Get Your Lump Sum in 30–45 Days. Here’s Exactly How It Works.

Selling your structured settlement doesn’t have to be complicated. We’ve guided hundreds of clients through this process — and we’ll walk you through every step of yours.

What Is a Structured Settlement?

A structured settlement is a financial arrangement in which a claimant receives compensation for a personal injury, workers’ compensation case, or similar legal matter in the form of scheduled payments over time, rather than a single lump sum. These payments are typically issued by an insurance company and can span years or even decades.

If your life circumstances have changed or if waiting years for your money simply doesn’t make sense anymore you have the legal right to sell some or all of your future payments for a lump sum today. That’s exactly what Fortune does.

From First Call to Funded: 9 Steps, Plain and Simple.

Here’s what happens from the moment you decide to explore your options to the moment the money is in your account.

We Reach Out and Explain Your Options

Our team contacts you to explain the process and understand your situation. There’s no pressure, this is about making sure you have the information you need to make the right decision for you.

We Review Your Payments and Build Your Offer

We look at the specific payments you’re entitled to and build a customized offer around them. We typically only purchase a portion of your payments — keeping the rest intact if that serves your needs better.

You Receive a State-Required Disclosure Statement

Before anything is signed, we send you a disclosure statement required by your state. This document outlines the full financial details of the proposed transaction. Every state has a mandatory waiting period before you can proceed — this exists to protect you.

You Sign Your Contract Documents

Once the waiting period has passed and you’re ready to move forward, you sign your contract documents electronically via DocuSign. Simple and paperless.

We File the Petition with the Court

Our legal team files a petition in the state and county where you reside. A court hearing date is then scheduled, typically about 30 days after filing.

We Prepare You for Your Hearing

Before your hearing, we walk you through what to expect: the types of questions a judge may ask, how to present your reasons for the transaction, and what the process looks like. Most clients find it straightforward once they know what’s coming.

Your Court Hearing Takes Place

The hearing happens either in person or remotely via video call. A judge reviews the transaction to confirm it’s in your best interest — this is a built-in layer of consumer protection, not a complication. If approved, the judge will sign the court order.

Our Team Processes the Court Order

Once we receive the signed court order, our closing documents are reviewed by our banking partner. This step typically takes less than 48 hours.

You Receive Your Money

Funds are disbursed to your account. From first contact to funded, most transactions are completed in 30 to 45 days — with some states moving faster than others.

The entire process is court-approved, legally protected, and guided by our team at every stage. You’re never navigating this alone.

Your Questions, Answered.

How did you get my information?

Our research team reviews publicly available court records, which allows us to identify individuals who hold structured settlement payments. We reach out to make sure you’re aware of your options — there’s never any obligation to proceed.

How long does the process take?

Most transactions are completed in 30 to 45 days from start to finish. Timelines vary by state — Florida, Georgia, Illinois, and Texas tend to move faster, while states like New York and California can take longer due to court scheduling.

Why do I have to go in front of a judge?

Federal and state laws require that a judge review and approve every structured settlement transfer. This exists entirely to protect you — the judge’s job is to confirm the transaction is in your best interest before it proceeds. It’s consumer protection built into the law.

Can I receive any money before the court hearing?

Yes. For clients who qualify, we offer an advance program that can provide funds before the court date. Ask your representative for details.

Is my settlement information confidential?

We protect your privacy at every step. Note that some courts may require disclosure of settlement details to finalize your transaction.

Do I have to sell all of my payments?

No. In most cases we purchase only a portion of your future payments — the amount that makes sense for your situation. You keep the rest. Our goal is to find the option that works best for you, not the largest transaction for us.

Active in 47 States

Fortune Settlement Solutions works with clients across the country. Timelines vary by state some states have faster court scheduling than others. Reach out and we’ll let you know exactly what to expect in your state.

States Moving Fastest: Florida · Georgia · Illinois · Texas

¹ Fortune Settlement Solutions is not currently active in Minnesota (MN), South Carolina (SC), and Maryland (MD).

Get Started Today!

Ready to Find Out What Your Payments Are Worth?

It starts with a free, no-obligation quote. We’ll review your payments, build a custom offer, and answer every question you have no pressure, no commitment.