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.

Judge’s Responsibility to See That Factoring Company “Servicers” Are Bonded As Part of Judge’s Oversight of Structured Settlement Factoring Transactions?

by John Darer CLU ChFC CSSC RSP

Much has been said of the state structured settlement protection acts which leave it to a judge to determine if the structured settlement factoring transaction is in the plaintiff's "best interest". Many judges are already doing a great job. But here's something that must be addressed.

It is imperative that JUDGE who reviews a structured settlement factoring transaction determine whether or not a servicing agreement will be in place as the result of the judge's approval of the transaction.

If such an agreement is to be in place shouldn't that purchaser be required to post a bond? Judges need to be acutely aware that the issue must be addressed in their review. Nobody has spoken out of the consequences to the annuitant if the "servicer" goes Chapter 7 and the judge is the last line of defense

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One response to “Judge’s Responsibility to See That Factoring Company “Servicers” Are Bonded As Part of Judge’s Oversight of Structured Settlement Factoring Transactions?”

  1. Matt Bracy Avatar
    Matt Bracy

    Servicing issues (that is, an entire payment being sent to one place, usually a factoring company, and then the unpurchased portion being sent to the annuitant) can indeed create some problems John. But, all of them would be cured by issuers agreeing to split payments.

    Reply

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