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
about
Category: Independent Professional Advice
Independent Professional Advice includes commentary, analysis, and documentation relating to the role, standards, and practice of Independent Professional Advice (IPA) in structured‑settlement transfers. This category covers judicial expectations, advisor obligations, consumer‑protection concerns, case law developments, and industry behavior surrounding the requirement that sellers receive competent, conflict‑free guidance before completing a factoring transaction. For even more information visit Independent Professional Advice for Structured Settlements
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It’s disappointing when so-called experts providing independent professional advice on structured factoring transactions, don’t articulate their business properly. How can any consumer feel confident in such IPA when you consider the following, from a California Structured Settlement IPA?
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According to the Complaint, the action seeks to redress JG Wentworth’s unfair, deceptive and fraudulent conduct that has caused MO consumers to not receive advice of disinterested counsel when evaluating offers to buy structured settlement payments, and subsequently obtain less than fair value of their settlement to the benefit of (JG) Wentworth
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Patrick Daniel, a Houston personal injury lawyer, member of the LA and TX bars, advised his client to accept a structured settlement one day, while on another day, directly or indirectly enters into a contract with client to buy their structured settlement payment rights at a grotesque discount
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Charles E Smith advised an illiterate, intellectually disabled young woman to sell her structured settlement for a small and severely discounted amount of cash, without meeting her or providing counsel on the potential consequences, according to the complaint.
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“I want to understand not only how this company (Access Funding) has been engaging in these practices, but also whether broader reforms are necessary to protect vulnerable families from dishonest financial predators.” Rep Elijah Cummings
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Not only did the attorney not pay any attention to what was written to him, he provided stock responses that would never solve her financial issues. He said to go get a student loan when it was impossible to do so. The annuitant’s questions about his remarks which went unanswered and when he did answer…
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The La Jolla lawyer claimed in his IPA “we devoted substantial time to the consideration if the amount being paid was fair”. The lawyer missed the failed attempt by Olympic Financial, LLC 4 months prior with an 11.77% discount rate. Thus the credibility of the IPA, in this instance, must be questioned.