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
- 🔥Founder and Former CEO of 777 Partners, Joshua Wander, Pleads Guilty⚖️ to $500 Million Fraud Scheme — DOJ Confirms Double‑Pledging, Misappropriation of Structured‑Settlement Funds, and Falsified Bank Statements
- The Steering Problem Needs a Wake‑Up Call
- Companies Still Using the Incorrect Term “Secondary Market Annuity”
- Canonical: Non‑Qualified Assignment (NQA)
- ⭐ THE 18–25 GUIDE TO STRUCTURED SETTLEMENTS
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Category: False Advertising Re Creating, Buying or Selling Structured Settlements
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Less than two years after Todd Lesk was permanently barred from FINRA in October 2023, MJ Settlements, a Coral Springs-based company led by Todd Lesk as CEO, continues to falsely claim on its website that it offers structured settlement annuities.
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If the factored structured settlement payment streams were annuity policies, they would generally have to be filed and approved in every state where they will be sold. What is being sold to retirees is not an annuity or an insurance contract. They are receivables. Don’t be fooled.
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Settle4Ca$h is just another example of how Purchasers of structured settlement receivables continue to try to commandeer the term “structured settlement companies” through surrogates. Stunningly poor research skills and utter failure of Lauren Ward to comprehend the subject matter.
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A few unethical denizens of the structured settlement factoring industry impersonate structured settlement annuity issuers (at least one claiming to be from “the Courts”. Structured settlement annuitants should not be confused or deceived. One insurer that has taken a very strong stand is Prudential. Following is a link to Prudential’s published tatement on the misuse…
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The article critiques the misleading practice of “years of experience stacking,” which allows companies to exaggerate their experience by summing individual broker years without clarity. It argues this is absurd, using humorous historical references and legal contexts. Ultimately, it emphasizes true credibility and transparency are pivotal in structured settlements.
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In the “Spurious Case of Gwendolyn Glutton”, a Florida operative in the structured settlement factoring interstitial, solicited a California structured settlement annuitant in a manner than needs to be exposed for the educational purposes, the good of humanity and connoisseurs of word salads everywhere.
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The content critiques J.G. Wentworth’s portrayal in Money Maker Magazine, arguing that it exaggerates the company’s role in structured settlements. It highlights discrepancies in their claims, such as not providing financial advice, and notes their history of bankruptcies. Overall, it argues that the magazine’s representation fails to reflect reality.
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It is well settled that factored structured settlement payment rights are not annuities. Factored Structured Settlement Receivables are an unregulated non-insurance product sold by legitimate companies as “”Structured Settlement Annuities” and “Secondary Market Annuities”. It’s just reckless at this point.
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As John Darer reviews, inaccurate information about structured settlements is useless to consumers. Silver Dollar Financial’s poorly constructed explanation regarding inheritance of structured settlements demonstrates a lack of fundamental understanding and is, quite frankly, nonsensical.
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The article discusses the risks of selling structured settlements, highlighting deceptive marketing tactics that misrepresent offers as lucrative. It references inflated claims by a factoring company likening the sale to a “jackpot,” while emphasizing that such sales result in significant losses. Selling structured settlements should be approached cautiously, as it’s not a game or lottery.