Nine Things you should know about Cashing in your Structured Settlement

Are you currently receiving a structured settlement payment? Are you considering selling them? If so, then there is some important information that you should know before you decide to sell.

A structured settlement is where the beneficiary of money receives payments of a set amount for a set amount of time. This time can be anywhere from months to years. There are many times when the beneficiary of the structured settlement payments may choose to sell their structured settlement payments.

Here are nine important details that you should know before you decide to cash in your structured settlement payments.

1. When choosing to sell your structured settlement payments, you have the option of selling all of them of just a few of them. For example, if you need to have access to $20,000 but have a total of $150,000 in payments available to you, you have the option of only selling the $20,000 worth.
2. When you sell your structured settlement payments any monies that you receive from this is tax free. Any taxes that are imposed on this money is the responsibility of the buyer.
3. If you decide to sell any or all of your structured settlement payments, they are sold at a discount.
4. Once your selling process has begun, you can expect the process to be completed between four to sixteen weeks. On average most people will receive their money in about eight weeks.
5. You should take into account inflation, and how it can affect your payments. If you are receiving a payment of $2,000 a month, for the time being that sounds like it will be plenty. But what about five years from now? Remember, your payments will stay the same regardless of inflation.
6. Many people are under the impression that selling their structured settlement payments is illegal. That statement is false. There is nothing illegal involved in this transaction. Many contracts say on them that they can not be bought, or transferred. That is there for the protection of the buyer, and can be legally maneuvered easily.
7. You should do your own independent research on any type of company with whom you are considering selling your structured payments to. It is important that you are dealing with a legitimate, and honest company.
8. There are different types of structured settlement payments that may be sold. These types of structured settlement payments include: lottery payments, payments for an injury that are court ordered due to a disability, and life insurance payments.
9. When you sell your structured settlement payments you are protected if the payer of the payments goes bankrupt, or defaults in anyway on the payments that you are to receive. After you sell your payments they become property of the buyer. Therefore if the payer does file bankruptcy or defaults on the payments it will not have any effect on you at all.

As with any financial decision, it is best to meet with a financial advisor before making any final decisions regarding your structured settlement payments. A financial advisor can help you make the correct decision when you are considering selling your structured settlement payments

Structured Settlements, Annuity and Lottery Payments: How to get your money now!

Thousands of Americans collecting structured settlement, annuity, or lottery payments don't want to wait months or even years to get their money. For recipients who do not want to wait on periodic payments or for those whose circumstances have changed and need money now, there are many companies that will buy your future payments and give you a lump sum now.

What is the first step?

First you will need to determine what your financial needs and goals are, both immediately and long term. Only you and your family can decide. This is a personal decision and should be looked at very carefully before conducting any transactions. Once you have evaluated your needs, decide how much money you want or need.

Get a quote!

When choosing to sell structured settlement, annuity, or lottery payments you should get at least three to four quotes, also commonly referred to as an appraisal of payments. These quotes or appraisals will tell you how much your future payments are currently worth as a lump sum.

You can choose to sell all or part of your payments. The value of your payments is determined by inflation, and TVM (Time Value of Money). Structured settlement, annuity, or lottery payments lose value as time goes on. Your initial 5 or 10 years of payments are worth more then the last 5 or 10 years.

Why are your payments not all worth the same?

A portion of your payment already includes a certain amount of interest you have not earned yet. The same dollar amount in ten years will not be worth as much as the dollar amount today due to inflation and increased costs of living. When you sell payments the interest that you have not earned yet is factored into the dollar amount of your quote. Since you no longer have to wait ten or twenty years for this money, you will not earn interest on it either.

Deciding which structured settlement company you will sell payments to.

There are so many companies competing to buy your structured settlement and annuity payments that it is almost guaranteed that you will get the largest lump sum possible. However, there are some that will offer to beat any other written offer, or even allow you to sell payments outside of the guaranteed period. Look for a company that has been established for a while. Avoid companies that try to pressure you. There should never be a feeling of obligation.

What comes after you get a quote for your settlement, annuity, or lottery payments?

After you have found out how much your payments are worth, you know how much money you want or need, and you have decided you want to sell your payments, you will need to get a copy of your proof of benefits. The company purchasing your payments will require you to show proof of your settlement agreement. Once your benefits have been verified the settlement purchasing company will supply you with information on the transaction in detail and a court will review the transaction to make sure that selling your payments is in fact in your best interest and that it will not negatively or adversely affect you or your family.

How long will it take to get your money?

Depending on which state you live in, where your case was settled, and the court reviewing your sale. The entire process can take 45-90 days. Usually your money will be wire transferred to you as soon as the company is notified that your transaction has been approved.

To find out how your right to sell your payments are protected
and
to get more information call toll free 1-866-865-7044.
Get informed, get the advantage, and get ahead!
www.woodbridgeinvestments.com

Turn Personal Injury Payments into Power!!

One Woman's Story of Overcoming Pain and Loss.

Chances are you missed work, you accrued debt, and bills are not slowing down. Too many individuals settle for small monthly payments not realizing they have the legal right to sell payments for a cash lump sum.

Maria Varges worked 8 years for the same company when she was the victim of negligence on the job. A shelf holding close to 300 lbs. of books came lose from their anchorage in the wall for lack of proper installation. It could happen to anyone, but it happened to Maria as she was standing on a step ladder. The force of the books slipping off the shelf onto her was more than enough to cause her to lose balance and fall.

The injuries left Maria unable to work for several months and with a mounting stack of medical bills. After nearly a year of waiting, she was awarded a personal injury settlement. The payments came too late. Without any income for almost a year, she had already been evicted from her apartment, had her car repossessed, and now lived with her two small children in a cramped home with her relatives.

This was certainly not the future she had planned. Before the injury, Maria was attending a local community college, working on her degree, and supporting family as a single parent. Thrifty shopping, and frugal spending had allowed her to save a small amount of money she had planned to put towards the purchase of her first home. It had been a struggle, but it all seemed worth it when she thought of owning a small piece of the American dream.

Now that dream had vanished and she felt as though her life became some twisted and cruel nightmare. Her credit was ruined, her education put on hold. Forced to rely on the help of family and friends, her self esteem had all but withered away.

The structured settlement payments were not enough to pay for rent for an apartment let alone anything else. Searching for ways to get back on her feet, Maria turned to the Internet. Maria had seen commercials on TV before. "Get Cash Now!" Sell Your Payments Today!" She decided to do some research, and what she found saved her life.

After careful study, Maria learned that insurance companies ultimately were the ones to profit from a loss. Although she was awarded a settlement, the insurance company would make enough interest to cover the small payment she received by not having to give her a one time lump sum.

Maria sat down, and made a list of her debt, goals, and dreams. She knew that if she could pay off her debt, and finish school she would be able to find a job that did not require physical labor, and she would once again be able to live independently of help and assistance from her friends and family.

The Internet proved to be a plethora of information regarding companies that would buy her structured settlement payments. Maria contacted several of the companies listed, and found that not only could she sell her payments, she needed only sell a number of them to receive the money she so desperately wanted and needed.

Maria learned how there was a difference in which payments she sold. Payments that she would receive in the next 5 years were more valuable then those she would receive in the last 5 years.

Payments from a structured settlement include interest that you have not earned yet in exchange for agreeing to wait years to receive the money. Add inflation, and increased living expenses, and those future payments would be worth next to nothing in coming years.

There was no time to waste. Maria shopped several companies. Making sure she got quotes from as many as possible. When she was finished she took in hand the largest 3 quotes she had received, factored in which companies offered her courteous and friendly service, and accurate and open honest answers to her questions.

It wasn't long before Maria recieved her money via a wire transfer. She utilized a non for profit credit counselig center to reduce some of the interest and debt that had buried her until now. Maria paid off her debt, and enrolled back in school full time.

Four years have passed since she received her lump sum cash payment. She still has payments left over that will provide added security, and now is the proud executive administrator of a large retail marketing firm. Her income pays for private schooling for her children, and monthly rent, and transportation.

It took four years to rebuild her life, but it would have been impossible without the large lump sum of cash she received from the sale of her payments. Now that she has improved her credit, shown a steady an increasing income from her job, she is looking forward to once again, owning her first home

"I may sell some more of my payments to use as part of my down payment on my new home," Maria stated. "I can also chose to buy my home using what I have and then pay down my mortgae instantly reducing my monthly mortgage amount. Either way, I am so grateful that I had family, friends, and a settlement purhcasing company that worked together with me to help me get back on my feet, and where I am today."

Don't let tragedy stop you. Learn how Woodbridge Investments can help you turn your perosnal injury payments into power like Maria did. We are here to help 24 hours a day 7 days a week.

Call, click, or chat online with a knowledgeable and friendly representative who will asnwer all your questions!

TOll FREE 1-866-865-7044

Get the Woodbridge Advantage Today!

Structured Settlement purchasing companies are providing more aid then Bush's stimulus package

"Structured Settlement purchasing companies are providing more aid than Bush's stimulus package to families like mine," says LA resident Leza Fayor.

Americans feeling the cash crunch are anxiously awaiting their stimulus check from Uncle Sam, and tens of thousands more wait monthly for their small checks from a settlement, lottery, or annuity. Many of us are unaware as to how our government can afford to allocate funds such as those distributed within the stimulus plan when already we are facing a national deficit of well over 50 trillion dollars. One of the answers to this question lies in the little known truth that the check you are going to receive from Uncle Sam is nothing more than a interest free loan on monies you would be entitled to next year.

Some people are questioning why they were not given an opportunity to either decline or accept this offer. "Had I known that the check I got from the stimulus package was going to affect my return next year, I may have chosen to decline the money they want to give me this year." was a sentiment expressed and echoed by many, including Tom Jacobson, a North Carolina resident and current small business owner.

With an economy that is seeing an average nationwide cost of gas per gallon at around $4.20 for mid grade, and the cost of consumer goods rising, many families and individuals are finding it hard to make ends meet. The housing market has not fared much better, although there are new improved loan programs for those who qualify, many do not meet the required credit criteria and even more are unable to set aside savings towards the down payment on a home.

Individuals receiving payments from structured settlements, lotteries, personal injury, and annuities are finding creative ways to make their money work for them now rather than waiting to collect future payments. Periodic payments that once served as a cushion or supplemental income are shrinking in buying power.

For so many people and their families, they just need a little extra boost to get them restarted on the path to financial recovery. Hoping that their stimulus checks will help boost the economy, President Bush feels that this will do the trick. Unfortunately the average household will spend that one check on less than a month's worth of groceries.

Companies like Woodbridge Investments and JG Wentworth who purchase payments from settlements, annuities, lottery winnings, and mortgages are making it even easier for recipients to get their money now. Realizing that American families all over are facing a time of need, cash flow purchasing companies such as these have increased their funding to accomodate the steadily increasing number of people who just cannot afford to wait for a monthly check and want to sell future payments now.

To get more information and to find out how you can get a large lump sum of cash now, call toll free 1-866-865-7044 ro get an online quote at www.woodbridgeinvestments.com today!

Can you hear your settlement money turning to pocket change?

Like so many people receiving structured settlement payments, you may be one of them seeing your money turn into pocket change.

Inflation, increased oil prices, gorcery shopping breaking the bank. It's hard to go anywhere these days without noticing how much less you are getting for each and every dollar.

April 22, 2008: 4:42 AM EDT


NEW YORK (AP)-

With gas prices now averaging $3.51 a gallon nationwide, according to AAA and the Oil Price Information Service, more and more Americans who have to drive are weighing the need for each and every trip.

"To get to the doctors and all that, it's an awful lot of money," said Carol Licata, a 75-year-old retiree from Arnold, Pa., who said a larger portion of her fixed income is now going toward gas. "I don't drive that often, but have to take necessary trips ... and (gas) takes a big chunk out of our budget."
CNNMONEY.COM

Many individuals collecting payments from structured settlements or annuities have already realized that the periodic payments they once agreed to are restrictive and not enough.


For most people, the idea of a structured payment schedule can be the perfect choice, provided they have done the research in the beginnning to determine how they will receive their paymnets and have made accomodations for future increases in living expenses and incidentals.


Many people do not realize when a structured settlement is first put into place, you cannot make any future changes. Every amount of money to paid to you is laid in advance on a schedule that is "structured". You will receive a determined amount of money in determined incremements over a specified period of time.


Since the inception of structured settlements in the early eighties our country has seen a flourishing and growing group of companies like JG. Wentworth or Woodbridge Investments who will provide a lump sum in exchange for the rights to receive these payments. Collectively these companies are part of or better known as the "cash flow or settlement purchasing industry".


Settlement purchasing companies have proved a valuable source of help for thousands of Americans who realized and found out that the restrictive small periodic payments they were receiving were of little or no help at all. An individual can receive a one time large lump sum of money when they sell all or some of their payments.

Feel like your stuctured settlement money is years away? Find out how you can bridge the gap between you and your money.

The startling truth about periodic payments? Its YOUR money!

You are about to join the tens of thousands of individuals who are finding out how their right to sell structured settlement and annuity payments can provide them with the money they need or want now. You do not have to be forced to wait months, years, or even a lifetime to see your money in your pocket.

Getting your money in a large lump sum can give you power to negotiate debt balances, buy a home, purchase a car, or even provide a college education for yourself or a child.

How many times have you said to yourself, "If only I had the money to pay off this credit card!" or"Hhow can I afford tuition for my child?" Have you wonderred how you are going to come up with the increasingly typical 20% down payment to buy your first home?

Who can put a price on peace of mind?

Woodbridge Investements buys all types of structured settlement payments, annuities, and lottery winnings for cash. Your money can be in your hands in as little 60-90 days. We will show you how we have helped so many people just like you get their money now.

Flexible and intelligently designed programs tailored to meet the needs of our valued customers makes Woodbridge Investments the number one choice for Americans who want to sell their future payments for cash now.

Flexible and intelligently designed programs tailored to meet the needs of our valued customers makes Woodbridge Investments the number one choice for Americans who want to sell their future payments for cash now.

We will provide you with a free appraisal of your payments so that you can find out just how much your structured settlement, annuity, or lottery payments are worth. It only takes a few minutes and there is no obligation.

The choice to sell your future payments is one that can only be made by you, and should be carefully considered before entering into any agreement.

Once you have decided selling all or some of your payments is the right choice for you, Woodbridge will educate and provide you with various different programs that will meet your immediate and long term goals, and make sure you get the guaranteed largest lump sum of cash for your payments.

Making the call to get your free quote is the first step. Just let us know how much your payments are, how often you recieve your payments, and how many are left.

That's it! It's that easy.

You can call, click or chat!

Call toll free 1-866-865-7044 or visit us on the web at www.woodbridgeinvestments.com and chat with a live representative, or just fill out our easy no nonsense free quote form and a professional account representative will contact you with all the answers to any questions you may have.

Learn how you can get the Woodbridge Advantage to work for you right away.

How your structured settlement might help you buy your first home

How you can sell structured settlement payments to use for a home purchase.

For many people home-ownership is the biggest part of living the American dream. Unfortunately, with today's job market, and sluggish economy coupled with increased costs of living, that dream is just that, a dream. There are thousands of people and families who are paying more for rent than they would be for a mortgage payment.

Why are people paying for rent when they could be investing in their home? For most, it is coming up with the single most important aspect of buying a home: the down payment.

"For most first-time home buyers, saving enough money for a down payment is the biggest hurdle to owning a little piece of paradise. Traditionally, lenders have required a down payment of at least 20% of the home's purchase price." -New York Times March 23, 2008

Many people don't know that once they enter into a structured settlement agreement they cannot alter the agreement. It is final. Even more people don't realize that by law they are allowed to sell structured settlement payments for a lump sum of cash.

Let's begin by first explaining the laws regarding selling structured settlement or annuity payments.

You legally have the right to sell some or all of your future payments for a lump sum now. No matter which state you live in, your money is still your money. A court will review your transaction and decide that approval will not negatively or adversely affect the individual.

When you sell structured settlement payments you agree that you will receive a one time lump sum for those future payments at a discounted amount.What is the discounted amount? The total amount of money you would receive over a specified period of time includes interest that you have not earned yet. Since you are no longer waiting for this money, the amount is discounted.

Now lets move on to the quote. Your quote is the amount of money you would receive in a lump sum based on the value of your future payments. In order to ascertain how much money your payments are worth, you would need to get a quote from a company that will purchase your settlement payments. You can choose to get a quote based on selling settlement payments in part or wholly.

Getting the quote.

You will need to provide the company or companies buying your settlement payments with three pieces of information. You will need to tell them how much your payments are, how often you receive your payments, and how many are left. This basic information will give you an idea of how large the lump sum is based on the number of payments you sell, and which payments you sell.

You can sell payments that are in the beginning or at the end. Keep in mind that your payments are worth less in the future. For example. The payments you would be receiving in the next 5 years are worth more than those you would be receiving in 15 years. This is all due to inflation, interest, and cost of living. The buying power of twenty dollars today is not going to be the same in 15 -20 years.

How much does it cost to get a quote?

Getting a quote should not cost you anything. You should get several quotes to see which company will give you the-most for your money. After you have decided which company will service your needs best. You will then have to furnish them with proof of your settlement benefits with what is typically known as a an assignment of benefits letter. If you do not have one, the company can, with your permission obtain a copy of this for you.

"How long will the process take before I get my lump sum?"

Usually you will have your money in approximately 90-120 days. The time frame is based on how long it will take to obtain and verify your benefits, and how long it takes the court to schedule a hearing to approve the transaction.

This lump sum can be used as a down payment for the purchase of a home, or even a college tuition, home repair, car purchase, etc. How many payments you sell, and how much of a lump sum you will need is going to be determined by your financial goals and needs. If you are lookng to buy a home, Remember that the larger the down payment you are able to give to a lender, can and will ultimately reduce your monthly mortgage amount as well.

Woodbridge Investments to Offer Foreclosure Assistance to Homeowners Receiving Structured Settlement Payments

Woodbridge Investments, LLC. , a structured settlement factoring company, today announced a new program to aid homeowners facing foreclosure.

The Woodbridge Home Owner Relief Program allows homeowners who are receiving structured settlement, annuity, lottery payments to instantly borrow up to $20,000 against their settlements to reinstate or pay delinquent mortgage payments.

Heading up the innovative new program is Sofia Ekberg, who has an extensive background in debt negotiation with banks nationwide. Sofia stated, "My experience with homeowner relief programs acted as the catalyst for the idea to offer loans to homeowners receiving structured settlements."

Ms. Ekberg further added, "Management at Woodbridge Investments was thrilled with the idea and has set aside a fund to immediately begin making loans."

To qualify, an individual must own a home and at the same time be receiving a structured settlement, annuity or lottery payment.

Woodbridge Investments and its predecessor companies have been purchasing Lottery Payments, Structured Settlements and other cash flows since 1993. Over a thousand individuals and families have relied on Woodbridge to realize a large lump sum from the sale of their long term payments.

11 Things You Didn't Know About Structured Settlements

1. A structured settlement, annuity, is a determined amount of periodic
   payments you will receive over a determined length of time.
   


2. Part of your future payments include interest you are being paid that you
   have not earned yet.
   


3. You can choose how you will receive your payments - usually you can
   receive monthly, quarterly, bi-annual, or annual payments.
   


4. Once a structured settlement payment agreement is reached, the plaintiff
   cannot make changes.
   


5. It was not until 1982 when Congress enacted the Periodic Payment Act that
   pre arranged payments became the new alternative to one tie cash lump sum
   payments.
   


6. While structured insurance settlements are created for the benefit of the
   victim, they are inflexible and often are inadequate to deal with immediate
   financial needs or unplanned emergencies
   


7. United States Congress and most state governments have agreed that
   settlement victims should have the ability and right to sell their structured
   insurance settlement and receive money from insurance settlement in the way they
   see fit.
   


8. Some people choose to repay a debt or to use the cash for investment
   purposes such as starting a business or buying a home. Others use the money to
   fund an entire college education.
   


9. Laws require the beneficiary to demonstrate that selling their annuity
   payments is in their best interest. If the court agrees, it will issue an order
   authorizing the sale of a structured settlement payment to an authorized
   third-party. The requirement of court approval is to protect the beneficiary
   from an inappropriate sale and also to verify that the sale is in the victim's
   best interest
   


10. Generally pension and annuity payments are subject to Federal income tax
    withholding. The withholding rules apply to the taxable part of payments
    from an employer pension annuity, profit-sharing, stock bonus, or other deferred
    compensation plan. The rules also apply to payments from an individual
    retirement arrangement (IRA), an annuity, endowment, or life insurance contract
    issued by a life insurance company.
    


11. If you are considering selling your settlement payments it is wise to
    call or go online for several free quotes and information from settlement firms
    you can trust. Then compare the terms, costs and services provided in the
    offers to guarantee you are receiving top dollar.
    

Buying structured settlement payments is what we've always done better than anyone else

You can count on Woodbridge Investments to get you the largest lump sum for your payments. We guarantee it!

Sound to good to be true?
Just give us a try!

Why take chances with your money?

We're ready to prove everything we claim!

Bring us any legitimate offer you have for your payments and we guarantee we will beat it!

It's that simple!

Since 1993 Woodbridge and its principals has helped over a thousand individuals just like you get the largest lump sum of money and avoid the pitfalls of selling structured settlement payments. We take out the guess work and confusing gimmicks. Our job is to help you.

We'll handle your transaction from start to finish. Our associates are trained professionals here to assist you and make sure that all your needs are met. Our real business is you! Woodbridge gets the job done!

Let us show you how commitment to excellence and customer service are why Woodbridge gives you the advantage.

Get your free quote today and find out how large a lump sum your payments are worth. There is no obligation and you have absolutely nothing to lose!

Whether you are selling structured settlements, annuity, or lottery payments, you will never have to take chances that you are not getting the largest lump sum possible for your payments.

You have a right to demand the best!

Call our toll free number today! 1-866-865-7044

Or visit us on the web! www.woodbridgeinvestments.com

You can even get a free quote online in just moments by filling out our simple, easy-to-read form, or chat with an online representative.

You've waited long enough!

You can sell personal injury, structured settlement, or lottery payments for a large lump sum of money now!

You can sell personal injury, structured settlement, or lottery payments for a large lump sum of money now!

Woodbridge Investments, a leader in the structured settlement purchasing industry, has helped thousands get the guaranteed most money for their future payments now. And with their new out of guarantee program, you can sell payments even if they are outside the guarantee period!

You don't have to wait for small restrictive periodic payments when you can get a large lump sum now. You can chose to sell all or just some of your payments, even if you have previously sold payments before.

Start by getting a free no obligation quote to find out how large a lump sum your payments are worth. All you need to know is how much your payments are, how many payments you have, and how often do you receive your payments. That's it!

Call Woodbridge Investments today toll free 866-865-7044 or go online to www.woodbridgeinvestments.com to get your free quote today and get your money now!

Sell your structured settlement for cash now

How can you sell your structured settlement for cash now? It's easy! Come to Woodbridge Investments LLC, and get the largest lump sum of money now for your future payments. Many can receive their money in as little as 30 days.

Go online to www.woodbridgeinvestments.com and get your free quote, and you can also speak to a representative online via our online chat window.

It only takes a few moments to find out how much your future payments are worth. You can sell all or some of your payments, even if you have previously sold payments before.

It's your money! Let Woodbridge Investments show you why we are a leading purchaser of structured settlements. We have helped thousands of people just like you get the most money for their payments for over a decade! Get the Woodbridge Advantage today!