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
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about
Category: CrowFly LLC Commentary
CrowFly LLC Commentary is a collection of contemporaneous observations and blog commentary concerning CrowFly LLC and its 4 year journey from 2018-2022. CrowFly LLC operated out of the same address in downtown Buffalo New York as Milestone Consulting while Milestone was still contracted to structured settlement annuity issuing life insurance companies as a copy of an email from its former CEO to a third party revealed in 2018. It raised questions that were eventually answered,
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GHOST DIRECTORIES 101 by Structured Settlement Watchdog SettlementDirectory.net is the latest entry in the growing crop of anonymous, low‑effort “structured settlement directories” that pop up overnight on bargain‑basement hosting. Registered in late 2025 through Hostinger — the registrar of choice for small affiliate marketers — the site offers no disclosures, no ownership, and no credible…
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I guess crows don’t like to be “pigeonholed”. Can CrowFly, a Buffalo company that has no licenses be considered a financial institution? CrowFly LLC advertises on Google My Business that it is a Financial Institution. Is CrowFly LLC a financial institution, fintech platform, an exchange?
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Rising interest rates hurt structured settlement factoring originators like CrowFly. They cannot afford to get the pricing wrong on the originatons, because if interest rates move up and they’ve priced too low, they may not be able to move the paper to investors.
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Paid Google Ads for CrowFly LLC of Buffalo, NY, solicited investors to “purchase a structured settlement annuity” until its demise. It was misleading. CrowFly sold structrued settlement receivables not annuities. Our gallery serves as a public service to investors, consumers, regulators, and legislators.
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Factored structured settlement payments aren’t annuities or insurance products regardless of if the vendor, or salesperson is a licensed insurance agent. Investors in structured settlement receuvables should be forewarned that what they are buying isn’tan annuity and be guided accordingly.
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Ross Pearlstone of DCF Exchange acerbic response to CrowFly was that DCF “provides real people with the access to purchase rights to seller’s future payments”, adding in full dead pan crow “but we have (on occasion) worked with farm animals & aliens and lately business has been rather brisk”.
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Structured settlement annuities are not owned by individuals. Check any settlement agreement. Individuals can’t sell them. So you can’t buy structured settlement annuities from individuals. This is Structured Settlements 101 So why would Buffalo’s CrowFly advertise that you can when you can’t?
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It’s remarkable that people of color are Bair/CrowFly’s target image, when the well documented and ongoing predatory behavior of the structured settlement secondary market, in general, is color blind.
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Last week, John Bair was presented as a “former board member of the National Trade Association.” This week, he’s been described as merely “a former member of the National Structured Settlements Trade Association.” It seems like John Bair’s résumé is getting a makeover of a makeover!
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John Bair’s February 7, 2020 article CrowFly Examiner is stunning in its inaccuracy. What a disappointment, but unfortunately not unexpected of late. Why would John Bair reason that it’s acceptable to make an easily disprovable lie about this to potential customers?