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: Federal Trade Commission

123 Lump Sum: False Advertising Exhibit #1 For the Federal Trade Commission?

December 16, 2009

Following my open letter to Jon Liebowitz, The Chairman of the Federal Trade Commission in Washington DC and the publication of this blog, the misleading video published by Structured Asset Funding/ 123 Lump Sum was removed.
FINALLY Factoring Companies Begin to Turn On “Cash Now” Reprobates in Their Ranks

November 4, 2009

by Structured Settlement Watchdog Prosperity Partners is using its blog network to attack what we have been attacking all along, the false claims of cash now made by certain factoring companies. "There’s a great push going on these days to expose structured settlement (factoring) companies that aren’t being completely honest with their clients. They claim…
FTC Is Set To Tighten Rules on Paid Testimonials on The Internet

June 21, 2009

The US Government is considering requiring online writers to disclose any compensation received for promoting products or services. This move aims to address issues in the structured settlement industry, where paid testimonials, including misleading endorsements like those from John Edwards, obscure conflicts of interest and mislead consumers. The FTC will vote on these new rules…
123 Lump Sum’s Dubious Claims that ” Easy as 123 You Get Your Cash TODAY

April 16, 2009

As previously covered the company’s moral compass is skewed to include the solicitation of accident victims to sell their structured settlement payments to buy luxury cars and boats (i.e. depreciating assets)
FTC to Clamp Down on Dubious Product Statements on Social Media

April 3, 2009

Revised guidelines on endorsements and testimonials by the Federal Trade Commission, now under review and expected to be adopted, would hold companies liable for untruthful statements made by bloggers and users of social networking sites who receive samples of their products.
“Financial Crack” Dealer Now Offering FAST Cash Now

April 1, 2009

To any reasonable person and most dictionaries, “NOW” means “immediately” or “at once.” So, does FAST Cash Now mean faster than immediately, like some kind of time-bending wizardry? Seriously, how does that even work? C’mon!
Structured Settlement Cash Now Question Should Go To Federal Trade Commission

January 1, 1970

The cash now pusher’s defense of the practice tends to be a weak “depends on on what you mean by cash now”. Most concede that even though they say “cash now” they cannot deliver “cash now” as the advertising would lead any person reading or watching the advertising to expect.
“Cash Now” Imperial Structured Settlements…6 Months And counting!

January 1, 1970

When is the Federal Trade Commission (FTC) going to conduct an investigation into those factoring companies that continue to advertise “cash now” and “money now” but cannot deliver on their advertising promises?
Is Colonial Settlement Partners, LP Faking It?

January 1, 1970

Pardon my skepticism but one has to wonder how many souls in desperate need of cash would write a two part shaggy dog story instead of first searching in the Internet

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Category: Federal Trade Commission