Factoring Companies & Structured Settlements
What Is a Factoring Company?
A factoring company purchases the rights to future structured settlement payments in exchange for a lump-sum payment today. In these transactions, the settlement recipient transfers future payment rights to the factoring company, which then collects the payments when they become due.
Because the company assumes future payment rights, the lump-sum amount offered is typically much lower than the total value of the payments being sold.
Why Structured Settlements Are Designed to Last
Over Time
Provides predictable payments designed to support future financial needs.
Protection
Helps reduce the risk of quickly exhausting settlement funds.
Advantages
Many structured settlement payments offer favorable tax treatment.
Security
Supports ongoing medical, educational, and living expenses over time.
The Real Cost of
Selling Future
Payments
Factoring transactions often involve substantial discounts from the actual value of future payments. Individuals may receive only a portion of the total amount their structured settlement would ultimately provide.
What appears to be a quick financial solution today may reduce the resources available for future healthcare needs, living expenses, and long-term financial stability. Courts frequently review these transactions carefully because of their potential impact on financial security.
The Trust We've Built Over Decades
For decades, Ringler has earned the confidence of individuals, attorneys, and insurance professionals through objective guidance, personalized solutions, and a commitment to helping clients achieve meaningful outcomes.
Evaluate why immediate funds are needed and whether alternative solutions exist.
Consider how selling payments may affect future income and financial security.
Work with experienced settlement professionals before making a permanent financial decision.
Ringler's Commitment to Consumer Protection
Ringler has long advocated for protecting injured individuals and their families from financial decisions that may jeopardize their future security. Our consultants focus on education, planning, and helping people understand the full value of their settlement benefits.
Through objective guidance and customized settlement planning, Ringler helps individuals make informed decisions with confidence.
Structured Settlements Are Designed for Long-Term Protection
Built around individual financial needs and future goals.
Natoque luctus arcu nascetur, fringilla facilisi odio, vivamus quam.
Phasellus blandit parturient sodales augue tortor, purus vel vivamus.
Consequat habitant conubia molestie blandit, accumsan ante posuere.
Thinking About Selling Structured Settlement Payments?
Before making a decision that could impact your future financial security, speak with a Ringler consultant to better understand your options.
