7 Reasons Customers Call 123LumpSum for Cash

In tough economic times, a structured settlement or annuity does not always provide the cash flow necessary to keep up with inflation and other rapidly rising bills. Everyone has their own unique situation; however there are some common themes as to individuals need to sell. Here are the 7 top reasons why customers call 123LumpSum to sell their structured settlement or annuity for fast cash.

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Fallen Behind on Mortgage Payments                

In a downturned economy many individuals find themselves behind on the basic necessities; this often includes their mortgage payments. Having a structured settlement or annuity does not provide a lump sum of cash to catch up on the payments. Selling the structured payment can help keep the family home out of foreclosure.

Car Needs

Some individuals are badly in need of a new car but either cannot get or do not wish to have a car loan. Others do not need a car but have a desire to own a new car. Either way selling a settlement or annuity can get individuals the fast cash they need to purchase the car that is needed or desired.

Long-Term Unemployment

One of the biggest economic problems in the world today is unemployment. The unemployment rate is soaring; many are unemployed for a year or even longer. Many more are underemployed. Cashing in a structured payment can provide the funds needed for a long-term unemployment after unemployment insurance runs out.

College Education Expenses

With college tuition now rising at a faster rate than inflation, the average college graduate will be paying off student loans until about retirement age. This is providing only the minimum payment is made. Paying cash upfront will save years of interest and headache. It also frees up more of the adult financial life to spend your money how you want rather than paying student loans.

Unexpected Medical Expenses

Even the healthiest could be faced with a medical tragedy at any given moment. Sickness could be faced; however, other issues such as a bad car accident could leave an individual or family faced with a pile of unexpected medical bills. Even those with the best medical insurance coverage could find the co-pays and deductibles more than they are able to pay.

Investment Opportunities

Placing your money in a bank savings or Certificate of Deposit account no longer makes you money the way it used to. With less than one percent interest on the majority of accounts, many people are looking for other ways to have their money make more money. When the right investment opportunity comes along, a stack of cash will help seal the deal and make a decent return on investment possible.


Whether you are employed full time, a stay at home mom, or retired working around the house, the pace of today’s lifestyle leaves everyone exhausted and ready for a much deserved vacation. Selling a structured settlement or annuity frees up the money to pay upfront and reduced the stress of owing a credit card or other loan type.

Do you see yourself in one of the above-mentioned scenarios? Or do you have a different reason that you need fast cash? If so, contact 123LumpSum for a quick cash settlement for your structured settlement or annuity. No matter what your situation, call today and put your financial stress to rest.

Pending lawsuit, Need Money Now?

In addition to the emotional and physical effects of being involved in a personal injury lawsuit, victims are also frequently faced with enormous medical and legal fees. Until the case is settled, these fees are the responsibility of the victim. Unfortunately, in most personal injury cases, the legal process is both long and complicated, often lasting several years.

During this period, victims must keep up with the costs associated with their case as well as their daily living expenses. This financial stress leaves many victims wondering whether it is possible to secure extra cash to help cover necessary expenses while awaiting their settlement.

Get cash for a pending lawsuit

Fortunately, getting cash for a pending lawsuit is possible. To help victims afford expensive medical bills and legal costs, certain companies specialize in providing pre-settlement cash advances that provide victims with a portion of their settlement upfront. The amount of cash a person will receive depends on the estimated value of the settlement, level of risk and the amount of time it will take to conclude the case. Victims are not required to make any payments towards the advance during their case. Instead, repayment will correlate with the period in which the settlement is received. Additionally, because the cash is an advance of your settlement and not a loan, you will not be required to repay the amount should you happen to lose your case.

While some victims may be wary of borrowing against their settlement, there are numerous advantages to accepting a pre-settlement advance. The first is that, unlike traditional bank loans, pre-settlement advances are extremely fast. In many cases, applicants can be approved within as little as one day and receive their money shortly thereafter. Making sure you get the money you need will not only help you continue to afford the best legal representation, but it will help you avoid quickly settling your case for less than you deserve due to financial hardship.

Another benefit of getting a settlement advance is that the process is easy and anyone who is currently pursuing a settlement may quality. Advances are not approved based on citizen status, credit history or income. As long as you are the victim in a personal injury case, medical malpractice case or even workers compensation case, you may be eligible to receive the cash you need.

If the costs associated with your personal injury case are making it difficult to stay above water, take the first step and request a quote from a trusted and experienced pre-settlement lender. Getting cash for a pending lawsuit is one of the best ways to eliminate stress and ensure that you remain afloat during this difficult time.

Understanding Selling Your Structured Settlements

Understanding Selling Your Structured Settlements

Are you currently receiving payments through a structured settlement? Are you interested in obtaining some or all of your future payments now? If so, 123 Lumpsum can help. We are a specialty finance company that applies expertise in institutional financing, underwriting, and the law to purchase future cash flows for our clients.

First, it is important to understand what we mean when we refer to a structured settlement.This term refers to anything in which you receive set payments at regular intervals over time. This type of payment system is the typical method for court decisions in your favor, insurance settlements, lottery winnings, and investment annuities. One drawback of this system is that the payments can lose their value over time due to inflation.This system also does not allow you access to a larger amount of what is owed you should you need it. Perhaps you need money to pay college tuition, make home improvements, consolidate your debts, go on a dream vacation, or make a down payment on a new vehicle, and you desire a way to tap into your settlement money today. Perhaps you simply want to have the money now to invest it your way.

This is where 123 Lumpsum can be of assistance. We will work with the court and your insurer to make sure your ransaction is in your best interests and approved! It is important to note that you do not necessarily need to purchase your entire settlement at once. We purchase settlements of virtually any length or value. You may be receiving your payments from an insurance company like Amica, Metlife, Prudential, John Hancock, or another well know insurance issuer. Whomever the company that issued the payments are we can explain how the transfer process works. We can also help discuss with your defending attorney and the settlement planners you may have worked with such as well known names like McKellar or Ringler who may have helped out in planning your initial structured settlement payment.

To get started, you can call us toll-free at 877-966-8669 or request your FREE quote online.

We can tell you how much your future payments are worth, and our settlement experts will assemble a solution customized to your individual needs and goals. We take pride in structuring each purchase to meet your specific financial objectives, and are at the ready to assist you.