Pre-Settlement FAQ​

The settlement process can be difficult to understand and take quite a bit of time to resolve. While your attorney handles the paperwork, you are left to find money to pay your bills while you wait for your claim to settle. Pre-settlement funding can offer much-needed relief.

We try to make the process as easy for you as possible, but we understand that you might have some questions about it, or our company. Drawing on our years of experience, we answered some of the questions we hear most often below. If you do not see your question answered below, please call. Our representatives will be happy to help you.

Questions About Pre-Settlement Funding​

Pre-settlement funding is when a company buys a portion of your future claim in a lawsuit in exchange for cash you can use to cover costs such as medical expenses or living expenses while you wait for your lawsuit to be settled. In other words, it’s a cash advance. Then, when your attorney settles your claim, the company will receive the portion that they purchased.

Although pre-settlement funding is sometimes referred to as a “lawsuit loan”, it’s not actually a loan. When you take out a loan from a bank or financial institution, you are expected to repay that money, including interest. If you are unable to repay the loan, your credit score may be affected negatively, making it harder to borrow in the future. Additionally, depending on the terms of the loan, the lender may enact a forced asset sale to help recover the money you owe.

Conversely, pre-settlement funding is a sale of a portion of the potential proceeds of your lawsuit or personal injury claim. You do not have monthly payments to worry about–the cash is yours to spend however you like. Once your case is resolved, the company from whom you received funding will receive the deducted portion of the settlement proceeds they purchased. Your attorney receives their fee, and then you receive the remainder either as a lump sum or in the form of a structured settlement.

If your case is unsuccessful, you do not have to pay anything back and your credit will not be affected. It is an advance on your expected settlement proceeds, so the company can only receive the portion of your settlement proceeds they purchased. This is also known as non-recourse funding.

Because pre-settlement funding is an advance on the expected proceeds of your claim, how much you can receive depends on the size of your personal injury lawsuit and other things unique to your case. Peachtree Financial Solutions works with companies that can offer funding between $300-$750,000, depending on the details of your claim.

Every case is different, but funding companies always try to get you your money as soon as possible. They will need to speak with your attorney and review your case before giving you a final offer and asking if you agree.

No, your credit score or financial situation aren’t factors in gaining approval for funding. 

No! The application is free. You will pay nothing until your attorney settles your claim and then the company who offered the advance will collect the portion of your settlement proceeds that they purchased.

No, the companies that we work with that offer funding need to speak with an attorney about your case before they agree to buy a portion of your expected proceeds.

Your attorney will never be asked for anything that would violate attorney-client privilege.

If you accept the terms of the pre-settlement advance, your attorney is required to sign an “Acknowledgement by Counsel.” This verifies that they understand that you are selling a portion of your future proceeds and that they agree to work with the funding company to secure what they purchased once your claim is settled.

We work with companies that specialize in offering funding for personal injury claims, including:

  • Premises liability
  • Product liability
  • Medical malpractice
  • Auto accidents
  • Wrongful death

Companies are willing to buy a portion of your settlement proceeds because they believe that you have a strong claim. However, sometimes claims do get denied for various reasons. Losing your case can be frustrating and financially challenging, but one thing you do not have to worry about is paying back the funding company. Because pre-settlement funding is non-recourse, you will not have to make any payments to the company if you lose. The money you already received from the funder is still yours to spend, even if you have no settlement coming.

You can call us at any time if you have questions about pre-settlement funding. When you call, our representative will ask you a few questions about your case, including:

  • What type of personal injury claim you filed
  • How much your attorney expects you to receive
  • How close the claim is to settling

If you do not have everything ready before you call, do not worry about it! Our experienced representatives can answer your questions, so call today!

Questions About Peachtree Pre-Settlement Funding

We do not offer pre-settlement funding directly. Instead, we help match your case with a company that can offer you funding.

At Peachtree Financial Solutions, we have a lot of experience helping people obtain pre-settlement funding. Since 2005, we have helped thousands of people sell a portion of their settlement proceeds to get cash they can use while they wait.

Instead of trying to research who offers funding in your state for your type of personal injury, let our team help you. We will use our resources to find a company that offers pre-settlement funding in your state so you do not have to describe your case to multiple companies only to find that they do not offer pre-settlement funding in your state.

When you call Peachtree Financial Solutions, we will connect you with one of our representatives who can answer your questions and walk you through how the process works. If you are interested in pre-settlement funding, they will ask you a few questions about your claim and may need to contact your attorney. When we have the necessary information, your representative will try and find a company who might be interested in buying a portion of your expected proceeds.

If you decide to move forward, we will put you in touch with the funding company and they will continue the process from there.

Yes! After your claim is settled, you may receive the money that you are owed for your injury in the form of a structured settlement, which means you will receive your proceeds in a series of regular payments. If you need a larger lump sum of money in the future, Peachtree can buy some or all of your remaining structured settlement payments for cash you can spend sooner.

Have a specific question? Want to learn more?

Our team of friendly representatives is always happy to answer questions. We will be on your team and welcome you to bring your financial and tax advisors with you when discussing options for pre-settlement funding. Give us a call today at 1-800-316-1988 or fill out a form to get in touch with us.

Peachtree provides lead referral services related to pre-settlement funding and does not provide pre-settlement funding directly. All decisions regarding your pre-settlement funding transaction are made by the pre-settlement funding company that you choose to work with, not Peachtree. Peachtree receives a fee from the pre-settlement funding company for its services. Peachtree does not offer legal, tax, or financial advice. Please contact independent professionals for those services.

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