Selling a structured settlement can feel daunting. These arrangements are designed to deliver steady financial security over many years, and the idea of changing that rhythm is understandably nerve-wracking. Life, however, rarely follows a neat plan: medical bills, a home purchase, debt, or unexpected family needs can make a lump-sum solution appealing, whether you’re pursuing settlement funding or selling future payments outright.
At CBC, we know how important it is that the process be straightforward, transparent, and empowering. Below, we’ll walk you through how to sell a structured settlement step by step and explain what sets our approach apart.
What Is a Structured Settlement?
A structured settlement is a financial arrangement typically resulting from a personal injury lawsuit or insurance claim. Instead of receiving a one-time lump sum, the recipient is paid in installments over time. This approach provides steady income and tax advantages, but it doesn’t always meet every financial need.
When major life expenses arise, selling part or all of your future payments for immediate cash can be a smart option.
Why Choose CBC?
We specialize in helping clients unlock the value of their structured settlements with clarity and confidence. Our process is designed to be:
Transparent: You’ll know exactly what to expect from start to finish.
Client-focused: We tailor solutions based on your unique needs, not a one-size-fits-all approach.
Legally secure: Court approval ensures the transaction is in your best interest.
Efficient: We streamline the process to get funds into your hands as quickly as possible.
Step 1: Initial Consultation
The process begins with a free, no-obligation consultation. Here, a CBC specialist will review your settlement details, discuss your financial goals, and answer any questions you may have.
Common reasons clients decide to sell include:
- Paying off high-interest debt
- Covering medical or emergency expenses
- Investing in a home, business, or education
- Achieving greater financial flexibility
At this stage, the team will also explain your options. You may not need to sell your entire settlement, you can sell only a portion, keeping some payments for long-term security.
Step 2: Personalized Quote
Once we have the details of your settlement, we provide a personalized quote that outlines how much cash you could receive. This offer is tailored to your unique case and designed to maximize your value.
Transparency is key here. We break down the numbers so you understand:
- The present value of your future payments
- Any applicable fees or costs
- Exactly how much cash you’ll receive
Step 3: Documentation and Agreement
If you decide to move forward, CBC will guide you through the paperwork. Our specialists handle the details, ensuring everything is accurate and complete. You’ll review and sign an agreement that clearly lays out the terms of the sale.
Unlike some companies that rush clients, we encourage you to take the time you need to feel confident. We’re here to support, not pressure.
Step 4: Court Approval
By law, selling a structured settlement requires court approval to ensure the transaction is in your best interest. This safeguard protects you and ensures fairness.
CBC manages this process on your behalf. We’ll:
- File the petition with the court
- Provide all necessary documentation
- Represent your case and keep you informed every step of the way
In most cases, court hearings are straightforward, and once approval is granted, the transaction can proceed quickly.
Step 5: Receiving Your Funds
Once the court approves the sale, we process the transfer of funds to you. Depending on the details of your case, you can receive your lump sum in as little as a few weeks.
This is where the flexibility of selling your settlement becomes clear: the money is yours to use however you choose. Some clients pay off debt, others invest in education or property, and many simply gain peace of mind knowing their financial burdens are lifted.
What Makes the CBC Process Stand Out
While many companies buy structured settlements, here at CBC, we’ve built our reputation on trust, transparency, and client care. Here’s why:
We take the time to clearly explain every step of the process and break down every number so you know exactly what to expect. You’re in control of your decision – you can choose to sell just a portion of your payments or your entire settlement, depending on what fits your needs best.
Throughout the process, our specialists are available to answer your questions, provide guidance, and ensure you feel supported at every stage. Backed by years of expertise, we understand both the legal and financial sides of structured settlements, which means you can move forward with confidence knowing your best interests are at the heart of what we do.
Final Thoughts
Selling a structured settlement is a big decision, but it doesn’t have to be confusing or stressful. With CBC, you’ll have a trusted partner guiding you through every step, from the first conversation to the moment you receive your funds.
Life changes, and your financial plan should be able to adapt. By working with a company that values transparency and client success, you can turn tomorrow’s payments into today’s opportunities.
CBC Settlement Funding is here to help you make the best choice for your future.