For many individuals receiving long-term structured settlements, the predictable income offers security, but it doesn’t always offer the flexibility life sometimes demands. Circumstances can change quickly, and when they do, waiting years for scheduled payouts may no longer fit what you need today. That’s where CBC Settlement Funding comes in. We assist clients who are exploring options like cash for settlements, helping them convert a portion of their future payments into a meaningful lump sum when timing matters most.
To illustrate just how impactful this can be, we’ve put together several real-world examples of past clients our team has been able to help. These stories highlight individuals navigating medical emergencies, major life transitions, financial challenges, or time-sensitive opportunities.
Each example shows how accessing funds from future payments can provide a fresh start, create stability, or open doors that would otherwise remain out of reach.
Getting Back on Track After a Family Hardship
“When my family faced an unforeseen financial setback, banks weren’t willing to help. CBC Settlement Funding took our call and helped us receive a lump sum for a portion of our structured settlement. The influx of cash got us back on track.” – Aaron R.
Aaron’s story is a common one. After a sudden medical emergency put him out of work, bills mounted quickly. His structured settlement payments were reliable, but they came in far too slowly to keep up with medical expenses and household needs. He needed a lifeline.
When traditional lenders turned him away, Aaron worked with our team to convert part of his future payments into immediate support. This infusion helped him cover medical costs, pay down credit card debt, and regain financial stability. Today, Aaron is healthy, back to work, and grateful he was able to protect his family when it mattered most.
A Single Mom Investing in a Brighter Future
Lisa had been receiving structured payments from a settlement she received years earlier. As a single mother working two jobs, she dreamed of starting a small online business that would eventually allow her to work from home.
The challenge? She didn’t have the startup capital.
With two kids, high living expenses, and irregular work hours, saving up wasn’t realistic. Lisa contacted CBC Settlement Funding after learning that she could sell a portion of her future settlement payments to access a lump sum now.
Our team walked her through the process, answered all her questions, and provided several options so she could choose the one that aligned with her long-term goals. With her lump sum, she invested in business coaching, a website and advertising.
Over the next few years, Lisa’s online boutique became profitable. She now works from home full-time and spends more time with her children. Her story is a powerful example of how financial flexibility can create generational opportunities.
Avoiding Foreclosure During an Unexpected Layoff
Mark had been at his manufacturing job for over 15 years when his company announced sudden layoffs. With only one month’s severance and a mortgage to pay, Mark found himself on the brink of losing the home he worked so hard to purchase.
He had a structured settlement from a workplace accident many years prior, but like many clients, Mark didn’t realize he had the option to convert some of his future payouts.
When he contacted CBC Settlement Funding, he was exhausted, stressed, and overwhelmed. Our team walked him through the process step-by-step, ensuring he understood the timeline and court approval requirements. The lump sum he received allowed him to catch up on his mortgage, avoid high-interest loans and pay his household expenses without skipping a beat. Within three months, Mark landed a new job. And he didn’t lose his home.
He says that the support he received “stopped a downward spiral before it even started.”
Covering College Tuition Without Student Loans
Jasmine was the first in her family to attend college. She had received a structured settlement as a minor due to a serious car accident in which she was an injured passenger. Her payments were scheduled to continue into her late 20s. The issue? Her tuition bill was due now.
Rather than rely entirely on student loans, Jasmine worked with CBC Settlement Funding to convert a portion of her upcoming payments into a lump sum that covered her tuition and textbooks for her first year. This allowed her to start college with confidence rather than financial anxiety. Today, Jasmine is a senior studying biomedical engineering and she says the decision to tap into the value of her future payments “changed the trajectory of her life.”
Growing a Family With Adoption Funds
Miguel and Sonya had always dreamed of adopting a child, but the expenses associated with the process felt overwhelming. While Miguel had an annuity, the couple was living on a tight monthly budget and couldn’t realistically save enough to move forward.
They reached out to CBC Settlement Funding after hearing that they could convert part of those annuity payments into a lump sum. Working closely with our team, they determined how much they needed, what portion to sell, and how to ensure this decision still supported long-term stability.
Today, they’re parents to a little girl they describe as “a miracle.” Their story highlights how accessing funds early can support life-changing moments, not just emergencies.
Launching a Business After a Career Change
Victor spent years working in hospitality, always dreaming of opening his own food truck. After receiving a structured settlement in his late 20s, he used the monthly payments to supplement his income while working multiple jobs.
But when his restaurant shut down, Victor saw an opportunity to pivot his career into his dream job. Instead of scrambling, he contacted our team to explore ways to transform his settlement into a meaningful investment.
Today, Victor operates a successful fusion food truck with a loyal customer base. He often shares that he “would still be dreaming instead of doing” if he hadn’t accessed funds when he needed them most.
Managing Debt After Multiple Life Transitions
After a divorce, relocation, and sudden medical expenses, Dana found herself facing significant debt despite having a steady job. She had a stroke of luck several year ago when she won the lottery, but her monthly payment schedule wasn’t enough to help her catch up quickly.
Dana reached out to CBC Settlement Funding after months of feeling stuck. We helped her determine how much she needed to regain stability and walked her through a personalized option that allowed her to sell a select portion of her future payments.
She credits this decision with giving her “a true second chance at luck.”
Why These Stories Matter
These examples show what we witness every day: real people dealing with real challenges and finding real solutions. Our role is to offer:
- Clarity
- Options
- Support
- Education
- A transparent process
- A partner you can trust
Whether you’re facing an unexpected emergency, planning for the future, or seizing an opportunity, accessing funds from future payments can empower you to take control of your financial life.
Ready to Explore Your Options?
If you’re considering converting future structured settlement, annuity, or lottery payments into a lump sum, our team is here to help. We’ll answer every question, walk you through each step, and ensure you’re making an informed decision that supports your long-term goals.
Your story could be next. Let’s write it together!