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.

Category: 321 Henderson Securitzation

  • 321 Henderson Under Review By Standard & Poors… A Side Issue Highlights Marketplace Identity Confusion

    321 Henderson is one of the JG Wentworth companies. The Fresno Rulings refer to cases in which the court found that various structured settlement factoring companies (S&P mischaracterizes as structured settlement companies) failed to comply with the CA Structured Settlement Protection Act and questioned the validity of numerous previously approved court -approved assignments

  • “At JG WENTWORTH, WE need cash now”?

    Are the fat Viking opera singers now belting out "We're JG Wentworth and WE need cash now!"? On November 26, 2008 Standard & Poor's cut counterparty and senior-secured bank loan ratings on J.G. Wentworth LLC, the "cash now pusher" firm that buys structured settlement payment rights, to 'CCC+' from 'B-', and warned it could cut AGAIN. "Wentworth's financial position could deteriorate…