by Structured Settlement Watchdog
Paymaster.co, one of the honeypots of unreliable information purporting to be about structured settlements, that are controlled by 
Jovan Johnson, California lawyer and self proclaimed chocolate chip cookie lover, is missing a tombstone on one of the competitor websites listed on the site.
Crowfly, LLC, was registered in New York 11-20-2017 and dissolved 10-21-2022, according to New York State public records. Then there’s this Crowfly.com for sale for $21K Plus Flag Day 2025 on GoDaddy. The ending for CrowFly was notably bookended by the local Buffalo media which boasted of glorious success in April 2022 and shuttering which was reported in August 2022.
Jovan Johnson had previously billboarded the names of companies in the primary market to drive traffic to his websites, Paymaster.co and Annuitypaymentfreedom.Net. Highlighting this in my 2023 blog resulted in Johnson removing the names of structured settlement companies in the primary market after receiving calls from several of them.
Structured Settlement Brokers Are Being Billboarded by San Francisco Lawyer Shilling Factoring – Structured Settlements 4Real®Blog 2025 April 2, 2023
Tracking Misinformation from Jovan Johnson Honeypots Since the Beginning of the Decade
Example 1
What is a Structured Settlement Company?
Jovan Johnson Inaccurate A structured settlement company is either a broker that helps set up payment streams to meet legal requirements or a buyer that purchases structured settlements.
Accurate A structured settlement company is a term that may refer to:
- a licensed insurance company that is issues structured settlement annuities;
- a licensed agent or broker under state insurance law, that is appointed by a structured settlement annuity issuer and/or issuers to sell its/ or their structured settlement products to the public;
- a licensed agency or brokerage under state insurance law, that is appointed by a structured settlement annuity issuer and/or issuers
Explanation
- Jovan Johnson lists companies that buy structured settlement receivables.
- Structured settlement receivables are not structured settlement annuities. Source: National Association of Insurance Commisisoners Statutory Issue paper No. 160
- Investors in Structured settlement receivables are expressly excluded from statutory protections in most states. See 2017 Revisons to Life & Health Guaranty Assocaution Model Act.
- While some of the companies listed by John may buy retirement annuities, none of the listed companies can buy structured settlement annuities because such annuities are usually purchased and owned by a qualified assignment company
Example 2
What is a Structured Settlement Buyer?
Jovan Johnson Inaccurate A structured settlement buyer is a company that provides cash up front to people with structured settlements in exchange for rights to future payments. These factoring companies normally buy future payments rights from structured settlements and annuity holders.
Accurate What is often referred to as a structured settlement buyer is a misnomer. A structured settlement buyer is an individual or company that uses its own or investors’ capital to buy structured settlement receivables, or portions thereof.
Disclaimer
The good natured Golden Gate Bridge image is not Jovan Johnson, however those are some tasty looking chocolate chip cookies and a honeypot. Who doesn’t like warm chocolate chip cookies, chocolate chip cookies as room temperature, or chocolate chip cookies with milk?