Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Novation Capital Fact or Fiction: OPINION Solid Fiction Section

by Structured Settlement Watchdog

FACT OR FICTION? Structured Settlement Companies buy the right to receive payments from insurance companies that result from the settlement of personal injury, wrongful death or medical malpractice claims. FICTION


FACT or FICTION? Novation Capital is a structured settlement company


FICTION Novation Capital is a factoring company or settlement purchaser. It’s advertising statement is a mischaracterization and it is is inconsistent with many members of its own industry, the settlement purchasing industry of factoring industry. Novation Capital states, on its website. that it is a member of the National Association of Settlement Purchasers (NASP). It is neither a member of the National Structured Settlement Trade Association (NSSTA), nor would it qualify.


FACT or FICTION? Novation Capital can deliver a structured settlement quote free or otherwise


FICTION Download florida_insurance_search_for_novation_capital_2232007.pdf Florida is Novation Capital’s home state. Other states have online databases that you can look up to see if Novation Capital is licensed.


FACT or FICTION? Novation Capital’s website includes testimonials from customers about the “structured settlement process”


FICTION, Novation Capital mischaracterizes the “structured settlement process” when describing a structured settlement factoring transaction.


FACT or FICTION? Novation Capital participates in the structured settlement  process FICTION



FACT or FICTION? Novation Capital buys structured settlement cash flows.” FACT. Note that Novation buys structured settlement payment rights, otherwise known as structured settlement receivables

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FACT or FICTION?  Novation Capital is a settlement purchaser. FACT


FACT or FICTION? Novation Capital is the leader in structured settlements FICTION. They do not do structured settlements. Novation may be one of the leaders in structured settlement factoring transactions which is separately defined under the United States Internal Revenue Code at IRC 5891(c)(3). Structured settlements are defined at IRC 5891(c)(1).

And the fact remains that whether you’re dealing with Novation Capital or Novation Settlement Solutions, they can’t carry J.G. Wentworth’s lunch box, let alone a finger sized tea sandwich.

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