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.
Understanding Structured Settlements: Liable or Guilty?

Understanding Structured Settlements: Liable or Guilty?

by Structured Settlement Watchdog

Guilty pay structured settlement 123 lump sum funny

Rocky could agree to a structured settlement under the 123 lump Sum definition. He’s guilty alright.

123 Lump Sum is a structured settlement factoring company based in Fort Lauderdale Florida. Factoring companies solicit people who are receiving structured settlement payments and offer pennies on the dollar for liquidity in exchange for structured settlement payment rights. 

One of the two principals of 123 Lump Sum is an attorney. Surely a board member of the National Association of Settlement Purchasers knows that a structured settlement is a form of consideration in a civil matter not a criminal matter. However, that has not stopped 123 Lump Sum from a silly blooper that wrongly informs consumers about the basics, claiming that a Defendant in a civil suit is guilty, as opposed to liable.

123 Lump Sum stated on its website (see 8-24-2022 screenshot below )

“Let’s start with the basics. A structured settlement is an agreement reached during a lawsuit, where the guilty party agrees to pay the victim a specified amount of money in periodic payments.

We can have a laugh about this now, but really guys, this is rookie stuff.

 

123 Lump Sum website guilty party agrees to pay victim definition 8-24-2022

123 Lump Sum seems to have adopted old “Novation orange”

 

 

Coral Springs Co. Wholly Misleading Statement Re “Purchase of Structured Settlement Annuities” – Structured Settlements 4Real®Blog October 29, 2023

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