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Structured Settlement IPA

If you are Selling a Structured Settlement we can help you. Our team of lawyers have been directly in thousands of structured settlement transfers.

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Secondary Market Annuities can be a great addition to your portfolio, if as many risk are mitigated as possible. Our Expert Attorneys can review and assist you in making educated decisions.

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Winning millions in the lottery is not all it seems, many pay outs are structured over time. Did you know you can sell all or part of your winnings paid over time to get a lumpsum payout now?

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Trying to Sell Structured Settlement?

SOX Act Slowing Up Public Companies, Trying to Sell Structured Settlement? Yes, of course it does.  Even the best, well laid plans and software throughout the year to accommodate SOX, will still slow down a public company’s finance departments end of year reporting for transparency; along with the annual, glossy, end of the year SEC

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Merry Holidays

Christmas or Christmas Day (Old English: Crīstesmæsse, meaning “Christ‘s Mass“) is an annual festival commemorating the birth of Jesus Christ,[7][8] observed most commonly on December 25[4][9][10] as a religious and cultural celebration among billions of people around the world.[2][11][12] A feast central to the Christian liturgical year, it is prepared for by the season ofAdvent or the Nativity Fast and initiates the season of Christmastide, which historically in the West lasts twelve days and

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Independent Professional Adviser Structured Settlements

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Independent Professional Adviser of Structured Settlements What an Independent Professional Adviser Does for Sellers of Structured Settlements in the state of Mississippi Independent Professional Adviser of Structured Settlements, Independent Professional Adviser Defined As stated in Mississippi’s code,  http://www.lexisnexis.com/hottopics/mscode/ , section 11-57-3(e) “ “Independent professional advice” means advice of an attorney, certified public accountant, actuary or […]

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San Bernardino Independent Professional Adviser

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San Bernardino County Independent Professional Adviser San Bernardino County:  Case is “Thrown Out” Because of No Independent Professional Adviser   Courts have no time for inadequate representation.  This was the case in mid July 2014, and the seller’s case was thrown out.   The seller of the structured settlement entered into contract with a transfer […]

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LA County Residents Watch OUT: Notice of Hearings and Petitions Better Be Going to Your Right Address for Your Structured Settlement Payment Rights Transfers

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LA County Residents Watch OUT:  Notice of Hearings and Petitions Better Be Going to Your Right Address for Your Structured Settlement Payment Rights Transfers   Especially if you are the one selling the structured settlement! There is a delay in time when letters are sent to the wrong address.  Contracts are signed late.  Notice of […]

The post LA County Residents Watch OUT: Notice of Hearings and Petitions Better Be Going to Your Right Address for Your Structured Settlement Payment Rights Transfers appeared first on Structured Settlement Advisor (855) 313-3327.

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San Bernardino Independent Professional Adviser

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San Bernardino County Independent Professional Adviser San Bernardino County:  Case is “Thrown Out” Because of No Independent Professional Adviser   Courts have no time for inadequate representation.  This was the case in mid July 2014, and the seller’s case was thrown out.   The seller of the structured settlement entered into contract with a transfer […]

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Thanksgiving Feast

Thanksgiving Feast or NATIONAL FEAST The Continental Congress proclaimed the first national Thanksgiving in 1777. A somber event, it specifically recommended “that servile labor and such recreations (although at other times innocent) may be unbecoming the purpose of this appointment [and should] be omitted on so solemn an occasion.” Presidents Washington, Adams and Monroe proclaimed

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Thanksgiving History

Thanksgiving History:  Thanksgiving is a particularly American holiday. The word evokes images of football, family reunions, roasted turkey with stuffing, pumpkin pie and, of course, the Pilgrims and Wampanoag, the acknowledged founders of the feast. But was it always so? Read on to find out… This article explores the development of our modern holiday. For […]

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Independent Professional Advice When Selling Your Structured Settlement in California

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The Importance of Having “Independent Professional Advice” When Selling Your Structured Settlement in California The state of California mentions “independent professional advice” roughly 7 times in their code that governs selling structured settlement payments [See California Code of Insurance 10134-10139.5].  Of all the states in the United States, this is the longest states’ interpretation of […]

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Independent Professional Advice from a Structured Settlement Attorney

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Independent Professional Advice from a Structured Settlement Attorney   You have the right to Independent Professional Advice from a Structured Settlement Attorney Eugene Ahtirski 800.200.4384 Andres Financial Group is a highly professional group in Independent Professionals providing advice in the transfer of structured settlements. Associates across the US, with the ability to pool all our

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Reason to have a Structured Settlement Advisor

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Just another reason to have a Structured Settlement Advisor I just came across this article which shows just why it is so important when selling your structured settlement you seek Independent Professional Advice from a Structured Settlement Attorney that works independently protecting the rights and best interests of the sellers. It is unclear at this

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Structured Settlement Advisor

New Hampshire Transfer Payment Rights

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New Hampshire Residents:  Must go out of State to Transfer Payment Rights You may have an opportunity to still transfer structured settlement payment rights even though New Hampshire does not have a Structured Settlement Protection Act.   According to the National Association of Settlement Purchasers, “This state [New Hampshire] does not yet have its own

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Structured Settlement Advisor

District of Columbia Transferring Structured Settlement

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District of Columbia Residents:  Transferring Structured Settlement Payment Rights The District of Columbia does not have its own structured settlement transfer law enacted, and therefore, residents cannot transfer their payment streams in their state, BUT: According to the National Association of Settlement Purchasers (NASP), the District of Columbia “…MAY allow you to transfer your structured

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Structured Settlement Advisor

Ohio Independent Professional Advice

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Ohio Residents:  You must have independent professional advice Ohio’s Structured Settlement Protection Act (SSPA) defines “independent professional advice”:   2323.58(E) “Independent professional advice” means the advice of an attorney, a certified public accountant, an actuary, or any other licensed professional adviser if all of the following apply: (1)  The payee has engaged the services of

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Structured Settlement Advisor

North Carolina Independent Professional Advice

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North Carolina Residents:  You must receive independent professional advice If you are living in North Carolina, and wish to transfer your structured settlement payment rights, you absolutely, must receive the “independent professional advice” as required by law: Article 44B Structured Settlement Protection Act (SSPA), defines an independent professional adviser: 1-543.11.(3) “Independent professional advice” means advice

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Structured Settlement Advisor

Missouri advice from Disinterested Counsel

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Missouri Residents:  You are required to receive advice from “Disinterested Counsel” Below we cite the Missouri code that defines “Disinterested Counsel” and we cite the actual “requirement” code for disinterested counsel during the transfer of your structured settlement payment rights.  Missouri residents do not have a choice,  you must obtain disinterested counsel to transfer your

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Structured Settlement Advisor

Minnesota Independent Professional Advice

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Minnesota Residents:  You must receive independent professional advice If you reside in Minnesota and are interested in selling your structured settlement payment rights, you must obtain the advice from an independent professional adviser. Below we cite the code that defines independent professional advice, and we cite the code that REQUIRES you to obtain independent professional

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Structured Settlement Advisor

Maryland Independent Professional Advice

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Maryland Residents:  You must have independent professional advice   If you are a Maryland resident and you are interested in selling your structured settlement payment rights, you must obtain independent professional advice.  Below we cite how Maryland defines independent professional advice, and then we cite the code that REQUIRES you to have independent professional advice.

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Structured Settlement Advisor

Your Structured Settlement Payments

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Who Pays For Your Independent Professional Adviser and the Court Fees During the Sale of Your Structured Settlement Payments You Don’t Pay a Dime    The transfer company pays for everything:  court fees and your independent professional adviser.  This is

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Structured Settlement Advisor

North Carolina Structured Settlement

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North Carolina Structured Settlement Protection Act Article 44B. Structured Settlement Protection Act. § 1-543.10. Title. This Article may be cited as the North Carolina Structured Settlement Protection Act. (1999-367, s. 1.) § 1-543.11. Definitions. For purposes of this Article: (1)

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Structured Settlement Advisor

Sale of Structured Settlement Payments in Iowa

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Sale of Structured Settlement Payments in Iowa Sale of Structured Settlement Payments are a Different Beast in Iowa   Consumer Protection laws vary from state to state depending on the demands of it’s predominant industries and demographics.  There are more

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Structured Settlement Advisor

Who Pays For Your Independent Professional Adviser

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Who Pays For Your Independent Professional Adviser and the Court Fees During the Sale of Your Structured Settlement Payments You Don’t Pay a Dime    The transfer company pays for everything:  court fees and your independent professional adviser.  This is

The post Who Pays For Your Independent Professional Adviser and the Court Fees During the Sale of Your Structured Settlement Payments appeared first on (855) 313-3327.

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Structured Settlement Advisor

Selling Your Structured Settlement Payment

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Selling Your Structured Payments Mississippi Top Ten “Need to Know” Quick Facts About Selling Your Structured Payments   You can sell your structured settlement payments in Mississippi (Title 11, Chapter 57, sections 1-15) http://www.lexisnexis.com/hottopics/mscode/ You need court approval (Title 11,

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Structured Settlement Advisor

Having an Independent Professional Advisor Selling a Structured Settlement

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The Importance of Having an “Independent Professional Advisor” in Selling a Structured Settlement Part II   But what if the “independent professional advice” came from an attorney or other legal professionals that were hired by the Factoring Company to give

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Structured Settlement Advisor

Sale of Structured Settlement Payments in Iowa

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Sale of Structured Settlement Payments in Iowa Sale of Structured Settlement Payments are a Different Beast in Iowa   Consumer Protection laws vary from state to state depending on the demands of it’s predominant industries and demographics.  There are more

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Structured Settlement Advisor

Selling Structured Settlement

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The Importance of Having an “Independent Professional Advisor” in Selling a Structured Settlement Part VII Continuing from Part VI we left off at discussing Section 10139 (a), and what it states, and what it doesn’t state.  To fully pick up

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Independent Professional Advisor Helps Consumer

Independent Professional Advisor Helps ConsumerIndependent Professional Advisor :  Comparison of Court Terms Court language can get tricky because of similar words used in phrases, or some concepts are used in Civil Court, and others for Criminal Court, but the meanings are VASTLY different.  Take a look:   Beyond a Reasonable Doubt – requires that the

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Independent Professional Advisor Helps Consumer

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Independent Professional Advisor Helps Consumer:  Comparison of Court Terms Court language can get tricky because of similar words used in phrases, or some concepts are used in Civil Court, and others for Criminal Court, but the meanings are VASTLY different.  Take a look:   Beyond a Reasonable Doubt – requires that the prosecution in criminal

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Structured Settlements and California Residents

Structured Settlements and  California Residents By AFG Newswire Nov.30, 2014 2:10 p.m. Block 15.6  Article 2.3 Transfers of Structured Settlement Payment Rights Part 13 California Residents:  What the Transfer Company Can’t Make You Do   They Can’t Lock You Into Selling They Rest of Your Payments With Them!   10138(a)(12) “Any provision that creates a

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California Residents

By AFG Newswire Nov.30, 2014 12:46 p.m. Block 15.5  Article 2.3 Transfers of Structured Settlement Payment Rights Part 12 California Residents:  What the Transfer Company Can’t Make You Do   They Can’t Make You Enter Into a Security Interest Agreement that Exceeds the Actual Dollar Amount of Your Transfer.   10138(a)(11) “A provision that provides

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California Residents

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By AFG Newswire Nov.30, 2014 11:53 a.m. Block 15.4  Article 2.3 Transfers of Structured Settlement Payment Rights Part 11 California Residents:  What the Transfer Company Can’t Make You Do   They Can’t Change California as Your Court Venue if You’re from California, and the Original Incident Happened in a Different State, and/or Other Involved Parties

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Transfer Company

By AFG Newswire Nov.30, 2014 9:59 a.m. Block 15.3  Article 2.3 Transfers of Structured Settlement Payment Rights Part 10 California Residents:  What the Transfer Company Can’t Make You Do   They Can’t Choose Which State Your Court Proceedings Will Be Heard and Decided! 10138(a)(9)”If the payee is domiciled in California at the time that the

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What the Transfer Company Can’t

By AFG Newswire Nov.22, 2014 2:52 p.m. Block 13.4  Article 2.3 Transfers of Structured Settlement Payment Rights Part 2 California Residents:  What the Transfer Company Can’t Make You Do   10138(a)(1) “Any provision that waives the seller’s right to sue under any law, or in which the seller agrees not to sue, or that waives

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Transfer Company Can’t Make You Do

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By AFG Newswire Nov.22, 2014 12:31p.m. Block 13.3  Article 2.3 Transfers of Structured Settlement Payment Rights California Residents:  What the Transfer Company Can’t Make You Do, Part 1   10138(a) is the opening, enabling paragraph to 10138, and is 2 sentences long.   (10138 has it’s opening paragraph, lists twelve (12) prohibited provisions, then has

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Cancel if You Need To

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By AFG Newswire Nov.13, 2014 4:27 p.m. Block 12.3  Article 2.3 Transfers of Structured Settlement Payment Rights 10136(e) You Can Break a Provision, and Cancel if You Need To….   There is a provision in 10139.5(a)(6) that states, “The payee understands and does not wish to exercise the payee’s right to cancel the transfer agreement.” 

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Disclosure Statement

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By AFG Newswire Nov.13, 2014 4:27 p.m. Block 12.2 Article 2.3 Transfers of Structured Settlement Payment Rights 10136(d) Disclosure Statement Must Promote Lawful Adherence of Transfer Agreement   10136(d) states, ” The contract for transferring the structured settlement payment rights may not violate Section 10138”   10138 has 12 little sections that are prohibited provisions

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Your Right to Cancel the Transfer

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Block 12.1 Article 2.3 Transfers of Structured Settlement Payment Rights 10136(c)(13) Your Right to Cancel the Transfer Agreement is Stated in the Disclosure Statement   This article and the last thirteen (13) articles have been about what is required by law to be in the Disclosure Statement; that is what 10136(c) et al is all

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Treated Unfairly?

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Block 11.4 Article 2.3 Transfers of Structured Settlement Payment Rights 10136(c)(12) Treated Unfairly?  Your District Attorney is Here to Help.   And the Attorney General too.  According to 10136(c)(12), the transfer company has to put a statement in the Disclosure Statement to the consumer stating, if you feel you are being ripped off, treated unfairly,

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Challenges Posed by Court Procedures for Structured Settlement Transfers

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By AFG Newswire October 4th 2014 11:56 a.m.   Challenges Posed by Court Procedures for Structured Settlement Transfers   The transfer company has the responsibility of filing, preparing, and presenting the case in court, but you have the responsibility of gathering evidence and answering questions in court.  In recognition of the challenges this can present,

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Findings of Court for a Successful Structured Settlement Transfer

By AFG Newswire Sept. 22, 2014 9:26 a.m. 15 Necessary Findings of Court for a Successful Structured Settlement Transfer   In 2009, California Senate Bill 510 passed and gave the Courts a larger role in protecting the best interest of people selling their structured settlement payment rights.   Legislators listened to their constituents who voiced

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Want to Sell Your Structured Settlement

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By AFG Newswire Sept. 17, 2014 9:30 p.m.   Want to Sell Your Structured Settlement; Need too Much Future Medical Help?   Do you have your own health insurance?  Is it sufficient to cover those future medical expenses?  These are the types of questions and more that an independent professional adviser will ask you to

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What Constitutes a “Dependent” During a Structured Settlement Transfer

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What Constitutes a “Dependent” During a Structured Settlement Transfer in Court, and Why is it so Important?   California‘s Structured Settlement Protection Act, or the California Insurance Code Section 10134-10139.5 has nine clauses that mention “dependents”.  Let’s walk through all nine, in the order as listed in the actual code.   Number 1, Definition.  Number

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What Makes a Structured Settlement Transfer Effective

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By AFG Newswire August 25, 2014 5:01 p.m.   What Makes a Structured Settlement Transfer Effective   A final court order makes a structured settlement transfer effective.  You can’t make a deal without going to court and getting approval.   California Insurance Code 10139.5, and what follow, simply state in the opening paragraph, “…has been

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Pre Issued Annuity Pays Off

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Pre Issued Annuity Pays Off By AFG Newswire b42 August 3, 2014 1:54 p.m.   Pre Issued Annuity Pays Off:  Steering Clear of Snags With Proper Legal Mitigation   For a notably small fee ($600-$5,000) for such a large investment, proper legal mitigation for the court filings and inspections of court documents is a worthwhile

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Structured Settlement Transfer Granted San Bernardino County

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By AFG Newswire August 4, 2014   Structured Settlement Transfer Granted San Bernardino County Structured Settlement Transfer “Granted”:  a San Bernardino County Resident, a New York Transfer Company, and a Sacramento Law Firm-With No IPA.   At the end of July, a San Bernardino County resident transferred his payment rights successfully to a bank based

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Independent Professional Adviser to Your Rescue

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The Independent Professional Adviser to Your Rescue:  Going Up Against the Insurance Giants When Transferring Your Structured Settlement Payment Rights   Let’s go over some real life collisions/accidents in California that ended in settlements:    Settlement:  $2,409,000.00-“Wrongful Death Arising Out of Traffic Accident Involving Truck-Insured’s truck driver attempted to make a left turn across highway

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Southern California Structured Settlement Transfers

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AFG Newswire July 12, 2014 12:18 p.m. PDT  Southern California Structured Settlement Transfers eFiling Speeds Up Court Time for Structured Settlement Transfer Cases-But Not By Much   If you haven’t noticed, the Courts are overwhelmed with cases and paperwork, statewide.  Electronic filing saves the courts time and saves petitioners and attorneys time and paperwork.  

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Independent Professional Adviser Interprets Disclosure Statement

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By AFG Newswire July 9, 2014 11:56 a.m. PDT   Independent Professional Adviser Interprets Disclosure Statement Structured Settlement Transfers are Still Confusing   For an interpretation on money matters in the disclosure statement see our last article, “The Disclosure Statement for a Structured Settlement Transfer:  What They’re Really trying to Tell You With the Numbers”. 

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Successful Structured Settlement Transfers in Los Angeles

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What Makes Successful Structured Settlement Transfers in Los Angeles Superior Court   For Successful Structured Settlement Transfers in Los Angeles: Be Prepared for Your Interview with the Judge The types of questions the judge may ask you: Have you provided a declaration for the transfer company?  This is a financial income, and outgoing and asset

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The Validity of Law is Not Related to Morality Structured Settlement Transfers & Independent Professional Advice

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The Validity of Law is Not Related to Morality when it comes to Structured Settlement Transfers & Independent Professional Advice  Structured Settlement Transfers, Legal vs. Moral What is legal does not mean it is moral.  Do not confuse the two words.  Just because a judge can approve your transfer when you do not have an adviser,

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Seller Voluntarily Backs Out of Transfer in San Bernardino

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Seller Voluntarily Backs Out of Transfer in San Bernardino Superior Superior Court at the Last Minute 2014    Transfer Started in December of 2013 The seller communicated with a transfer company in December of 2013 to sell their structured settlement payment rights.  The transfer company filed the proper court papers with San Bernardino Superior Court.  The

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Example of a Violation that Could Deny Your Transfer of Structured Settlement Payment Rights

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Example of a Violation that Could Deny Your Transfer of Structured Settlement Payment Rights Part I   Reminder:  This is Why You Want an Independent Professional Adviser…  …to avoid snags,  delays,and a Violation that Could Deny Your Transfer of Structured Settlement Payment Rights.  The following example is a real life snag: Example One:  The transfer

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Number One Question in LA County When Selling Structured Settlements

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The Number One Question in LA County When Selling Structured Settlements:   Do I have to go to court if I want to transfer my structured settlement in Los Angeles County California? Yes, but you are not being summoned to court; there are no plaintiffs or defendants; no one is suing anyone; it is a

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How to Tell: Am I Getting a Fair Price

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How to Tell:  Am I Getting a Fair Price?   To answer the question, am i getting a fair price? You should really exercise your right to an Independent Professional Advisor. The states have set up consumer protection laws directly for this purpose. Some states they are mandatory, and in others they are fee to

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ARE YOU BEING TREATED FAIRLY? Do you need an Independent Professional Advisor

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ONE QUESTION:  ARE YOU BEING TREATED FAIRLY? Do you need an Independent Professional Advisor? FACT: CA JUDGES WANT TO SEE SELLERS RECEIVE IPA ADVICE FACT: CA SELLERS ARE ENTITLED TO OBTAIN IPA ADVICE AT NO COST! FACT: IPAS INCREASE CHANCES OF COURT APPROVAL AND OFTEN SPEED UP PROCESS FACT: IPAS CAN OFTEN GET YOU MORE

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Most Misunderstood Legal Courthouse Terms

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Article 2.3 Transfers of Structured Settlement Payment Rights Most Misunderstood Legal Courthouse Terms  A-C   Acquittal – Finding of not guilty Adjournment – Postponing or recessing a court hearing Adjudicate – To exercise judicial authority in settling a case Affidavit – A written statement given voluntarily and under oath Answer – The defendant’s response to

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Part 14 California Residents

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By AFG Newswire Nov.30, 2014 2:41 p.m. Block 15.7  Article 2.3 Transfers of Structured Settlement Payment Rights Part 14 California Residents:  What the Transfer Company Can’t Make You Do   The Transfer Company Can’t Ignore Any of These Instructions, Nor Can YOU.   10138(b) “The provisions in this section may not be waived by agreement

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Structured Settlement Advisor

Riverside County Independent Professional Advisors

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Riverside County Independent Professional Advisors Residents of Riverside County are provided with a variety of services and programs that make this county an ideal place to live and play. Riverside County is the fourth largest county in the state, stretching nearly 200 miles across and comprising over 7,200 square miles of fertile river valleys, low deserts, mountains,

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Sell your structured settlement in Alaska, with Independent Professional Advice

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Sell your structured settlement in Alaska, with Independent Professional Advice Nicknamed “The Last Frontier”, the state of Alaska has a rich and diverse history for its challenging terrain and abundance of resources. Bought by US Secretary of State William H. Seward in 1867 for $7.2 million (over $116 million in 2012 dollars – what a deal!),

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Nation Wide Structured Settlement IPA

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Nation Wide Structured Settlement IPA There are actually only 10 states that require an IPA, or independent professional advisor; in a structured settlement transfer or lottery payment transfer. We have touched on those states in other blogs,and continue more in-depth articles on those states as we go. Then there are the other states like California,

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North Carolina Structured Settlement Protection Act

 North Carolina Structured Settlement Independent Professional Advisors Andres Financial Group 855-313-3327 Structured Settlement Attorney Eugene Ahtirski   § 1-543.10.  Title.   Article 44B. Structured Settlement Protection Act.   This Article may be cited as the North Carolina Structured Settlement Protection Act. .)   § 1-543.11. Definitions. For purposes of this Article: (1)               “Annuity issuer” means

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Must Have IPA , independent professional advisor; States

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Must Have IPA , independent professional advisor ; States Alaska Eff. Date: 08/12/2003 Alaska Code § 09.60.200 & § .09.60.23 Disclosure of Key Terms to payee required. [ 1 ] Payee must receive independent professional advice regarding implications of the transfer Delaware Eff. Date: 07/26/2000 Delaware Code, title 10, § 6601 & § 6602 Payee must receive independent financial advice.

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Andres Financial Group LLC. - Independent Professional Advisors (855)313-3327

Why are Judges Pushing Independent Professional Advice?

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Why are Judges Pushing Independent Professional Advice? Lately there has been an industry shift where the Judges who preside over structured settlement transfers, having been continuing cases in order to give the payee time to find qualified independent professional advice. But why? The Structured Settlement Protection acts have been in effect for awhile now, so

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AFG - Independent Professional Advisor

The role of your Independent Professional Advisor

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What is the role of your Independent Professional Advisor? If you are selling your structured settlement then you have probably heard the phrase and maybe even told you do not need one by the funding company. Truth is even if you have everything perfect the judges in California( atleast) will continue your case to give

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Blog

 Independent Professional Advice Andres Financial Group recognized as a leader in the structured settlement transfer, secondary market annuity  industry. Providing Independent Professional Advice to sellers and buyers in future payment stream sales. With a unique set of skills matched by no others, and a network of Attorneys and professionals and having thousands of transfers as

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Independent Professional Advisors