In the last post we talked about our recent decision to sell annuity payments from our structured settlement; a settlement that had served us well over the years in terms of the payments that were sent to us every month. Now we were looking at our structured settlement not just as another monthly income stream but as a way to accrue a lump sum of money to pay for our daughter’s tuition payments as she was ready to set off to college in the fall. We did a lot of research to determine the best course of action and found that we did have the ability to sell annuity payments – sell a particular number of payments to a purchasing company that would give us their cash value in return and would then receive those payments instead of us when they came due. From all that we learned it was very important to find a reputable buyer of structured settlement annuity in order to have the best results. And we did.

We looked for a buyer of structured settlement annuity that had experience, time in the industry (not a fly by night company), a great reputation, solid financial backing, and a way of explaining the process to us so that we could understand what was to come.

The buyer of structured settlement annuity that we chose worked very hard on our behalf – explaining the process and ensuring us time and again that we did not have to sell our entire structured settlement which we did not. We only sold the number of upcoming payments that would accrue us the cash that we needed in hand for tuition. With the purchasing company’s expert guidance and having felt like we really did our research we felt like we made the best decision for our family and are happy to say we had a very positive experience.

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It’s difficult to find trustworthy advice – no matter what industry in which you seek it. But when it comes to finances – especially our own – the need to find such expert guidance is what is most especially needed. This is the expert that we sought when we began looking for a buyer of structured settlement annuity; someone who could professionally guide us through the process of selling annuity payments for cash.

Our structured settlement annuity had been a mainstay in our home – and a part of our finances for quite some years. We were given money in a personal injury case after I was hurt in an accident and couldn’t work for some time. The amount of money that was given to us was actually put into an annuity so instead of getting it all at once we get payments that come every month. In the early years of the structured settlement that money was our lifeline especially as I wasn’t working; we counted on it to pay our bills and fund our everyday household expenses. As the years passed, and I went back to work, we counted on it less as a lifeline and looked at it more as an extra line of income that helped to provide us with a financial cushion.

Now, facing the approach of our oldest child’s first year of college we began to consider our structured settlement as a potential method for financing the hefty tuition. This was when we really looked into our ability to sell annuity payments to come up with the tuition that we needed. As it turned out this was a possible way of generating the money that we needed and the success of the transaction, as we learned through our research, very much hinged on finding a reputable buyer of structured settlement annuity. More in the next post…

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There are those things that when you consider doing them may fill you with trepidation; but the feeling may be based on something real or something not so real. That was my feeling whenever I thought about the choice to sell annuity payments. I had been getting payments from a structured settlement for about a year; the money came from an annuity and had been deposited there because I was awarded it in a personal injury case. I had never heard of a structured settlement. I thought when you were given money through the courts you were actually handed the money and sometimes you are. But most often you are given a structured settlement which means that the money sits in the annuity (kind of like a bank account) and you are given payments.

Just like I had never heard of structured settlements I had also never heard of selling annuity payments. I figured that the payments that I received were what I would continue to get, like it or not, and I should just be grateful. But the fact is that the money, while helpful, would have been far more beneficial to me if I had a bunch of payments at once. With that money I could pay off my credit cards and stop paying so much interest. As it was, I was only able to pay the minimum payment every month. When someone advised me to sell annuity payment I was nervous because it didn’t seem like something that I should be allowed to do. But it was!

I found out that the money is mine and if I wanted to sell annuity payments I just had to work with a buyer of structured settlement annuity payments. I would decide how many payments I wanted to sell (I figured out how many payments it would take to pay off my credit cards and that’s how many I sold) and then the buyer would give me money up front for them. I wouldn’t get those payments sent to me; instead the buyer would receive them. But I had the money I needed to make some real changes in my life.

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Taking charge of our finances is something that most of us struggle to do in a normal situation; but when you add the present state of the economy into the mix then we there is even more difficulty in finding an even keel. For those who find it difficult to manage finances in the best of times, they will undoubtedly have even more trouble at present.

Those who receive structured settlement payments may have more options at their disposal; options that will afford them the control that is so desirable. Structured settlements are financial arrangements that are set up by the court system. When money is awarded in a personal injury case it may or may not be distributed all at once. In lieu of the money being distributed in one payment it may be distributed through a structured settlement which means that the money is deposited into an annuity and then sent via payments that are made on a scheduled basis.

While the arrival of payments on a monthly basis – or on whatever other schedule is set up – may be helpful to a household’s budget, there may come a desire for a larger amount of money than what is sent in a payment. For instance, several payments together may be enough to pay off debt, make a tuition payment, stop a foreclosure, and the like. In such a situation the recipient of a structured settlement may decide to sell annuity payments in order to accrue the amount of money they need to meet their financial obligations.

The choice to sell annuity payments is a way for a structured settlement recipient to really take charge of their finances and make the decisions that will allow them to best determine their financial future. More than anything, the choice to sell annuity payments – it should not be forgotten – is within the right of any structured settlement recipient.

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In the last post I began to tell of the situation in which had found myself and which I was facing with much trepidation. While my family had never been considered wealthy by any means we always had enough every month; even if it was just enough. Our salaries – along with the structured settlement payment that we received every month was enough to see us though until I lost my job and my salary along with it. Suddenly that structured settlement payment became a lifeline and, even more than that – it became a possible safety net.

Our choice to sell annuity payments was a decision we looked into as it would grant us the lump sum of money that we needed to pay off our debt and hunker down with what we had until I was able to find a job. We began the process by working with a buyer of structured settlement annuity – someone that we had found through word of mouth and that appeared to be a reputable source for getting the money that we needed.

The structured settlement was set up by the courts as a result of money we were awarded in a personal injury case. The payments came the same time every month and they were certainly helpful; but now they were necessary. We found out that we could sell annuity payments – as many as we wanted or needed to sell – to a buyer who would give us their cash value all at once. In return, the buyer would receive the future payments instead of us. I was relieved to know that I did not have to sell my entire structured settlement – just the number of payments that would accumulate the amount of money that I needed to pay of my credit cards and other outstanding debt.

The choice to sell annuity payments was the best choice we could make to get through this difficult time and we worked with a buyer of structured settlement annuity that would help us make the transition.

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Until about five months ago we were going along pretty much in the status quo. Money wasn’t great but we weren’t behind on any of our bills and all in all things were relatively calm. We even considered moving and had just made a decision to put our home on the market. Despite the economy, houses in our area were selling well and we figured it would be a good time to sell a home in which we had a lot of equity and get a great deal on a bigger house.

Then I lost my job. Many people around me had found themselves out of work but I honestly had not been expecting to be one of them; my industry, and my company specifically, had fared well – or so I thought. So needless to say I was blind sighted by sudden unemployment. We had always lived very carefully but there was never any extra money. Without my paycheck we would be in trouble even with the structured settlement annuity payment that we received every month.

The structured settlement was something that we got because of money that was awarded to us following a personal injury case in which we were involved along with a number of other claimants. In the beginning we thought that the money we were awarded would just be given to us; but it turned out that oftentimes money is distributed in a structured settlement like we are receiving. A structured settlement means that the money is put into an annuity and then you are given it through payments that are made on a scheduled basis. We had gotten very accustomed to our structured settlement payment – it made it much easier to make ends meet.

But now it had gotten to a point where we needed to consider the choice to sell annuity payments so we could eliminate our debt and hunker down. More to come in the next post…

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There are many things that get a bad rep that have little to do with the thing itself but rather have to do with the disreputable people that may have sullied the industry. There are professionals you can trust in every type of business. Conversely, there are also people who should not be trusted; and they, unfortunately, can paint a sweeping and unflattering picture of the entire industry.

The decision to sell annuity payments when you have a structured settlement may be a difficult one. This money, after all, is yours to do with what you want. But it may be nerve wracking to think of selling annuity payments when you don’t know who to turn to for help. Finding a professional outfit to work with – especially when it comes to your money – is absolutely paramount for success.

The professional that you will be working with in this case is a buyer of structured settlement annuity; a purchasing company that will collect the future payments that they will purchase from you in exchange for the cash value they give you in the present.

Those who have structured settlements sell annuity payments for many reasons including having a lump sum of money with which to pay down or pay off debt, make a large purchase like a home or a vehicle, as well as for medical expenses and college tuition. While the payments made from an annuity may be helpful in terms of cash flow having a lump sum of a number of payments can have an extraordinary financial impact.

In such a case the seller determines how many annuity payments they wish to sell and the buyer of structured settlement annuity gives them the cash value. Look for a reputable purchasing company that has many years in the industry and a solid reputation among past clients, as well as a company that has strong financial backing and offers competitive quotes. These are the professionals you can trust.

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In the last post I talked about how accustomed I had become over the years to the structured settlement payments that I had been receiving. The money I had gotten in a personal injury settlement was safe in an annuity and I saw payments on a monthly basis; something that had been integrated into my cash flow over the years. The money was helpful to be sure; but I always wondered how much good I could do with it if I could have it in a lump sum – such as three or four payments at one time so I could pay off a credit card or a dozen payments at once so I could pay off all of my debt. I had heard over the years that there was the possibility to sell annuity payments but it just seemed like a process that would take too much time and effort. I was already busy enough day to day; I couldn’t imagine having to take time out of my schedule to figure this out as well.

If I had known how incredibly convenient it was to sell annuity payments I would have done it long ago. When I finally had a minute to think it over I thought it wouldn’t cause any harm to get in touch with a buyer of structured settlement annuity and get some information. By the end of that conversation I was already well on the way to sell future payments for cash.

The most time I spent in this process was finding a reputable buyer of structured settlement annuity payments with which to have this initial conversation. I found one that had a great reputation and was highly regarded by those who had worked with them over the years. They explained the process to me in simple terms – about how I would determine how many payments I wanted to sell and they would give me the cash value. It was simple, easy, and gave me options that I didn’t know that I had available.

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With so much to do on a daily basis I have a never ending “to do” list that just won’t quit. No matter how much I think I am accomplishing day to day the list only seems to grow and grow and I am left wondering if I will ever be on the winning side of my day. Trapped in this kind of chaos even the simplest of activities seem difficult. This was what I thought of when I thought of going through the process to sell annuity payments.

The structured settlement that I had received several years ago had become a part of my life in the sense that the payments made from the annuity showed up every month. I was accustomed to this extra income stream – something that first began when I was awarded the structured settlement in a personal injury case settlement. The money that I was awarded was put into an annuity and I was told that I would receive it in equal installments; and I did every month. I had come to rely upon it but over the years I also recognized that I could so much more with the money as a lump sum – even if not in its entirety, at least several of the payments all at once.

I knew that the option was there to sell annuity payments but I could just not bring myself around to looking into it further. I just honestly thought that the whole thing would be a nightmare and I didn’t want to commit the time that I thought it would take to really explore the process. Had I only briefly looked into it I would have discovered how simple the process was and how easily I could work with a buyer of structured settlement annuity payments to make the deal happen. In the next post I’ll talk about how I found a buyer of structured settlement annuity payments and how I went about the process to sell annuity payments.

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In the last post I talked about my structured settlement and how the annuity payments that were made to me on a scheduled basis had become a helpful part of my household income over the years. At this time in my life, however, I was in need of a more substantial sum of money. The economy had impacted the company for which I worked and I was let go. Without a job and on the hunt for a steady source of income I was barely making ends meet with my savings and the annuity payments that I still received. I knew that I had to free up my cash flow and to do that I would have to pay off my debt; a substantial amount that was not only leaving me with nothing after payments but was costing me a fortune in interest over the life of the loans.

I decided to sell annuity payments. The money that I would receive for a sale would allow me to pay off my debt completely and save me thousands of dollars in interest. Plus this would greatly free up my cash flow and give me more money to work with as I looked for another job.

So I looked for a buyer of structured settlement annuity payments. Through my research I found that the attributes to look for in a purchasing company of this kind include:

• Longevity in the market. The last thing you want to deal with when you sell annuity payments is a fly-by-night company that doesn’t have the experience or the history in the industry. Look for a buyer of structured settlement annuity payments that has experience under its belt.

• Financial fortitude. A buyer of structured settlement annuity buys the number of annuity payments that you wish to sell. They give you the cash value for those payments all at once and then they receive the payments from the annuity when they are distributed. You want to work with a company that has the financial resources to complete such a transaction.

• Word of mouth. The best way to know if a company is reputable is to listen to their clients. Go online and do your own research.

• Check for complaints. Look to the Better Business Bureau to determine if any legitimate complaints have been lodged against the company.

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