Yes, they are not loans. You sell your future payments for a cash lump sum based upon the future value of money. You do not have to sell all your payments. Prices vary from company to company so it pays to shop around and get a few quotes to ensure you get the best deal. You should also research the background of the company to ensure that there are no complaints with the state or the better business bureau. You can check with your state?s attorney generals office.
While some companies do charge outrageous rates not all companies do so you shouldn?t accept an offer for pennies on the dollar. If you would like to know more read this article on the truths about structured settlements. http://blog.rescuecapital.com/blog/rescue-capital-news/the-truth-about-structured-settlements
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