by Structured Settlement Watchdog
Unlocked a way to enable infants to sell their structured settlement? (Silly ad)
From the looks of things Fast Annuity Settlement Transfer has come up with “a real stinker” .
Of course “Diaper Jan”, an extremely young toddler cannot sell their structured settlement. What judge would approve it being in her best interest so soon after it was established by the approval of another (or possibly the same) judge?
“Gambled and Lost?”
DiaperJan’s facial expression suggests that it’s more of a case of “oops, gambled and lost”.
The FAST ad leans so hard into its own fantasy that it practically dares you not to notice. The imagery implies that an infant’s structured settlement could be sold, as if a judge somewhere might approve a transfer for someone who can’t walk, talk, or legally consent to anything. It’s the statutory equivalent of showing a baby who has “gambled and lost” and then suggesting the remedy is speed. The absurdity is the point: the ad markets a transaction that cannot occur, wrapped in confidence that no one will question the premise.
Unlikely to Happen
It is unlikely that a structured settlement established for a very young toddler one day could be sold the following day with a judge’s approval. Structured settlements are designed to provide long-term financial security for minors, and courts typically oversee these arrangements to ensure they serve the child’s best interests.
The above advertisement implies that FAST has meticulously navigated the structured settlement protection acts across all 50 states and the District of Columbia, which designate state court judges as the ultimate decision-makers. They have “finally found a way” to expedite the approval process for such transfers, positioning themselves ahead of competitors who traditionally wait until recipients reach the age of 18 before inundating them with solicitations.
Selling A Structured Settlement? Get The 411 on Cash Now. Don’t Be a Victim (4structures.com)

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