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What is a mortage note settlement?

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A structured settlement payment is the result of a legal action or insurance claim*. Many individuals who have settled the action or insurance claim are receiving periodic payments over time (according to the terms of an annuity contract) in the form of a structured settlement (aka insurance settlements, personal injury settlements, life or viatical settlements). Oftentimes, the structured settlement recipients or "claimants" can't afford to wait out the terms of their original settlement agreement and have a need for cash now. These needs may include:
  • Debt elimination
  • Medical emergencies
  • Starting a new business
  • A down payment on a house
  • A college education
Our service purchases the claimant's next payment or payments. For that service we'll pay a percentage to the claimant of the total payment due in one lump sum, rather than over time. How big a percentage, depends on how much time will elapse before we receive the monies back. We provide the claimant with the agreed upon money in advance so they have their money when they need it and we wait to receive the payments according to the original schedule.

Depending upon the exact situation, the entire process from the time a claimant applies until the money is in their hands can often be completed in less than 21 days. Let us ease your worries. Simply fill out our free online quote form to receive more information.

*Technically speaking, structured settlements are funded by annuities. These single premium annuities are purchased to provide a pre-determined payment stream to the payee. These annuities have similarities to investment annuities; they are backed by an insurance company and provide for a long-term payment stream. However, the annuities differ in other aspects: they are not owned by the payee, they are tax free and they can be sold only with judicial approval or a hefty excise tax. Many times, an income stream recipient may be unaware of whether the asset they hold is an investment annuity or a structured settlement annuity. We can help you determine whether or not your annity is elegible.


Structured Settlements Defined ·  Mortage Note Settlements Defined
Annuity Buyouts Defined ·  Buyouts of Lottery Winnings Defined