Last updated: May 26, 2026
If you've heard the structured-settlement industry isn't exactly clean — you've heard right. John Oliver dedicated a full segment of Last Week Tonight to it. The Washington Post won a Polk Award reporting on it. State attorneys general have indicted operators. We're not here to claim every buyer is bad. We're here to say: the worst practices are well-documented — and our model is built to make them structurally impossible.
Six pieces of public record, one decade. Journalism, regulators, and courts have all reached the same conclusion about how the worst actors in this industry operate.
Complaint alleged collusion via the National Association of Settlement Purchasers not to make competitive bids on each other's customers — and use of the court system to interfere with competitors' transactions.
Court filingTerrence McCoy documented Access Funding buying out lead-paint victims' settlements at as little as 19–20¢ on the dollar — prompting Maryland AG review and state legislative reform.
Investigative journalism"Baltimore Lead-Poison Victims Lose Money In Settlements" — brought the WaPo reporting to a national audience and triggered additional state-level scrutiny.
Broadcast journalismThe Consumer Financial Protection Bureau issued a CID to J.G. Wentworth to determine whether the company had engaged in practices violating federal consumer financial protection laws.
Federal regulatorThree individuals indicted in connection with the Access Funding scheme. Maryland now requires every factoring company to register with the AG before acquiring payment rights in the state.
State enforcementA full main-story segment on the factoring industry (May 17, 2026) — featuring J.G. Wentworth and reporting that some sellers lose 60%+ of their settlement's value after rates, fees, and aggressive structures.
Watch on YouTube →When the May 2026 segment reported that some sellers receive only pennies on the dollar after discount rates, fees, and aggressive purchase structures, that wasn't editorializing. It matched what investigative journalists, federal regulators, and state attorneys general had been documenting independently for the better part of a decade.
The discount rate, the rubber-stamped court hearings, the steered legal advice, the forum shopping — all of it is on the public record, going back to 2012. — Synthesis of the cited sources below.
Don't take our word for itAcross all of the reporting above, the same four patterns show up again and again. Our model is set up so each one is structurally impossible for us — not just unwelcome.
Quote you in dollars ("$40K for $80K of payments") and never disclose the implied APR. The difference between a fair rate and a high one is tens of thousands on the same payments.
Every quote — including the free calculator on our homepage — shows present value, cash to you, and the implied APR. The math is on the page. Compare us to any other offer in seconds.
Hearings can last minutes, the seller is often unrepresented, and the order is signed. The "best interest" finding required by law becomes a formality.
Our discount rate is built from four publicly-stated components (cost of capital + ops + servicing + margin). The same for every customer. No haggling — because there's nothing to haggle.
The statutory right to independent legal or financial advice can be waived in writing, or routed to a professional with a relationship to the buyer.
We give you contact information for independent attorneys and planners and pay for a one-hour consultation if you don't have one. We'd rather you sign with full counsel than rush.
File the transfer petition in counties or states with the lightest-touch judges, rather than where the seller actually lives — making meaningful court oversight even less likely.
The judge who reviews your transfer is the one closest to where you actually live. We don't forum-shop. Period.
Any honest buyer will answer all six in writing without flinching. If a buyer dodges any of them, that itself is your answer.
It's worth saying clearly: this isn't 2012 anymore. Federally, Internal Revenue Code §5891 imposes a steep excise tax on any buyer that purchases payment rights without a qualifying court order — so the court-approval requirement now has real teeth. At the state level, most states (including Florida, where we operate) have adopted Structured Settlement Protection Acts requiring advance written disclosure, notice to interested parties, and a "best interest" finding on the record.
These laws have made the worst abuses harder. They have not made them impossible — and they do not, by themselves, prevent a buyer from quoting only a dollar amount and never showing the rate behind it. That's a choice the buyer makes. We made the opposite one.
No phone number. No sign-up. Just the math, on the page.