at LawSuit Funding Solutions is Settlement Funding.
Most plaintiffs assume that when their case settles or receives a judgment they will receive their proceeds immediately. Unfortunately, that is not the case. Receiving your proceeds can take anywhere between 30 to even 180 days, especially when a trust is being set up. It can be a very frustrating process to receive these funds after waiting years to win a case. 

LFS can help. We offer the lowest rates out there for settlement cash advances. After a plaintiff wins their case, LFS will advance them up to 15% of what the settlement award is. For instance, if your case settles for $100,000, LFS will advance you $15,000 now. When your attorney receives the settlement, LFS will be paid back our principal plus interest owed. 

A settlement advance is a great way to help a plaintiff out with their short term cash needs. But, as always, with cash advances, the amount a plaintiff will owe can be expensive. Yes, we offer the lowest rates out there but 2% on $15,000 is $300 per month. Make sure you need a cash advance before you decide to take one. 

Call LawSuit Funding Solutions today if you need a settlement cash advance. Best way to reach us is 215.599.6545.
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If you have been involved in a personal injury lawsuit and need some financial assistance, getting a lawsuit advance is a great option. 

A lawsuit advance works a little bit different than a bank loan. With a bank loan you apply for the loan and the bank will look at your credit score and collateral and decide if they can lend you money and how much. In today’s markets, it’s pretty tough to get a loan from a bank unless you want to sign personally. Everything has to line up perfectly for the bank to step up and lend money which is why a lawsuit advance makes a lot of sense in some situations. With a lawsuit advance, the only thing (collateral) required to get funding is a good case. And the great thing about a lawsuit loan is if you end up losing your case, you owe nothing back. With a bank loan, if you end losing, the bank will go after your home, car, etc. With a lawsuit advance, LFS is taking a bet on your case and your case winning. If you lose the case, you keep the money you borrowed from Lawsuit Funding Solutions. 

The amount Lawsuit Funding Solutions can lend you is based on the strength of your case. If you have a good case and have a strong attorney/firm, you are likely to qualify for a lawsuit loan from LFS. The way LFS determines how much we can lend is based on how much our underwriters believe your case is worth. For instance, if we believe your case is worth $100,000, then the loan amount would range from $5,000 to $15,000, or 5% to 15% of the case’s value. In most cases, the cash advance process is fast and easy and is usually completed within 48 hours. 

Then why would anyone ever get a bank loan over a lawsuit advance if everything points to a lawsuit advance being 100% easier. Simple, bank loans are a much cheaper option. Read my other blogs and you can see that lawsuit advances aren’t cheap. The national lawsuit lenders don’t want me to tell you that but it’s true. Lawsuit Funding Solutions charges between 2-3% per month and we are the cheapest option out there. Some of the national companies will charge rates from 4-9% per month!!!! Make sure you check what you are getting charged before you sign anything. 

But, not everyone will qualify for a bank loan especially in the current banking world we live in. Therefore, if you need money to pay the rent, mortgage, expenses, kid’s tuition, then call us or fill out our simple 1 page application. Lawsuit Funding Solutions is here to help. Ask us any questions you may have. We would love to make your life easier in your time of financial need.
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Could be the time to win a case for the Alllgaah prosecutor and his / her lawyer . Prosecutors can now look forward to getting their lives and use the proceeds from the issue of planning for their future . But, what happens when you decide to insurance companies and the defense to challenge the ruling. Now prosecutors are placed all the way back to the beginning , where the decision can now take another year or even longer . This delay in obtaining a final judgment or settlement can be a significant pressure on the financial situation of the family.
What can you do in a situation where the family has a case now months if not years to get resolved ? Company may be the perfect solution lawsuit funding . Lawsuit Funding Company can help the family get financial assistance now while they wait for the appeal to completion. This financial assistance can help pay for expenses such as monthly mortgages and rent and bills, etc. This will help the financial assistance to the family to relax while they wait for the settlement of their lawyers or get a ruling on their case , for the 2nd time .
Calling the lawsuit financing solutions today while you wait for the settlement of the issue and see if we can help you.
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As the legal profession and wider society continues to adapt to the Jackson Reforms, this infographic from Vannin Capital highlights the important role that third party litigation funding plays in the civil justice system.






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 What is a Structured Settlement Annuity ?

If you ever watch any TV, you’ve likely seen a commercial advertising something to the effect of: “It’s your money and I’ll help you get it now!” These commercials are advertising structured settlement buyouts to people who were awarded structured settlement annuities to get more money in their pocket instead of waiting for periodic payments.

Structured Settlement Annuities

A structured settlement annuity tax free way of providing money to a victim who was injured in an accident and is no longer able to work. These are usually awarded to settle a case out of court. Instead of paying all of the damage is the case at once, the annuity is purchased to allow periodic payments for a predetermined amount of time to help support the victim through the recovery process.
If you’re injured in a car accident and no longer able to work, you can sue the driver who caused the accident. Rather than suing the driver, you’re actually suing the insurance company who provides his or her liability insurance.
  • The driver’s auto insurance company purchases an annuity for the amount you settle for, from a life insurance company.
  • The insurance company owns the annuity and names you as the annuitant, or the beneficiary of the annuity.
  • The annuity gives you payments as per the agreement. Sometimes the annuity will have cost of living increases built in, to help the money continue to provide support for years to come.

What are the Features of a Structured Settlement Annuity?

Structured settlement annuities are tax-free income disbursements.These annuities are funded by large, well-financially backed insurance companies, so the recipient typically does not have to worry about what will happen to the settlement if the company who funds it goes out of business.
Structured settlement agreements must be approved by the court to protect the plaintiff. Features will vary depending on the insurance company that buys the annuity, and where they buy it from. Some of them will offer a lump sum payment in conjunction with periodic payments, while others will offer periodic payments that increase or decrease over time.

Lump Sum vs. Periodic Payments

Lump sum means you’ll get a percentage of your settlement on a certain date. Periodic payments mean you will get a certain amount of money every month for a certain number of years (sometimes for life) as per the annuity agreement.

Can I have a lump sum and periodic payments?

Yes, some annuities do allow for this. The lump sum is given at the beginning to help you with legal fees and medical bills, while the periodic payments are intended to support you while you cannot work.
If you have any questions or concerns about structured settlement annuities, talk to an experienced lawyer in your area. If you already have one and are interested in selling all or part of your remaining payments for a lump sum of cash, then you will still need to talk to a lawyer, because all transfers of annuities must be approved by the court.
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Structured Settlement Annuities

We are now offering In-Force, Structured Settlement Annuities.  These annuities offer a simple and affordable way for buyers to meet financial goals, such as saving for retirement or a child’s education or improving overall returns on a balanced portfolio.  They are not widely known to the general public nor are they generally accessible.  As such, they provide a limited opportunity to sophisticated investors to invest in safe, fixed return annuities at superior rates of interest.
Click here to view our most recent offering list.
What is a Structured Settlement Annuity?
A Structured Settlement Annuity ("Annuity") is a contract issued by an insurance company as part of a structured settlement to fund the payment of damages for personal injury over a period of time. It guarantees the holder or annuitant a payment stream over a fixed term at a fixed rate of interest. Unless otherwise specifically stated the Annuity is paid regardless of whether the measuring life is alive or deceased, meaning these payments are NOT life contingent.  Structured Settlement Annuities are sold by structured settlement annuitants to a broker at a discount in exchange for a lump sum payment. The broker, in turn, offers these Annuities for resale at a fixed rate of interest and fixed term to astute buyers such as you.
 
Who makes the payments?
Each Structured Settlement Annuity that we offer is paid directly to you by a U.S. based Insurance Company with a credit rating that is generally AAA to A rated by Standard and Poor’s.
 
How is the Interest Rate determined?
The interest rate for each Annuity is determined by the market, what a buyer is prepared to accept as a return on their purchase taking into consideration the annuity attributes such as the annuity term, insurance company credit rating, and average life. Generally the market interest rate is much higher than that offered on traditional annuities with the same attributes paid by the same insurance companies directly.
 
The interest rate for each Structured Settlement Annuity is represented as an “effective rate”—compounded annually based on a 365 day year. This is standard practice in the annuity industry. Interest rates are recorded to an accuracy of 2 decimal places (e.g. 6.14%).
 
Why are Interest Rates on the Structured Settlement annuities higher than those offered by Insurance Companies Direct?
The rate of return on a Structured Settlement Annuity is typically higher than the rate available for a comparable annuity purchased direct from the issuing insurance company for two reasons:
  • The Annuity has been “previously owned” with attributes such as payment term, payment amounts and average life that cannot be changed.
  • Because the broker purchases the Annuities at discount prices from existing annuitants, it can pass along these preferred rates to its buyers.
 
What is the typical Structured Settlement Annuity term and investment amount?
The present value of an Annuity generally ranges between $50,000.00 and $150,000.00 but can be higher or lower. Investments of this size tend to appeal to high net worth buyers. Terms can range from 1 to 35 year terms, but are typically 5 to 20 years.  They can provide lump sum payouts, monthly or yearly income payouts, or a combination of both.
 
What are the Benefits of Investing in Structured Settlement  Annuities?
It is generally considered to be a good vehicle for conservative buyers. Monies are invested by the insurance company primarily in government securities and high-grade corporate bonds, and they offer guaranteed interest rates. Because we only offer annuities paid by insurance companies with among the highest Standard and Poor’s credit ratings, the annuities are among the safest form of fixed term financial products available today.
 
Structured Settlement Annuities can provide above average returns for the fixed income portion of a balanced portfolio. Because the typical return of fixed income products is often below average, these Annuities can boost the overall portfolio performance by enhancing this lowest performing segment.
 
What are the Risks?
Like all financial products, Structured Settlement  Annuities are not risk free and every buyer must determine whether a such an Annuity meets their risk tolerance and financial objectives. The risks associated with these Annuities are:
  • The security of the Annuity is directly related to the financial health of the insurance company that issued the annuity and its ability to pay claims and to the terms of the court order that accompanies each transaction.
  • The Annuities are not deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency. They may be partially guaranteed by State Guaranty Associations but we make no representations or warranties in this regard.
  • The Annuities are subject to interest rate risk. Market interest rates may rise while the rate of return on the annuity is locked in. Fixed income products with longer terms to maturity are usually more sensitive to changes in interest rates. One method of hedging interest rate risk during a volatile rate period is to build an annuity ladder by buying a series of annuities over an extended period of time thereby rate averaging the changing interest rates.
  • The Annuities are monetized in U.S. Dollars. Foreign buyers may be subject to currency exchange risk.
  • The Annuities must be held to term and therefore are not liquid investments.
Give us a call for your free informational Buyers Guide or with any questions you have - we will be glad to show you how this unique product may benefit your portfolio.

LEGACYNH 

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Structured Settlement Purchase

Why would a company want to purchase a structured settlement from a person receiving regular installments in compensation for a personal injury? The answer is clear: the company is guaranteed a steady, safe cash flow that is generally not taxable in return for a lump sum of money of about half the value of the full-term settlement. When companies buy a structured settlement they are always getting the better end of the deal, no matter how appealing the quick cash may seem to the seller. These companies are generally not out to make life better for injured persons, but instead are seeking to profit from those persons' pressing financial needs or eagerness to be free from what may seem to many like an allowance. This is why persons wishing to sell settlements need to be very, very careful about who they sell those settlements to.
First of all, exactly what are structured settlements and how do such arrangements work? When a person wins a lawsuit based on worker's compensation, personal injury, or medical malpractice, often the court will rule that compensation be paid in installments, either in small, regular amounts or a few lump sums over the years. Often, these payment plans will cease upon the death of the payee, whether or not there are dependents involved. Before accepting a compromise, injured persons need to work closely with lawyers to ensure that the settlement is going to benefit them to the fullest possible extent in order to prevent future financial distress and the loss of well-deserved compensation. This careful planning will prevent the undesirable necessity of finding a company to purchase a structured settlement from its possessor when he finds that waiting for a monthly check isn't a tolerable system. 

If, however, a person has already settled a legal case and finds that the periodic payment plan is not working for him or decides that larger amounts of money are needed immediately in order to purchase medical equipment, a customized vehicle or home to accommodate injuries, or similar items, or does not expect to live long enough to benefit from long-term compensation, may want to consult various companies that offer to buy a structured settlement. Such companies will allow him to sign over annuities in exchange for immediately accessible cash. Persons considering this option should know that while their annuities are not subject to taxation, the lump sum received from a third party may very well be, causing them to lose even more well-deserved money. This is a decision that requires long, hard thought and should not be entered in to hastily or lightly, as its consequences can be disappointing at best and catastrophic at worst. If a person is confident in his investing and money-handling skills, he might be able to pull off the sale of his annuities aptly, but this is not always the case.

In general, this option is a very bad investment decision, as it is possible to lose up to half of one's settlement money in the process. Plus, persons on a periodic payment are often unable to work and need the regular installments to meet their daily needs; if these payments cease and the person is unable to support himself by working due to injuries, his financial need will be much greater than before a company agreed to purchase a structured settlement from him. A Biblical proverb sums up this situation very well: "The simple inherit folly, but the prudent are crowned with knowledge" (Proverbs 14:18). This is a financial decision that could end in folly, especially if rushed into without sufficient forethought and good legal advice.

If a person is absolutely sure that finding a company to buy a structured settlement from him is the most viable option, there are a few ways to ensure that the owner receives the very best deal. First, he should compare quotes at different settlement companies to see which is going to give him the highest payoff with the fewest risks; many online companies allow customers to get a free quote over the Internet. Next, he should be sure that the chosen company has a good reputation for paying its customers in-full and on time and that it is well-funded, licensed, and insured so that it doesn't go bankrupt and leave him with nothing. After selecting a trustworthy company, the person should consult a lawyer to ensure that proceedings are in his favor and that the sum received in return for annuities is reasonable and fair; he may choose to sell the entire settlement or only a part of it--the latter, of course, is the best choice. By following these steps, selling one's settlement may be a safe, prudent, and beneficial option for a person in financial distress.

It is important to know that selling one's annuities is not always a possibility. About one-third of states have laws that do not allow businesses to purchase a structured settlement, and some insurance companies are not willing to transfer annuities to another entity. In this case, a person will have to find another solution for their financial needs besides selling. Persons who are unsure whether their state of residence restricts such sales should consult a lawyer for advice. For the other two-thirds of the country, however, finding a company to buy a structured settlement is a feasible, if not advisable, option--a last resort for the financially stressed, sure to offer immediately accessible funds in a very short time frame.
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Structured Settlements


You see them everywhere.  Their commercials are on the television.  Their ads are in print.  Their banners show up online every now and again. 
They are the companies that buy structured settlements.  Over the past few years, their presence has skyrocketed to the point where they nearly feel unavoidable.  And with each passing year, there seems to be even more of their kind hitting the market.  But why?
In order to fully answer why there are so many companies that buy structured settlements out there, you should first have a grasp of what exactly is a structured settlement.
A structured settlement is a court-based financial arrangement where a person receives a fixed series of payments over a designated period of time.  It is designed to provide a person a steady stream of money over time instead of a lump sum of cash all at once.
However, there is enough wiggle room within a structured settlement that enables a person to sell it to companies that buy structured settlements in exchange for a lump sum.  This transaction is governed by various court regulations such as the Structured Settlement Protection Act which state that the transaction cannot be completed if the person intends on using the lump sum for frivolous means.
Very Popular
Even with the stringent legal rules in place, the notion of selling a structured settlement to a secondary buyer has become increasingly popular for two major reasons:
  • Economic downturn – Even though the country has been showing signs of coming out of economic struggles, the financial woes of the past few years – high unemployment, underemployment, and the housing bubble burst come to mind – continue to manifest today.
  • Lump sum usage – Despite the use restrictions, there are still plenty of solid uses for a lump sum structured settlement payment to be utilized.  A person can use it to pay off an overwhelming amount of credit card or student loan debt, to take care of unexpected funeral costs that might have cropped up, or to pay off unpaid medical bills that spring up in the wake of an unexpected emergency.
In essence, the proliferation of these companies can be explained by the laws of supply and demand.  As more people had gotten in financial dire straits, the need to sell structured settlements as a means to obtaining an out became more prevalent.  And studies show that the industry is still rock solid even as the economy recovers, as it currently enjoys a billion dollar status.
With all that said, the question remains:  Is contacting one of these companies that buy structured settlements the right call for you, should you have a structured settlement and are in a financial bind?  Truth be told, there is no right or wrong answer to this inquiry.  It truly depends on a host of different factors that vary from individual to individual.  Your best bet to see if it the proper procedure for you is to contact a financial expert or advisor.


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structured settlement
 
If you find that you are thinking to yourself, “I should sell my structured settlement for cash”, you should know that the process usually takes two to three months. Though, in some cases, Strategic Capital has completed a purchase in as little as 18 days! So, while the process involves a number of steps, there are ways to speed it up. With Strategic Capital most of the steps are done for you, but some of the work can be done by nobody except for you .

Most of the steps in the process are common to any person who has wondered about how to “sell my structured settlement for cash”, no matter how much your payments are or where you live. Of course, your Strategic Capital expert can give you the details that are specific to you, but the graphic below shows you the general process that you will go through in selling your settlement. The graphic is followed by a list that provides just a bit more detail without the visuals :



  1. The first step after you wonder “can I sell my structured settlement for cash” is when you contact some factoring companies and get a competitive quote. Be sure to choose a company that is reputable and that you feel comfortable with. You should compare quotes from multiple companies and make an informed decision of who to work with.

  2. Once you contact Strategic Capital, one of our structured settlement experts will contact you. They will ask you some questions to better understand your needs and to get all of the details of your settlement. It is important that you are honest and forthcoming as this information is used to provide your specific quote and begin filling out any legal paperwork that is needed should you decide to sell.

  1. You will then receive an official quote from the company which should detail all fees and the net lump sum payment to you should you sell. Ensure that you understand the quote and ask any questions that you have. Ensure that you compare the net lump sum price, AFTER all fees, between any competing quotes that you get.

  1. The company will then send you copies of all disclosures and contracts to sign and send back. Want to know, “what can I do to sell my structured settlement for cash faster?” The more quickly you return signed paperwork, the faster you will get your money.

  2. The factoring company’s lawyer will begin filing documents on your behalf. These will be legal documents filed with the court; they will be the same documents that you reviewed and signed. The lawyer will contact you if any additional information or signatures are needed.

  3. A hearing will be scheduled with your local court. The factoring company’s representative will inform you of the date and tell you how to prepare for your hearing. They can also tell you what to expect at your court hearing.
  4.  
  5. The judge will then approve and sign your sale order; in rare situations your sale may be denied at this stage, but this rarely happens with Strategic Capital..

  6. The approved sale order will be sent to the insurance company that pays your annuity and their acknowledgement will be requested.

  7. Soon after you will receive your funds from the company who is buying your payments and the company will start to receive your payments instead of you.
"cash structured settlement "

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The World Global Settlement Funds 


(AB noteThe World Global Settlement Funds, referenced on this page, should not be confused with the SG World Trust.  The World Global Settlement Funds have in excess of $47 trillion to disburse to 140 nations across the globe. This due and lawful disbursement has been blocked by the Washington DC private corporation for more than three decades. The SG World Trust is much bigger, and older, than The World Global Settlement Funds .)

 

On this page, we deal with The World Global Settlement Funds (WGSF) at the top here. Lower down the page, we offer some background comments about the related Iraqi Dinar Revaluation story. Another closely related and urgent issue, Global Debt Forgiveness, is addressed on a separate page . And some geopolitical background to the recent securance of the codes for the Global Collateral Accounts is outlined here(12.09.11). 

On the morning of Tuesday 9th August 2011, a SWIFTnoticed transfer of World Global Settlement payouts from Brussels to the US was intentionally stopped by the Obama White House. This unlawful interference led to Pasadena-based attorney, Al Clifton Hodges, writing a letter of information and protest to Manuel Sager, the Swiss Ambassador to the US. Switzerland is a World Court Lien Holder nation. There is currently a $47 trillion Lien in operation against the US Treasury and the US Federal Reserve Board

Clifton Hodges is counsel for Michael C. Cottrell. Cottrell is in charge of the $10 trillion-plus US Dollar Refunding Project and is a WGSF Basel list payee. The USDRP, like the (official) Iraqi Dinar Revaluation Project, is part of the World Global Settlements refinancing programme.

The full text of Al Clifton Hodges' Swiss letter of the 9th August 2011 can be read here. It was copied to Michael Cottrell, Lindell H. Bonney Snr ($14 trillion WGSF Authorized Signatory and Paymaster), Christine Lagarde (IMF), Chinese President Hu Jintao (Lien Holder), Queen Elizabeth II of England (Lien Holder), French President Nicolas Sarkozy, and theWashington DC private corporation president, Barack Obama. On the second page of his letter, Clifton Hodges refers to duly authorised Interpol agents currently present and active in the US on WGSF-related business.

On the evening of Thursday 28th July 2011, Barack Obama, the President of the United States, informed the World Court at The Hague that as long as he was President, he would not sign off on the World Global Settlement Funds. More background (28.07.11).

Obama's refusal to lawfully execute his responsibilities in this specific followed upon the wide circulation of a letter dated 7th July 2011, from Lindell Bonney to Dana Wilcox . The financial data set out in this letter showed that the US income taxes expected to be paid to the US Treasury from just four of the World Global Settlement Fund-related recipient-paymasters would amount to a sum in excess of $11 trillion. This would be sufficient to pay off most of the US national deficit and would pump-prime the US Dollar Refunding Program.
 

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As intriguing football matchups go, Sunday’s Super Bowl has nothing on one looming down the turnpike in federal court in Philadelphia — with Judge Anita B. Brody the ultimate referee.

Brody, considering the N.F.L.'s recent settlement with 4,500 retirees over work-related brain injuries, has asked both sides to demonstrate that their $765 million bargain will fulfill its promise to compensate every currently retired player who has or will develop a neurological condition such as dementia or Parkinson’s disease.


Lawyers for the plaintiffs and the N.F.L. said independent actuaries and medical experts had endorsed the terms of the settlement. But the lawyers refuse to share any of their data with the public to help substantiate how they arrived at the $765 million figure, and there is growing displeasure among plaintiffs who have not been allowed to see the data, either.

Numbers can speak for themselves, though, and they bring a clear warning: The $765 million could run out faster than either side apparently believes. When one forecasts how many of the roughly 13,500 currently retired players may develop these conditions over the next 65 years, compensating them as the settlement directs could very well require close to $1 billion, and perhaps more.

No one can divine how many players will develop these conditions. But the best data available comes straight from the N.F.L., and it becomes instructive after some basic guidelines.
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LawLeaf a leading online pre settlement funding service provides legal cash advancements throughout the United States. Plaintiffs in Arlington, TX, Minneapolis, MN & Miami, FL all accepted pre settlement advancements today. Two of the clients accepted personal injury funding, one for a premises liability slip & fall and another for a motor vehicle accident. The third client secured a structured settlement advance. Each day, LawLeaf processes countless amounts of applications from plaintiffs located throughout the United States. If you are currently searching for a company that offers pre settlement funding begin by applying online with LawLeaf today.

LawLeaf's service has become one of the leading venues in securing pre settlement funding and structured settlement purchases on the Internet. LawLeaf works with a network funding institutions that are work directly with our clients, attorneys and our company. If you are currently searching for a company that offers pre settlement lawsuit funding services throughout the United States and provides personalized services to each client, begin by visiting LawLeaf today.

*LawLeaf provides pre settlement funding, commercial litigation financing, structured settlement payouts (full & partial) and attorney funding. Our lenders all provide non recourse funding meaning if you lose your case you don't have to repay the lawsuit loan.
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There is a distinct reason why more plaintiffs are choosing pre settlement funding with LawLeaf. LawLeaf is a pre settlement lawsuit funding company that thrives on providing plaintiffs with faster approvals and competitive rates for personal injury and commercial litigation claims. The lawsuit funding industry although becoming more popular is still in its infancy stage. There are dozens of companies that will provide pre settlement funding to plaintiffs however very few will offer the array of options that LawLeaf can offer. If you are searching for pre settlement funding begin visiting LawLeaf today.

Pre Settlement funding is a very targeted industry. There are some companies that will provide funding for personal injury claims or commercial litigation claims, while others are only interested in purchasing an annuity from a structured settlement. There some companies interested in funding catastrophic injury claims while others will also look at soft tissue injury. Due to the preferences of these companies it can sometimes be hard to find the right company to provide you pre settlement funding against your pending lawsuit.

At LawLeaf we provide our clients the ability to borrow against most personal injury and commercial litigation claims regardless of the case and injury; we can also provide annuitants the option of selling part or their full structured settlement annuity. We can handle both catastrophic injury and soft tissue claims. LawLeaf as a company has an uncanny ability of finding funding for cases that most companies won't touch. In fact many of our clients have reached out to LawLeaf because we have the experience in getting tough cases funded.

If you have recently won your case and searching for an advance because you can't wait for payment LawLeaf can work with you. We also have experience in getting some clients second rounds of funding for claims that have already been funded by another company. You may have worked with LawLeaf in the past or secured funding through another source. We have been successful in getting some clients second and third rounds of legal funding through our service.

LawLeaf is able to do this faster and at a competitive rate because we work in quantity. Consider the following: You are in dire need of money and having a hard time getting a call back from a pre settlement funding company. Perhaps the company is not interested in your type of case or the amount of the request. You may be waiting days before you finally reach a representative only to find out they can't provide you pre settlement funding against your lawsuit. Because LawLeaf provides a full range of pre settlement funding products we always provide an immediate response to our clients request regardless of the case type or request amount.

LawLeaf has gained the reputation of offering plaintiffs great customer support because we are able to work with most clients regardless of the lawsuit. Our only requirement is you are the plaintiff in the lawsuit and you have the representation of a lawyer.

If you want to be backed by a company that puts your interests ahead of its own, begin by applying online with LawLeaf today.
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If you are a plaintiff in a personal injury or commercial litigation claim and searching for legal funding, begin by applying online with LawLeaf. LawLeaf is an online legal funding company that provides plaintiffs with more competitive rates and faster approvals against a pending or already settled claim.

Legal funding is used by some plaintiffs as a way to hold out for larger settlement offers. Legal funding is a fairly new concept within the legal industry. If you were a plaintiff several years ago you may have dealt with insurance companies and defense teams that understood the financial alternatives were non existent. If a plaintiff had an immediate financial need they would be more willing to take a smaller settlement offer. The legal funding industry has become more popular amongst plaintiffs unwilling to settle for less than fair compensation. Plaintiffs now have a viable option to taking the first settlement offer. Insurance companies are now put into the position of settling the case for fairer compensation or chancing the claimant will secure legal funding extending their legal fees for a claim.

At LawLeaf we understand the importance of pre settlement legal funding because it's a tool that can be used to evening the playing field. When a person is hurt physically or financially from the negligence or wrongdoing of another person, they should have the opportunity to be compensated fairly for their loses. When the defense is unwilling to pay the plaintiff for damages he or she rightfully deserves some people will secure legal pre settlement funding while their attorney fights for fairer compensation.

Legal funding can help plaintiffs pay for medical bills, rent, house payments, food and other expenses while waiting for their settlement to come through. It can be secured before or after a claim has reached a settlement. In fact if you secure pre settlement legal funding and you lose your case, you don't have to pay back our lenders.

If you are currently searching for pre settlement legal funding begin by applying online with LawLeaf today. We are ready to partner with you.

If you have questions regarding lawsuit funding, begin by visiting us online.
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If you live in Alabama and searching for pre settlement funding contact LawLeaf today. LawLeaf is a leading pre settlement funding company that provides advances to clients located throughout the state of Alabama. The company provides some of the best rates and fastest turnarounds within the litigation financing industry.

Alabama pre settlement funding is often used by plaintiffs that are locked into a pending claims and need money to help relieve them from financial obligations brought on by long and drawn out lawsuits. Pre settlement funding in AL can be provided on a contingency fee basis. This is referred to as non recourse. A non recourse loan provides the plaintiff with an advance that will only be paid back if the outcome of the lawsuit is successful.

What can LawLeaf offer you?

LawLeaf receives hundreds of applications weekly from plaintiffs located throughout the United States. We bring a wealth knowledge and experience in the litigation financing industry. If we decide not to fund the case in house we will select an underwriter(s) who we feel can best assist you in the pre settlement funding process. Our selection criteria is based upon those firms that have proven to provide the best rates and fastest turnarounds within the industry.

LawLeaf can provide pre settlement funding for personal injury and commercial litigation claims. Unlike most firms we can assist you in the pre settlement funding process for both soft tissue and catastrophic injury. We have no limit on the amount of money you can borrow. We can provide pre settlement funding to clients for as little as $500.00 and into the millions.

If you live in Alabama and searching for pre settlement funding contact us today.

For additional information on Alabama lawsuit funding, visit LawLeaf today.
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If you are living in Alaska and searching for pre settlement funding against a lawsuit, contact LawLeaf today. LawLeaf is a leading Alaska pre settlement funding company that provides advances to clients located throughout the state. The company provides some of the best rates and fastest approvals within the litigation financing market.

Alaska pre settlement funding is used by plaintiffs that have pending claims and need cash to help relieve them from financial obligations brought on by long and drawn out lawsuits. Pre settlement funding in AK can be provided on a contingency fee basis. This is commonly referred to as non recourse. A non recourse lawsuit loan provides the plaintiff with an advance that will only be paid back if the plaintiff is success in winning the case.

What will LawLeaf offer you?

LawLeaf receives hundreds of applications weekly from plaintiffs located throughout the United States. We bring a wealth knowledge and experience in the litigation financing industry. If we decide not to fund the case we will select an underwriter(s) who we feel can best assist you in the pre settlement funding process. Our selection criteria is based upon those companies that have a proven track record in providing the best rates and fastest turnarounds for your selected case.

LawLeaf can provide pre settlement funding for personal injury and commercial litigation claims. Unlike most firms we can assist you in the pre settlement funding process for both soft tissue and catastrophic injury lawsuits. We have no limit on the amount of money you can borrow. We can provide pre settlement funding to clients for as little as $500.00 and into the millions. There is no case to large or too small.

If you live in Alaska and searching for pre settlement funding contact us today for a free consultation.

For additional information on Alaska lawsuit funding, visit LawLeaf today.
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If you are living in Arizona and evaluating pre settlement lawsuit funding against a lawsuit, contact LawLeaf today. LawLeaf is a leading Arizona pre settlement funding company that provides cash advances to plaintiffs located throughout the state. The company provides some of the best rates and fastest approvals within the pre settlement funding marketplace.

Arizona pre settlement funding is used by clients that have pending claims and need cash to help relieve them from financial obligations brought on by long and drawn out lawsuits. Pre settlement funding in AZ can be provided on a contingency fee basis. This is commonly referred to as non recourse. A non recourse lawsuit loan provides the plaintiff with an advance that will only be paid back if the plaintiff is success in winning the case.

What will LawLeaf offer you?

We receive hundreds of applications weekly from plaintiffs located throughout the United States. We bring a wealth knowledge and experience to the litigation financing industry. If we decide not to fund the case we will select an underwriter(s) who we feel can best assist you in the pre settlement funding process. Our selection criteria is based upon those companies that have a proven track record in providing the best rates and fastest turnarounds for your selected case. If you need pre settlement funding begin by applying online or contacting LawLeaf today.

Providing Pre Settlement funding in Arizona

We can provide pre settlement funding for personal injury and commercial litigation claims throughout Arizona. Unlike most firms we can assist you in the pre settlement funding process for both soft tissue and catastrophic injury lawsuits. We also have no limit on the amount of money you can borrow. We can provide pre settlement funding to clients for as little as $500.00 and into the millions. There is no case to large or too small.

If you live in Arizona and searching for pre settlement funding contact us today for a free consultation.

For additional information on Arizona lawsuit funding, visit LawLeaf today.
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At LawLeaf we provide pre settlement funding for clients located throughout Arkansas. If you are living in Arkansas and evaluating pre settlement funding against a lawsuit, contact LawLeaf today to begin the process. LawLeaf is a leading Arkansas pre settlement funding company that provides cash advances to plaintiffs located throughout the state. The company provides some of the best rates within the pre settlement funding marketplace.

Arkansas pre settlement funding is used by clients that have pending claims and need cash to help relieve them from financial obligations brought on by long and drawn out lawsuits. Pre settlement funding in AR will be provided on a contingency fee basis. This is commonly referred to as non recourse loan. A non recourse lawsuit loan provides the plaintiff with a lawsuit cash advance that will only be paid back if the plaintiff is success in winning the case. In the plaintiff happens to lose the case or the claim never reaches a settlement, the client owes nothing.

At LawLeaf, we receive hundreds of applications weekly from plaintiffs located throughout the United States. We bring a wealth knowledge and experience to the litigation financing industry. If we decide not to fund the case we will select an underwriter(s) who we feel can best assist you in the pre settlement funding process. Our selection criteria is based upon those companies that have a proven track record in providing the best rates and fastest turnarounds for your selected case. If you are searching for a company that can provide you with pre settlement funding when you need it, contact us today.

Providing Pre Settlement funding in Arkansas

We can provide pre settlement funding for personal injury and commercial litigation claims throughout Arkansas. Unlike most firms we can assist you in the pre settlement funding process for both soft tissue and catastrophic injury lawsuits. We also have no limit on the amount of money you can borrow. We can provide pre settlement funding to clients for as little as $500.00 and into the millions. There is no case to large or too small.

If you live in Arkansas and searching for pre settlement funding contact us today for a free consultation.

If you are searching for additional information on Arkansas lawsuit funding, visit LawLeaf today.
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