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.
recent posts
- Corinthian Museum of Content Barfing — News Flash
- SettlementDecisions Episode 5: What SettlementDecisions Really Is — A Lead Funnel, Not an Information Source
- Structured Settlement Annuity Guarantees Help Financial Peace of Mind
- How Sheron Jones Was Exploited — And Why D.C.’s Failure to Mandate IPA in SSPA Enabled It
- Attorney Fee Structured Settlement Factoring
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Category: Bethesda Structured Settlements
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Are people of color the primary targets of pennies on the dollar for structured settlement merchants? According to the Access Funding previously confidential training manual, 70% of its targeted base is Black, 5% Hispanic/Latinx
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JG Wentworth cautions against large compensation lump sums, emphasizing they often lack long-term financial stability. Contrary to the common notion that structured settlements are awarded, they are actually negotiated. The company’s messaging highlights the importance of understanding payment structures and the potential risks of opting for immediate cash payouts.
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Maryland AG Brian Frosh announced the indictments of Raffi Boghosian, Charles Edward Smith, Jr., and Anuj Sud relating to their alleged involvement with the structured settlement factoring company Access Funding between 2013-2015 Each individual is charged with Theft Scheme Over $100,000 and Conspiracy to Commit Theft Scheme Over $100,000.
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At no time in 2015 were MetLife, Allstate, AIG, Prudential, Pacific, Hartford, Symetra, Transamerica, Liberty, Monumental, Genworth rated AAA. Access Funding’s statement about Genworth was a clown show. In 2015, Fitch affirmed a BBB rating on Genworth with an Outlook of Negative
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Financial advisors, licensed insurance agents and settlement planners who sell “subsets” of structured settlement payment rights, athlete contracts and such as “secondary market annuities” to unsuspecting clients are creating significant potential errors and omissions exposure and worse.
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Amber Dawson or Andrea Moore, VP of Underwriting Dept. of the nebulous “Transaction Audit Department” are not real people. It’s an inducement to get you to sell your structured settlement payments. That’s right, step right up and turn on the tap to get pennies on the dollar. Wow!
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Once the United States learned of Mr. Gargan’s embezzlement, it allocated new funds to purchase the agreed upon annuities for the victims. As a result, each of the settlement agreements listed in Count 1 have been fully satisfied (by the US. Government)
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If the payee entered into the structured settlement within 5 years prior to the date of the transfer agreement, then the transferee must provide notice to the payee’s attorney of record at the time the structured settlement was created California Code, Insurance Code – INS § 10139.5(f)(2)(L)
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Joe Gargan embezzled $6.925M from the United States plus more than $1M from a Westchester NY hospital, money earmarked for children. The United States transferred $15.925M to The Pension Company to purchase structured annuities and execute 6 settlement agreements from 2015-2019.
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When a cash now scam artist from NY ot FL tries to get you to sell your stable tax exempt structured settlement payments (lockedin at higher rates) for pennies on the dollar to put into investment program projecting 8%-11% eturns, consider the stark reality about the vicissitudes of the market: