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: Structured Settlement IPA
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When so-called experts providing independent professional advice about structured settlement factoring, can’t articulate the fundamentals of structured settlements, the subject upon which they are providing independent professional advice, how can any consumer feel confident in such advice?
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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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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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As you read this there is no license required to work in the structured settlement secondary market AND there is no regulator in any state! Moreover, in many cases the structure is all these people have! I
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What should be the standard for independent professional advice for those selling structured settlement payments? Structured settlement protection acts, if properly enforced provide a measure of protection to structured settlement annuitants who seek to raise cash.
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Apparently an annuitant didn’t like the fact that his “independent financial advice” was not to sell his structured settlement (“was a bad deal”), so the annuitant sought other “independent financial advice” until they heard what they wanted to hear.
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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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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.
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The Baltimore lawyer, who will remain nameless ( for now) operates out of an office on Baltimore Street, ostensibly charges $3,000 effing dollars an hour. How can someone properly evaluate whether or not the structured settlement factoring transaction is in someone’s best interest in 15 minutes?