Friday, April 10, 2009
Monday, April 6, 2009
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Federal Sentencing Guide
service $350
NEW Innovative DUI Trial Tools $99
Relentless Criminal Cross-
Examination $99
9th Circuit Criminal Law Reporter service $250
Employment
Age Discrimination Litigation $129
Deposing & Examining Employment Witnesses $99
Employment Evidence $99
Federal Employment Jury
Instructions $99
Litigating Employment Discrimination Cases $149
Litigating Sexual Harassment and
Sex Discrimination Cases $99
Estates and Trusts
NEW Asset Protection Strategies & Forms $99
Family
Determination of Income for
Child Support $99
Frumkes on Divorce Taxation $99
Insurance & Settlement
How Insurance Companies
Settle Cases $99
Insurance Settlements $129
Litigation
Building Trial Notebooks $99
Deposition Checklists & Strategies $99
Federal Trial Evidence $99
Federal Trial Objections: Civil and Criminal $99
Guerrilla Discovery $99
Handling Federal Discovery $99
How to Prepare for, Take and
Use a Deposition $99
Is It Admissible? $99
Legal Secretary Federal Litigation $99
Model Interrogatories $99
Preparing for Trial in Federal
Court $99
Qualifying & Attacking Expert Witnesses $99
Small-Case Litigation Forms $99
Trial Evidence Foundations $99
Trial Hearsay - Objections and Exceptions $89.98
Trial Objections $99
Triple-Threat Discovery Forms $79
Personal Injury
Deposing & Examining Doctors $129
Determining Economic Damages $99
NEW Exposing Deceptive Defense Doctors $99
Litigating Neck & Back Injuries $99
Maximizing Damages in Small Personal Injury Cases $99
Medical Evidence $99
Medical Proof of Whiplash $99
Personal Injury Forms: Discovery & Settlement $99
Personal Injury Trial Notebook $99
Proving Mental & Emotional
Injuries $129
Slip & Fall Practice $99
Social Security
Bohr's Social Security Issues
Annotated $129
Medical Issues in Social Security Disability $129
Social Security Advisory Service $149
Social Security Disability Advocate's Handbook $119
Social Security Disability Medical
Tests $129
Social Security Disability Practice $149
State-Specific
- California -
CA Causes of Action $99
CA Courts & Judges $149
CA Drunk Driving Law $129
CA Legal Secretary $99
CA Lien Claims in Workers' Compensation Cases $119
CA Objections $99
CA Pretrial Practice & Forms $129
CA Workers' Compensation Law & Practice $149
FORECITE California service $295
- Florida -
FL Causes of Action $99
FL Criminal Cases Notebook $125
FL Criminal Trial Procedure $99
FL Family Law & Practice $129
FL Family Law Trial Notebook $99
FL Legal Secretary $129
FL Pretrial Practice $129
FL Trial Objections $99
- Illinois -
IL Objections $99
IL Pretrial Practice $129
- New York -
NY Civil Practice Before Trial $129
NY Fire District Officers' Guide $125
NY Judge Reviews & Court
Directory $125
NY Motor Vehicle Accidents $99
NY Objections $89.98
NY Trial Notebook $119
- Texas -
TX Criminal Forms $99
TX Criminal Jury Charges $129
TX Criminal Lawyer's Handbook $129
TX DTPA Forms & Practice Guide $99
TX Employment Law $149
TX Estate Planning $99
TX Objections $99
TX Pretrial Practice $129
NEW TX Probate Forms and Procedures $99
TX Small-Firm Practice Tools $99
A printable version
of our 8-page catalogue is available for instant downloading, viewing and printing in PDF format. Complete book descriptions and
easy ordering!
We respect your privacy rights.
Insurance Settlements
by Ronald V. Miller, Jr. and Kevin Quinley, et al.
Add to Shopping Cart
View Items in Shopping Cart
Effective Approaches for
Settling Cases
Insurance Settlements (previously known as Insurance Settlement Handbook) opens long-locked doors to insurance claims departments, giving you an insider’s look at the settlement process. Discover in days what most plaintiff’s attorneys take years to learn. Veteran claims personnel reveal how to:
*
Demonstrate to the adjuster that you know what you are doing
*
Determine when and what to say for maximum impact
*
Help the adjuster sell your client’s damages to his superiors
*
Draft effective demand letters
*
Evaluate soft tissue injuries
*
Prove pain and suffering
*
Break cases free from common logjams
*
Get realistic offers from adjusters
*
Counter common insurance settlement tactics
*
Value cases using traditional insurance company techniques
*
Obtain top dollar
Insider tips from seasoned adjusters, claims managers, and top plaintiff's attorneys are loaded into this two-volume book. Just a few of the effective approaches for settling include:
Damages
“Adjusters will pay an extra $500 to $1000 for pain and suffering for every day spent in a hospital (excluding diagnostic time). Most attorneys fail to request this sum.”
Valuation
“During case evaluation, most insurance carriers will first calculate their exposure at what they call ‘dripping wet,’ without other considerations like prior injuries, comparative negligence, contribution by other defendants, amount of insurance available, etc. This formula is expressed as follows…”
Investigation
“Policy limits demands which are designed to determine the policy limit amounts are frequently counter-productive. Seldom will the demand result in divulgence of the policy limits. A more productive approach is to simply…”
Negotiations
“The supervisor and adjuster will not be moved because you think this claim is ‘different’ or you are ‘going to file a complaint.’ You will either have to bring your demand within the norm or justify more.
Bad Faith
“Often defense counsel will refuse to produce certain documents in the claim file, or other company documents. Insist the defendant provide an itemized list of each document and form in the file, along with sufficient descriptions of each document. You will need this information to support a motion to compel production of the documents.”
Coverage Disputes
“Coverage questions involving only the policy issued by the carrier involved are often troublesome to the plaintiff because the plaintiff will never be notified of the coverage dispute. The plaintiff’s notice will probably be by inference, when no settlement offers are forthcoming.”
Settlement Authority
“The bigger the exposure, the more levels through which the files must pass. At each level, the person reviewing the file will be judged in part by the quality of the file that is allowed to move upward.”
Evaluation
“In reality, frequently no evaluation at all is done by the carrier until a demand for settlement is made by the plaintiff. The carrier’s offer is more a reaction to the demand than an independent evaluation.”
This comprehensive insider's guide to the insurance settlement process, Insurance Settlements gathers the experience of more than 25 veteran claims managers, attorneys, medical experts, adjusters and others, and turns it to your advantage. Learn how to settle more efficiently and for top dollar. The latest two-volume edition now includes a helpful CD-ROM containing 131 digitized forms, as well as searchable full-text of the book.
The latest update of Insurance Settlements includes:
*
Aspects of claims frequently questioned by adjusters
*
How to deal with adjusters, from veterans on both sides of the bargaining table
*
Solutions to common settlement problems, from learning policy limits to dealing with novice adjusters
*
How adjusters view claims, complete with red flags
Updated annually. ISBN 0-938065-53-X Book price: $129.00
B7
Reviews
"Your insurance books How Insurance Companies Settle Cases and Insurance Settlement Handbook really provide the practical tools needed to put it to insurance companies and negotiate reasonable settlements."
— E.L. Brock
View and Print the Brochure
Add to Shopping Cart
Related Titles:
bluearrow.gif (273 bytes) How Insurance Companies Settle Cases
bluearrow.gif (273 bytes) Maximizing Damages in Small Personal Injury Cases
bluearrow.gif (273 bytes) More Insurance & Settlement Publications
Updated 03/23/09
Home | Products | View Shopping Cart | Our Foundation | About Us | Contact Us | SiteMap | Our Other Companies
© James Publishing, Inc. (800) 440-4780
Products
About Us
Pay Invoice
Contact Us
Our Foundation
View SiteMap
View Shopping Cart
Our Other Companies
Law Blogs
featuring James Publishing authors
Civil Litigation Blog
Criminal Law Blog
Employment Law Blog
Personal Injury Law Blog
Social Security Law Blog
94 Law Books
for Sale
Bankruptcy
Bankruptcy Courts & Procedures $99
Business
Limited Liability Company $99
Civil Rights
Civil Rights Digest $99
Criminal
Attacking Drunk Driving Tests $119
NEW Criminal Defense Tools and Techniques $129
Defending Drinking Drivers $129
Federal Criminal Practice $119
Federal Forfeiture Guide service $195
NEW Federal Prison Guidebook $79
Federal Sentencing Guide
service $350
NEW Innovative DUI Trial Tools $99
Relentless Criminal Cross-
Examination $99
9th Circuit Criminal Law Reporter service $250
Employment
Age Discrimination Litigation $129
Deposing & Examining Employment Witnesses $99
Employment Evidence $99
Federal Employment Jury
Instructions $99
Litigating Employment Discrimination Cases $149
Litigating Sexual Harassment and
Sex Discrimination Cases $99
Estates and Trusts
NEW Asset Protection Strategies & Forms $99
Family
Determination of Income for
Child Support $99
Frumkes on Divorce Taxation $99
Insurance & Settlement
How Insurance Companies
Settle Cases $99
Insurance Settlements $129
Litigation
Building Trial Notebooks $99
Deposition Checklists & Strategies $99
Federal Trial Evidence $99
Federal Trial Objections: Civil and Criminal $99
Guerrilla Discovery $99
Handling Federal Discovery $99
How to Prepare for, Take and
Use a Deposition $99
Is It Admissible? $99
Legal Secretary Federal Litigation $99
Model Interrogatories $99
Preparing for Trial in Federal
Court $99
Qualifying & Attacking Expert Witnesses $99
Small-Case Litigation Forms $99
Trial Evidence Foundations $99
Trial Hearsay - Objections and Exceptions $89.98
Trial Objections $99
Triple-Threat Discovery Forms $79
Personal Injury
Deposing & Examining Doctors $129
Determining Economic Damages $99
NEW Exposing Deceptive Defense Doctors $99
Litigating Neck & Back Injuries $99
Maximizing Damages in Small Personal Injury Cases $99
Medical Evidence $99
Medical Proof of Whiplash $99
Personal Injury Forms: Discovery & Settlement $99
Personal Injury Trial Notebook $99
Proving Mental & Emotional
Injuries $129
Slip & Fall Practice $99
Social Security
Bohr's Social Security Issues
Annotated $129
Medical Issues in Social Security Disability $129
Social Security Advisory Service $149
Social Security Disability Advocate's Handbook $119
Social Security Disability Medical
Tests $129
Social Security Disability Practice $149
State-Specific
- California -
CA Causes of Action $99
CA Courts & Judges $149
CA Drunk Driving Law $129
CA Legal Secretary $99
CA Lien Claims in Workers' Compensation Cases $119
CA Objections $99
CA Pretrial Practice & Forms $129
CA Workers' Compensation Law & Practice $149
FORECITE California service $295
- Florida -
FL Causes of Action $99
FL Criminal Cases Notebook $125
FL Criminal Trial Procedure $99
FL Family Law & Practice $129
FL Family Law Trial Notebook $99
FL Legal Secretary $129
FL Pretrial Practice $129
FL Trial Objections $99
- Illinois -
IL Objections $99
IL Pretrial Practice $129
- New York -
NY Civil Practice Before Trial $129
NY Fire District Officers' Guide $125
NY Judge Reviews & Court
Directory $125
NY Motor Vehicle Accidents $99
NY Objections $89.98
NY Trial Notebook $119
- Texas -
TX Criminal Forms $99
TX Criminal Jury Charges $129
TX Criminal Lawyer's Handbook $129
TX DTPA Forms & Practice Guide $99
TX Employment Law $149
TX Estate Planning $99
TX Objections $99
TX Pretrial Practice $129
NEW TX Probate Forms and Procedures $99
TX Small-Firm Practice Tools $99
A printable version
of our 8-page catalogue is available for instant downloading, viewing and printing in PDF format. Complete book descriptions and
easy ordering!
We respect your privacy rights.
Insurance Settlements
by Ronald V. Miller, Jr. and Kevin Quinley, et al.
Add to Shopping Cart
View Items in Shopping Cart
Effective Approaches for
Settling Cases
Insurance Settlements (previously known as Insurance Settlement Handbook) opens long-locked doors to insurance claims departments, giving you an insider’s look at the settlement process. Discover in days what most plaintiff’s attorneys take years to learn. Veteran claims personnel reveal how to:
*
Demonstrate to the adjuster that you know what you are doing
*
Determine when and what to say for maximum impact
*
Help the adjuster sell your client’s damages to his superiors
*
Draft effective demand letters
*
Evaluate soft tissue injuries
*
Prove pain and suffering
*
Break cases free from common logjams
*
Get realistic offers from adjusters
*
Counter common insurance settlement tactics
*
Value cases using traditional insurance company techniques
*
Obtain top dollar
Insider tips from seasoned adjusters, claims managers, and top plaintiff's attorneys are loaded into this two-volume book. Just a few of the effective approaches for settling include:
Damages
“Adjusters will pay an extra $500 to $1000 for pain and suffering for every day spent in a hospital (excluding diagnostic time). Most attorneys fail to request this sum.”
Valuation
“During case evaluation, most insurance carriers will first calculate their exposure at what they call ‘dripping wet,’ without other considerations like prior injuries, comparative negligence, contribution by other defendants, amount of insurance available, etc. This formula is expressed as follows…”
Investigation
“Policy limits demands which are designed to determine the policy limit amounts are frequently counter-productive. Seldom will the demand result in divulgence of the policy limits. A more productive approach is to simply…”
Negotiations
“The supervisor and adjuster will not be moved because you think this claim is ‘different’ or you are ‘going to file a complaint.’ You will either have to bring your demand within the norm or justify more.
Bad Faith
“Often defense counsel will refuse to produce certain documents in the claim file, or other company documents. Insist the defendant provide an itemized list of each document and form in the file, along with sufficient descriptions of each document. You will need this information to support a motion to compel production of the documents.”
Coverage Disputes
“Coverage questions involving only the policy issued by the carrier involved are often troublesome to the plaintiff because the plaintiff will never be notified of the coverage dispute. The plaintiff’s notice will probably be by inference, when no settlement offers are forthcoming.”
Settlement Authority
“The bigger the exposure, the more levels through which the files must pass. At each level, the person reviewing the file will be judged in part by the quality of the file that is allowed to move upward.”
Evaluation
“In reality, frequently no evaluation at all is done by the carrier until a demand for settlement is made by the plaintiff. The carrier’s offer is more a reaction to the demand than an independent evaluation.”
This comprehensive insider's guide to the insurance settlement process, Insurance Settlements gathers the experience of more than 25 veteran claims managers, attorneys, medical experts, adjusters and others, and turns it to your advantage. Learn how to settle more efficiently and for top dollar. The latest two-volume edition now includes a helpful CD-ROM containing 131 digitized forms, as well as searchable full-text of the book.
The latest update of Insurance Settlements includes:
*
Aspects of claims frequently questioned by adjusters
*
How to deal with adjusters, from veterans on both sides of the bargaining table
*
Solutions to common settlement problems, from learning policy limits to dealing with novice adjusters
*
How adjusters view claims, complete with red flags
Updated annually. ISBN 0-938065-53-X Book price: $129.00
B7
Reviews
"Your insurance books How Insurance Companies Settle Cases and Insurance Settlement Handbook really provide the practical tools needed to put it to insurance companies and negotiate reasonable settlements."
— E.L. Brock
View and Print the Brochure
Add to Shopping Cart
Related Titles:
bluearrow.gif (273 bytes) How Insurance Companies Settle Cases
bluearrow.gif (273 bytes) Maximizing Damages in Small Personal Injury Cases
bluearrow.gif (273 bytes) More Insurance & Settlement Publications
Updated 03/23/09
Home | Products | View Shopping Cart | Our Foundation | About Us | Contact Us | SiteMap | Our Other Companies
© James Publishing, Inc. (800) 440-4780
credit card settlement
Credit card debt reduction analysis to help learn how to eliminate your credit card debt.
Bankruptcy Alternatives / Debtor's Options
Credit Card Debt Reduction & Settlement FAQ
Call for Credit Card Debt Settlement help right now! - 800-351-3301
17. What is the different between a debt workout and a debt consolidation for reduction or elimination of credit card debt and other unsecured debt?
1. For the context of this discussion I refer to a credit card debt workout as a negotiated settlement of credit card debt. For example if you owed $5,000 on a credit card and made an agreement with the credit card company to pay $2,000 instead of $5,000 as settlement in full on the debt, this would be a credit card debt workout. Firms who perform this type of work may identify themselves as debt management, debt reduction, debt relief, debt workout, debt settlement or a host of other names inferring they help with debt even sometimes including debt consolidation. However, I define debt consolidation as a reorganization of the debt through a credit counselor or taking a debt consolidation loan to pay of the debts in full. Other FAQ’s on this site address each of these debt elimination options individually.
17. Who is eligible for a debt workout to get out of credit card debt?
1. Creditors agree to debt reduction arrangements where they feel a settlement of the debt will be in their best interest. In most cases they come to this conclusion because the person requesting the debt negotiation appears to be a legitimate candidate for bankruptcy. Knowing that in most bankruptcy cases they would receive nothing, they opt to take a discounted settlement on the debt rather than receive zero dollars in a bankruptcy.
17. What kinds of people appear to be bankruptcy candidates to the creditors?
1. 1. People who have shown an inability to pay their debts as evidenced by their failure to make payments for several months on their credit cards and other obligations.
2. People who do not have assets to protect such as equity in homes and cars.
3. People whose current or future income would not allow them to reorganize their finances either through a Chapter 13 or a plan outside of bankruptcy.
17. How do the creditors find out about this information
1. When you applied for credit, in most cases, you authorized the creditor to inspect your credit report when necessary. As part of the collection process in determining proper resolution option for your debt most creditors will run a credit report. The creditor obviously knows of your own debt payment history with them. The credit report will allow them to see how you are treating all of your other creditors. For example if you have ten credit card accounts and are current with all of the others they will make the assumption that you are capable of paying them as well. On the other hand if you were delinquent with all of your other credit card debts it would seem to indicate that you do not have the ability to pay anyone including that particular creditor.
17. How could they find out about my income and assets?
1. As a starting point they will use the application that you used to obtain the credit card in the first place. Beyond that, although there are some public records and some information on a credit report. For even more data you will have to provide the creditor with this information yourself. Some creditors will never ask for this information, others will ask for it before any debt reduction negotiation begins and others will ask for it depending upon the status of the debt reduction negotiation.
17. What would trigger them insisting on my income and asset information as a part of the debt settlement negotiation?
1. Imagine that after only seeing a credit report and some preliminary information the creditors make what you might consider a high debt settlement offer such as 75 cents on the dollar. In order to persuade them to take a debt settlement less than their initial offer they might demand further evidence of your financial hardship including financial statements indicating income and assets. Then, with evidence in hand proving the person’s lack of ability to repay the debt, to the creditor may consider a debt reduction allowing a pay off of the debt in a much lower range.
17. Would a typical credit card debt account accept to pay off the debt?
1. Most of credit card debt accounts settle in a range of 30 to 50%. Be aware that some credit card debt accounts may settle considerably higher reaching into the 75 to 80% range while in rare cases credit card debt accounts can be settled in the 20 to 30% range. In very rare cases I have seen debt solutions agreed to for as little as 5 to 10% or as much as 90 to 95%.
17. What would determine differences in the debt reduction amounts?
1. While a person’s own financial situation would have an important effect on debt reduction figures the next most important factor would be the internal debt settlement policy of the creditor. Prediction about the internal policies of these creditors cannot be made on their size or the amount of the debt necessarily, but they are consistent in their own policies. For example MBNA, American Express and Citicorp may all be major players in the industry and all of a large size but their policy on debt settlements are quite different. On the other hand the way American Express treats each of their own customers individually is fairly consistent in terms of their own internal debt settlement policies. Therefore someone who works with these creditors everyday would know what to expect from each individual company when putting together a debt management plan.
17. Do credit card debt settlements need to be made all at once to achieve debt elimination?
1. With most settlements you do need pay off the each individual credit card debt all at once in a lump sum by paying the creditor the reduced debt settlement figure they have agreed to with your debt negotiation firm. There are two significant exceptions that debtors should be aware of. First is that in some cases the creditors will arrange a short payment plan, especially with larger amounts of credit card debt. These plans might range any where from three to six months to pay off the credit card debt. The other exception comes in the form of special debt management or debt reduction companies, which arrange to stretch debt settlement plans out of a period of one to four years. These debt relief companies will be discussed later in this article.
17. How does this type of credit card debt workout affect someone’s credit?
1. It depends on the status of the debtor’s credit before the debt workout. Let’s imagine that credit report scores run on a scale of one to 10, one being the best. Only ranks of one and two are good enough to walk into most local banks to get a loan or credit card. Someone who has done a credit card debt settlement would be considered would be near a six on this scale immediately after the pay off of the credit card debt settlement. For someone who started as a one or two this would be a dramatic devastation of their credit. Anyone with good credit should consider the debt workout as an option very seriously before undertaking it, as his or her credit will be essentially destroyed. On the other hand, if an individual already shows multiple accounts on their credit report that have been charged off by creditors they may already have a credit score of approximately nine on a scale of one to ten. For these people settling the charge off accounts through debt settlement would actually improve their credit. This does not mean it will make their credit good, it just means it will improve it from very very bad to only plain bad.
17. Can a person achieve these credit card debt settlements on their own or do they need to hire a debt reduction professional to get out of the credit card debt?
1. While it is certainly possible for someone to achieve a credit card debt settlement on their own I do not recommend it anymore than I would recommend somebody taking out their own appendix. In the first place creditors do not take the situation nearly as seriously when a debtor calls to make a settlement as when a debt relief professional, such as a bankruptcy attorney or debt management firm calls to make a debt settlement. An individual would not know how to negotiate a debt settlement or what a proper debt settlement would be. A debt management professional working in this field would know most individual creditors including what their standard acceptance offer would be. In order to achieve the proper credit card debt settlement it is important to understand the proper way to fill out certain financial forms, most individuals do not know how to do this properly. A debt reduction professional also knows what to say, what not to say, what to ask for and what, to a creditor, would be a ridiculous request. Credit card debt settlements are best achieved when the creditors standard operating procedures and formats are followed. An individual would have no idea how to go about following such debt solution procedures. It is harder to negotiate one of your own credit card debt accounts because of the emotions involved when negotiating for yourself. Even amongst lawyers it is said that the lawyer that represents himself has a fool for a client. This is the case for either a lawyer or non-lawyer negotiating debt settlements on their own behalf. When someone else is negotiating for you the calls from the collector and letters end up going to the debt management professional you have hired to work for you making the entire debt settlement process less stressful. It is disturbingly common for debt collectors to try and do things, which may be industry tricks or potentially fraud in order to get you to pay off debt in full. Some of these things may include getting you to reveal information about yourself you may have no obligation to reveal or having you to send money you have been told would be settlement of the debt in full only to find they have lied and simply taken the money on account.
17. What if the creditor initiates a credit card debt settlement offer directly to the debtor?
1. In most cases the first debt settlement letters coming from the creditors are initial attempts to make contact the debtor combined with a debt settlement offer that the creditor deems high, but certainly one the credit card company would be happy to accept. A typical case would be a creditor offering a settlement of 75 or 80 cents on a dollar. In almost all cases debt settlement can be achieved for less than the offer made in these initial contact letters from the credit card companies.
17. What if I have gotten a series of letters from the credit card company and the offer keeps getting better, at what point should I take it as a viable debt elimination solution.
1. This answer depends on the creditor. A debt reduction professional working in this field would know the answer based on the specific creditor. With certain creditors I found when the offer gets low enough, although better settlements can be achieved, when one looks at the fees to pay the debt reduction professional and the difference in the debt settlements the end result is fairly close. In these cases I have personally told clients to except offers and make sure they followed the proper procedures. Although I must say those cases are quite rare.
17. How long does the card debt settlement process take?
1. A normal credit card debt settlement case might take three to nine months. If someone wanted to expedite the situation it could be shortened to one to three months. Someone wishing to stretch things out could find the time extended to twelve to eighteen months. Some special debt management and debt reduction firms can even lengthen the process to four years or more.
17. Why would someone want to stretch the credit card debt negotiation process out longer?
1. In order to get more time to get debt settlement funds accumulated. For many people the only options to get out of debt are four-year settlement times or bankruptcy.
17. Are there any downsides to lengthening the credit card debt negotiation process?
1. 1. As time goes on interest builds on the outstanding credit card debt. Even if the credit card debt ends up being settled for 50% interest building at 20% on the total outstanding credit card debt still means a significant increase in what you will pay as a debt reduction settlement.
2. At some point you will want to begin rebuilding your credit. This process cannot and should not begin until all of the old credit card debts have all been settled.
3. Laws, your own personal situation or creditor policies can change so that a credit card debt settlement, which might be archived now, can no longer be reached in the future.
4. The longer things go after the credit card company has started litigation in the court system the more likely it becomes that a creditor will refuse to participate in your debt settlement plan and you must settle a credit card account for more than you might want to or you will face a court hearing and its consequences such as garnishment.
17. How do these debt settlement firms work to get you out of your credit card debt over a term of years?
1. First they access your own financial situation to determine if you would be a good candidate for their debt settlement program. Be aware that some of these debt reduction firms will try to get you signed up because that makes the debt management firm money, not because it truly represents the best debt solution route for you. To help figure out what might be best for you to reduce debt I have written a set of pre-qualification questions for various debt options.
17. Suppose the debt settlement option does work best for me and it’s what I want to do to pay off the credit card debt.
1. Together with the debt settlement firm you will establish a master plan to help deal with the credit card debt including how long the debt elimination process might take, and how much money you will need to make the credit card debt reduction plan work.
17. Who do I pay to get out of my credit card debt and when do I pay it?
1. This varies with each debt management company. All credit card debt reduction plans will provide both for payment to the creditors and payment to the debt settlement firm. Payment to the debt relief firm can be on a flat fee basis calculated as a percentage of the total debt or a percentage based on the money saved through debt settlements. Payment of these debt reduction fees can be paid up front, over time, or when debt settlements are reached. Money to pay the creditors can be kept by the debtor until it may be needed or held in escrow by the debt negotiation firm. In many cases these debt settlement funds build up by the debtors adding to them each month.
17. Is it better to accumulate credit card debt settlement funds on my own or allow the debt management firm to keep them in escrow for me?
Bankruptcy Alternatives / Debtor's Options
Credit Card Debt Reduction & Settlement FAQ
Call for Credit Card Debt Settlement help right now! - 800-351-3301
17. What is the different between a debt workout and a debt consolidation for reduction or elimination of credit card debt and other unsecured debt?
1. For the context of this discussion I refer to a credit card debt workout as a negotiated settlement of credit card debt. For example if you owed $5,000 on a credit card and made an agreement with the credit card company to pay $2,000 instead of $5,000 as settlement in full on the debt, this would be a credit card debt workout. Firms who perform this type of work may identify themselves as debt management, debt reduction, debt relief, debt workout, debt settlement or a host of other names inferring they help with debt even sometimes including debt consolidation. However, I define debt consolidation as a reorganization of the debt through a credit counselor or taking a debt consolidation loan to pay of the debts in full. Other FAQ’s on this site address each of these debt elimination options individually.
17. Who is eligible for a debt workout to get out of credit card debt?
1. Creditors agree to debt reduction arrangements where they feel a settlement of the debt will be in their best interest. In most cases they come to this conclusion because the person requesting the debt negotiation appears to be a legitimate candidate for bankruptcy. Knowing that in most bankruptcy cases they would receive nothing, they opt to take a discounted settlement on the debt rather than receive zero dollars in a bankruptcy.
17. What kinds of people appear to be bankruptcy candidates to the creditors?
1. 1. People who have shown an inability to pay their debts as evidenced by their failure to make payments for several months on their credit cards and other obligations.
2. People who do not have assets to protect such as equity in homes and cars.
3. People whose current or future income would not allow them to reorganize their finances either through a Chapter 13 or a plan outside of bankruptcy.
17. How do the creditors find out about this information
1. When you applied for credit, in most cases, you authorized the creditor to inspect your credit report when necessary. As part of the collection process in determining proper resolution option for your debt most creditors will run a credit report. The creditor obviously knows of your own debt payment history with them. The credit report will allow them to see how you are treating all of your other creditors. For example if you have ten credit card accounts and are current with all of the others they will make the assumption that you are capable of paying them as well. On the other hand if you were delinquent with all of your other credit card debts it would seem to indicate that you do not have the ability to pay anyone including that particular creditor.
17. How could they find out about my income and assets?
1. As a starting point they will use the application that you used to obtain the credit card in the first place. Beyond that, although there are some public records and some information on a credit report. For even more data you will have to provide the creditor with this information yourself. Some creditors will never ask for this information, others will ask for it before any debt reduction negotiation begins and others will ask for it depending upon the status of the debt reduction negotiation.
17. What would trigger them insisting on my income and asset information as a part of the debt settlement negotiation?
1. Imagine that after only seeing a credit report and some preliminary information the creditors make what you might consider a high debt settlement offer such as 75 cents on the dollar. In order to persuade them to take a debt settlement less than their initial offer they might demand further evidence of your financial hardship including financial statements indicating income and assets. Then, with evidence in hand proving the person’s lack of ability to repay the debt, to the creditor may consider a debt reduction allowing a pay off of the debt in a much lower range.
17. Would a typical credit card debt account accept to pay off the debt?
1. Most of credit card debt accounts settle in a range of 30 to 50%. Be aware that some credit card debt accounts may settle considerably higher reaching into the 75 to 80% range while in rare cases credit card debt accounts can be settled in the 20 to 30% range. In very rare cases I have seen debt solutions agreed to for as little as 5 to 10% or as much as 90 to 95%.
17. What would determine differences in the debt reduction amounts?
1. While a person’s own financial situation would have an important effect on debt reduction figures the next most important factor would be the internal debt settlement policy of the creditor. Prediction about the internal policies of these creditors cannot be made on their size or the amount of the debt necessarily, but they are consistent in their own policies. For example MBNA, American Express and Citicorp may all be major players in the industry and all of a large size but their policy on debt settlements are quite different. On the other hand the way American Express treats each of their own customers individually is fairly consistent in terms of their own internal debt settlement policies. Therefore someone who works with these creditors everyday would know what to expect from each individual company when putting together a debt management plan.
17. Do credit card debt settlements need to be made all at once to achieve debt elimination?
1. With most settlements you do need pay off the each individual credit card debt all at once in a lump sum by paying the creditor the reduced debt settlement figure they have agreed to with your debt negotiation firm. There are two significant exceptions that debtors should be aware of. First is that in some cases the creditors will arrange a short payment plan, especially with larger amounts of credit card debt. These plans might range any where from three to six months to pay off the credit card debt. The other exception comes in the form of special debt management or debt reduction companies, which arrange to stretch debt settlement plans out of a period of one to four years. These debt relief companies will be discussed later in this article.
17. How does this type of credit card debt workout affect someone’s credit?
1. It depends on the status of the debtor’s credit before the debt workout. Let’s imagine that credit report scores run on a scale of one to 10, one being the best. Only ranks of one and two are good enough to walk into most local banks to get a loan or credit card. Someone who has done a credit card debt settlement would be considered would be near a six on this scale immediately after the pay off of the credit card debt settlement. For someone who started as a one or two this would be a dramatic devastation of their credit. Anyone with good credit should consider the debt workout as an option very seriously before undertaking it, as his or her credit will be essentially destroyed. On the other hand, if an individual already shows multiple accounts on their credit report that have been charged off by creditors they may already have a credit score of approximately nine on a scale of one to ten. For these people settling the charge off accounts through debt settlement would actually improve their credit. This does not mean it will make their credit good, it just means it will improve it from very very bad to only plain bad.
17. Can a person achieve these credit card debt settlements on their own or do they need to hire a debt reduction professional to get out of the credit card debt?
1. While it is certainly possible for someone to achieve a credit card debt settlement on their own I do not recommend it anymore than I would recommend somebody taking out their own appendix. In the first place creditors do not take the situation nearly as seriously when a debtor calls to make a settlement as when a debt relief professional, such as a bankruptcy attorney or debt management firm calls to make a debt settlement. An individual would not know how to negotiate a debt settlement or what a proper debt settlement would be. A debt management professional working in this field would know most individual creditors including what their standard acceptance offer would be. In order to achieve the proper credit card debt settlement it is important to understand the proper way to fill out certain financial forms, most individuals do not know how to do this properly. A debt reduction professional also knows what to say, what not to say, what to ask for and what, to a creditor, would be a ridiculous request. Credit card debt settlements are best achieved when the creditors standard operating procedures and formats are followed. An individual would have no idea how to go about following such debt solution procedures. It is harder to negotiate one of your own credit card debt accounts because of the emotions involved when negotiating for yourself. Even amongst lawyers it is said that the lawyer that represents himself has a fool for a client. This is the case for either a lawyer or non-lawyer negotiating debt settlements on their own behalf. When someone else is negotiating for you the calls from the collector and letters end up going to the debt management professional you have hired to work for you making the entire debt settlement process less stressful. It is disturbingly common for debt collectors to try and do things, which may be industry tricks or potentially fraud in order to get you to pay off debt in full. Some of these things may include getting you to reveal information about yourself you may have no obligation to reveal or having you to send money you have been told would be settlement of the debt in full only to find they have lied and simply taken the money on account.
17. What if the creditor initiates a credit card debt settlement offer directly to the debtor?
1. In most cases the first debt settlement letters coming from the creditors are initial attempts to make contact the debtor combined with a debt settlement offer that the creditor deems high, but certainly one the credit card company would be happy to accept. A typical case would be a creditor offering a settlement of 75 or 80 cents on a dollar. In almost all cases debt settlement can be achieved for less than the offer made in these initial contact letters from the credit card companies.
17. What if I have gotten a series of letters from the credit card company and the offer keeps getting better, at what point should I take it as a viable debt elimination solution.
1. This answer depends on the creditor. A debt reduction professional working in this field would know the answer based on the specific creditor. With certain creditors I found when the offer gets low enough, although better settlements can be achieved, when one looks at the fees to pay the debt reduction professional and the difference in the debt settlements the end result is fairly close. In these cases I have personally told clients to except offers and make sure they followed the proper procedures. Although I must say those cases are quite rare.
17. How long does the card debt settlement process take?
1. A normal credit card debt settlement case might take three to nine months. If someone wanted to expedite the situation it could be shortened to one to three months. Someone wishing to stretch things out could find the time extended to twelve to eighteen months. Some special debt management and debt reduction firms can even lengthen the process to four years or more.
17. Why would someone want to stretch the credit card debt negotiation process out longer?
1. In order to get more time to get debt settlement funds accumulated. For many people the only options to get out of debt are four-year settlement times or bankruptcy.
17. Are there any downsides to lengthening the credit card debt negotiation process?
1. 1. As time goes on interest builds on the outstanding credit card debt. Even if the credit card debt ends up being settled for 50% interest building at 20% on the total outstanding credit card debt still means a significant increase in what you will pay as a debt reduction settlement.
2. At some point you will want to begin rebuilding your credit. This process cannot and should not begin until all of the old credit card debts have all been settled.
3. Laws, your own personal situation or creditor policies can change so that a credit card debt settlement, which might be archived now, can no longer be reached in the future.
4. The longer things go after the credit card company has started litigation in the court system the more likely it becomes that a creditor will refuse to participate in your debt settlement plan and you must settle a credit card account for more than you might want to or you will face a court hearing and its consequences such as garnishment.
17. How do these debt settlement firms work to get you out of your credit card debt over a term of years?
1. First they access your own financial situation to determine if you would be a good candidate for their debt settlement program. Be aware that some of these debt reduction firms will try to get you signed up because that makes the debt management firm money, not because it truly represents the best debt solution route for you. To help figure out what might be best for you to reduce debt I have written a set of pre-qualification questions for various debt options.
17. Suppose the debt settlement option does work best for me and it’s what I want to do to pay off the credit card debt.
1. Together with the debt settlement firm you will establish a master plan to help deal with the credit card debt including how long the debt elimination process might take, and how much money you will need to make the credit card debt reduction plan work.
17. Who do I pay to get out of my credit card debt and when do I pay it?
1. This varies with each debt management company. All credit card debt reduction plans will provide both for payment to the creditors and payment to the debt settlement firm. Payment to the debt relief firm can be on a flat fee basis calculated as a percentage of the total debt or a percentage based on the money saved through debt settlements. Payment of these debt reduction fees can be paid up front, over time, or when debt settlements are reached. Money to pay the creditors can be kept by the debtor until it may be needed or held in escrow by the debt negotiation firm. In many cases these debt settlement funds build up by the debtors adding to them each month.
17. Is it better to accumulate credit card debt settlement funds on my own or allow the debt management firm to keep them in escrow for me?
structured annuity
structured settlements | lawsuit advances | mortgage notes | lottery payments
Home | About | PPI Blog | Free Analysis
* Lawsuit Advances
* Structured Settlements
* Lottery Payments
* Mortgage Notes
Sell structured settlement annuity
Structured Settlements, Annuity Payments
and Lottery or Prize Winnings.
PPI Cash was founded in 1993 to provide financial alternatives to recipients of deferred payments like:
* Structured Settlement Payments
* Insurance Settlements
* Annuitized Prize Winnings and Lottery Payments
* Annuity Payments
* Note Holders
Structured Settlement recipients and lottery winners have relied on our customized services for years. We have helped thousands of people achieve their financial goals by offering Customized Payment Acceleration Programs to those who cannot be serviced by traditional financial institutions. PPI will advance cash on payments paid by annuities, lawsuit and personal injury structured settlements, and more.
Your Analysis
Why We Say, Cash Now
Many individuals holding certain types of assets, such as Lottery Winnings and Structured Settlements, have an immediate need for a lump sum payment instead of being paid over a number of years.
Whether you are looking for a cash payout on structured settlement like an insurance settlement paid by annuity or lottery or prize winnings, we offer flexible and individually tailored plans to meet your specific financial goals.
Settlement Factoring Vs Settlement Brokers who Structure Settlements
Structured settlements are agreements to pay an amount over time. We do not structure settlements, we factor the future payments to offer a present day value lump sum. If you are seeking counsel regarding establishing a structured settlement, please consult your attorney for references.
Read the BBBureau report on Prosperity Partners
.Prosperity Gives Back
In 2009, Prosperity Gives Back. Every month we will give more than just our dollars, we will give our time and our talents to make a difference in our community.
Our Services
* Lawsuit Advances
Waiting to settle? Need Cash Now? You may qualify for advanced funding.
* Structured Settlements
Accelerate your settlement payout. Cash in some or all of your annuity.
* Prize Winnings
Lottery, Casino, Jackpot winners. Get more of your money sooner.
* Seller Notes
We purchase single notes and portfolios of real estate and business notes
Analysis
Contact PPI Cash
* About PPI Cash
* Contact PPI Cash
1015 Tenth Street
Lake Park, Florida 33403
Tel - (800) 509-1649
Fax - (800) 938-3700
* Frequently Asked Questions
* Get Your Money Now!
Brokers & Consultants
* Brokers
We are structured settlement factors. Click here for assistance
in the creation of settlements.
* Consultants
We are here to service consultants and other professionals working in the finance industry.
* Attorneys
We can provide your clients with access to future annuity payments.
Your Analysis
Select the required service below and we'll start working on a free analysis right away. Expect to hear from us within 24hrs.
Analysis
Tools & Resources
* Time Value of Money
* 10 Things You Should Know
* Other Products
* Customer Testimonials
Use the search box below to help you find what you are looking for faster.
Did this information help you? Tell us what works for you.
Call us today at (800) 509-1649 to receive your
free no-obligation quote or fill out our online application.
© 2009 Prosperity Partners, Incsm is a leader in the cashflow industry
* PPI Cash
* Structured Settlement
* Lawsuit Advances
* Prize Winnings
* Seller Notes
* Other Products
* Documents
* Investor Relations
* Tom Says
* Site Map
Prosperity Partners, Inc
Get Your Money Now
1015 Tenth Street
Lake Park, Florida 33403
Tel - (800) 509-1649
Fax - (800) 938-3700
Home | About | PPI Blog | Free Analysis
* Lawsuit Advances
* Structured Settlements
* Lottery Payments
* Mortgage Notes
Sell structured settlement annuity
Structured Settlements, Annuity Payments
and Lottery or Prize Winnings.
PPI Cash was founded in 1993 to provide financial alternatives to recipients of deferred payments like:
* Structured Settlement Payments
* Insurance Settlements
* Annuitized Prize Winnings and Lottery Payments
* Annuity Payments
* Note Holders
Structured Settlement recipients and lottery winners have relied on our customized services for years. We have helped thousands of people achieve their financial goals by offering Customized Payment Acceleration Programs to those who cannot be serviced by traditional financial institutions. PPI will advance cash on payments paid by annuities, lawsuit and personal injury structured settlements, and more.
Your Analysis
Why We Say, Cash Now
Many individuals holding certain types of assets, such as Lottery Winnings and Structured Settlements, have an immediate need for a lump sum payment instead of being paid over a number of years.
Whether you are looking for a cash payout on structured settlement like an insurance settlement paid by annuity or lottery or prize winnings, we offer flexible and individually tailored plans to meet your specific financial goals.
Settlement Factoring Vs Settlement Brokers who Structure Settlements
Structured settlements are agreements to pay an amount over time. We do not structure settlements, we factor the future payments to offer a present day value lump sum. If you are seeking counsel regarding establishing a structured settlement, please consult your attorney for references.
Read the BBBureau report on Prosperity Partners
.Prosperity Gives Back
In 2009, Prosperity Gives Back. Every month we will give more than just our dollars, we will give our time and our talents to make a difference in our community.
Our Services
* Lawsuit Advances
Waiting to settle? Need Cash Now? You may qualify for advanced funding.
* Structured Settlements
Accelerate your settlement payout. Cash in some or all of your annuity.
* Prize Winnings
Lottery, Casino, Jackpot winners. Get more of your money sooner.
* Seller Notes
We purchase single notes and portfolios of real estate and business notes
Analysis
Contact PPI Cash
* About PPI Cash
* Contact PPI Cash
1015 Tenth Street
Lake Park, Florida 33403
Tel - (800) 509-1649
Fax - (800) 938-3700
* Frequently Asked Questions
* Get Your Money Now!
Brokers & Consultants
* Brokers
We are structured settlement factors. Click here for assistance
in the creation of settlements.
* Consultants
We are here to service consultants and other professionals working in the finance industry.
* Attorneys
We can provide your clients with access to future annuity payments.
Your Analysis
Select the required service below and we'll start working on a free analysis right away. Expect to hear from us within 24hrs.
Analysis
Tools & Resources
* Time Value of Money
* 10 Things You Should Know
* Other Products
* Customer Testimonials
Use the search box below to help you find what you are looking for faster.
Did this information help you? Tell us what works for you.
Call us today at (800) 509-1649 to receive your
free no-obligation quote or fill out our online application.
© 2009 Prosperity Partners, Incsm is a leader in the cashflow industry
* PPI Cash
* Structured Settlement
* Lawsuit Advances
* Prize Winnings
* Seller Notes
* Other Products
* Documents
* Investor Relations
* Tom Says
* Site Map
Prosperity Partners, Inc
Get Your Money Now
1015 Tenth Street
Lake Park, Florida 33403
Tel - (800) 509-1649
Fax - (800) 938-3700
life insurance settlements
User Name Password
Life Settlements - Learn. Empower. Succeed.SM
Life Insurance Settlements, Inc. (LIS) is one of the largest and most experienced brokers in the life settlement industry, as well as the number one choice for financial professionals seeking solutions for their Senior client life settlement needs. Our accomplished knowledge of life settlements, combined with solid relationships with multiple funders is used as an advantage; one that virtually offers your client one of the largest market values for their life insurance policy. We will negotiate the highest settlement offer on behalf of you and your client.
The senior management team at our home office has been involved in the life insurance secondary market since 1993. This experienced team of experts understands the needs and expectations of the financial planning and life insurance industries as they apply to our core competency—life settlements. LIS provides the tools, support and education necessary for the financial or insurance professional to offer these as a complimentary service. This formula has helped our partners build a significant profit center without changing their current business plan.
View the new Life Settlements presentation from LIS. You will need the Free Macromedia Flash Player to view this file. If you need to download the player, you can do so by clicking here
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Senior Settlements - To sell or not to sell?
Clearing Up Common Misconceptions About Life
Settlements
Life Settlements - An Idea Whose Time Has Come
The Producer's Role In a Life Settlement
Converting a Term Policy for a Life Settlement
The Secondary Market for Life Insurance is Poised to go
Mainstream - Are You Ready?
> view more
more>>
January 12: The 43rd Annual Heckerling Institute on Estate Planning
January 24: The International Forum Annual Meeting
For Broker Use Only – Not for use by general public.
The LIS website is currently not approved in the state of Oklahoma.
© 2006 LISettlements.com. All Rights Reserved. Site Design by Exclusive Concepts, Inc.
Life Settlements - Learn. Empower. Succeed.SM
Life Insurance Settlements, Inc. (LIS) is one of the largest and most experienced brokers in the life settlement industry, as well as the number one choice for financial professionals seeking solutions for their Senior client life settlement needs. Our accomplished knowledge of life settlements, combined with solid relationships with multiple funders is used as an advantage; one that virtually offers your client one of the largest market values for their life insurance policy. We will negotiate the highest settlement offer on behalf of you and your client.
The senior management team at our home office has been involved in the life insurance secondary market since 1993. This experienced team of experts understands the needs and expectations of the financial planning and life insurance industries as they apply to our core competency—life settlements. LIS provides the tools, support and education necessary for the financial or insurance professional to offer these as a complimentary service. This formula has helped our partners build a significant profit center without changing their current business plan.
View the new Life Settlements presentation from LIS. You will need the Free Macromedia Flash Player to view this file. If you need to download the player, you can do so by clicking here
Please be patient while loading. 3.48mb
Enter your e-mail address for a free subscription to our online newsletter.
Senior Settlements - To sell or not to sell?
Clearing Up Common Misconceptions About Life
Settlements
Life Settlements - An Idea Whose Time Has Come
The Producer's Role In a Life Settlement
Converting a Term Policy for a Life Settlement
The Secondary Market for Life Insurance is Poised to go
Mainstream - Are You Ready?
> view more
more>>
January 12: The 43rd Annual Heckerling Institute on Estate Planning
January 24: The International Forum Annual Meeting
For Broker Use Only – Not for use by general public.
The LIS website is currently not approved in the state of Oklahoma.
© 2006 LISettlements.com. All Rights Reserved. Site Design by Exclusive Concepts, Inc.
life insurance settlement
Call Advanced Settlements Today At 1-800-561-4148
"New" Click Here to view our Life Settlements Impact Video
Click Here to visit the Life Settlements Learning Center
Click Here to get CE Credits
Pat Summerall
Advanced Settlements, Inc -- Keystone Players in the Life Settlement Marketplace
Advanced Settlements, Inc. has earned a reputation as one of the leading life settlement brokers in the nation. We work with financial professionals whose clients include affluent seniors seeking a sensible exit strategy from unwanted life insurance policies. In addition to having earned our status as an early adopter in an emerging market of life settlement companies, we have assumed a leadership role in delivering the necessary tools for financial professionals to successfully participate in life settlements. In this regard, (1) we offer a turn-key service that leads financial professionals through each step of the transaction; (2) we act as their advocate when negotiating with funders (providers) to pursue the highest possible settlement for the client's policy; (3) we provide free errors and omissions (E&O) coverage on each transaction; and (4) we offer marketing support.
Many seniors have chosen to donate unwanted life insurance policies to charitable organizations and for that reason we also work with charities who own donated life insurance policies that may be about to lapse or have become burdensome to maintain.
Industry "Thought Leaders"
In addition to maintaining a sizeable market share in a highly-competitive industry, we have also positioned ourselves as "thought leaders" in our space. Because we recognize that the life insurance settlement solution is still in the introductory stage of the product life cycle where substantial resources are required to educate the marketplace, we have invested in efforts to serve the needs of financial professionals who want to learn more. In addition to delivering continuing education (CE) presentations and authoring the industry's first series of white papers for use by financial and insurance professionals, we also contribute articles to a variety of trade publications. Many of the articles we have written on the topic of life insurance settlements have appeared in publications such as The CPA Insider (published by the AICPA), Wealth Management Insider (published by the AICPA), The Journal of Structured Finance (published by Institutional Investor, Inc.), National Underwriter, Senior Market Advisor, Agent Sales Journal, Health Insurance Underwriter, FPA Solutions Magazine (published by the Financial Planning Association) , and the California Broker.
Consumer Advocacy & Marketplace Education
Advanced Settlements is committed to educating financial professionals, consumers and non-profit organizations about the availability of this exit strategy from unwanted policies and how life settlements provide value to senior consumers. As advocates for what is considered a pro-consumer product, Advanced Settlements encourages seniors and elders to collaborate with their team of financial professionals to determine whether a life settlement can assist them in achieving their financial or charitable goals.
If you belong to one of the following groups, we look forward to working with you in maximizing the cash value of unwanted or underperforming life insurance policies:
Agents/Brokers Estate Planners
Attorneys Financial Professionals
CPA’s Charities
Our Track Record as a Marketplace Leader
• We have transacted more than $6.5 billion in policy face value (from Jan 2001-December 2008).
• We have built trusted relationships with many of the nation's largest insurance brokers and financial
professionals.
• We work with more than 25 highly-capitalized institutional funding sources in pursuing the highest
possible offer.
When to consider a Life Settlement
• When the insured is 70 years of age or older
• When a policy is lapsing or being surrendered
• When there is a need for new life insurance, annuities, or long term care
• When the insured has outlived the beneficiaries
• When there is an estate tax change
• When a charitable organization who owns a donated policy cannot maintain premium payments.
• When there is a change in the health status of the insured.
• When there is a retiring key-man or a company / partnership selling
• When there is a liquidation of assets due to bankruptcy
The primary target audience for Advanced Settlements, Inc. is an insured who is generally 70 years of age or older, has a life expectancy of less than 12 years, and has owned a life insurance policy with a face value of $250,000 or more for not less than 2 years.
Although our Web site is a one-stop Life Settlement Portal designed to answer most questions about this emerging industry and its impact on consumers, financial and legal professionals, we encourage you to call our Life Settlement representatives who will be happy to explain how we can assist you in obtaining the most favorable competitive offer for your client's life policy.
Member of the Life Insurance Settlement Association.
Wherever the phrase Advanced Settlements appears in the text of this web site, such phrase is a reference to Advanced Settlements, Inc.
If you have any questions about the Advanced Settlements website please contact Nikolas Adams a t
1-800-561-4148 ext. 1103 or email at nadams@advancedsettlements.com
AS-1
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© 2001-2009 Advanced Settlements, Inc. All Rights Reserved.
This ad is intended for insurance and financial professionals only, and not for use for the general public. This advertisement does not apply to variable life settlements. Variable life settlements are settled through our BD affiliate. Life Settlement amounts are based on numerous factors. Actual results will vary. According to our internal statistics, the average purchase price obtained by viators through Advanced Settlements, Inc. (from January 1, - August 31, 2008) is approximately twenty-two percent of the face amount of a qualified life insurance policy. Some or all of the proceeds of a life settlement may be taxable under federal or state income tax laws. Advice from a professional tax advisor is recommended. The number of bidders for a policy may be limited; proceeds from sales of similar policies may vary and may be subject to claims of creditors. Receipt of proceeds may impact eligibility for government benefits and entitlements. Prior to sale, the insured should consider the continued need for coverage, impact to estate plans, availability of insurance, cost of comparable coverage or tax implications. There may be high fees associated with the sale of a life settlement. Securities offered through securities licensed representatives of NFP Securities, Inc., a Broker/Dealer and Member FINRA/SIPC. Advanced Settlements is an affiliate of NFP Securities, Inc. and a subsidiary of National Financial Partners Corp., the parent company of NFP Securities, Inc. Advanced Settlements, Inc. (or its principals) is an authorized broker or producer in all states where life settlements are regulated, except Montana.Pat Summerall and his experience with life settlements may not be representative of other clients. Mr. Summerall’s representation does not imply or guarantee any particular performance returns. Mr. Summerall was compensated for his endorsement.Location and mailing address: Advanced Settlements, Inc., 2101 Park Center Drive, Suite 220, Orlando, Florida 32835. phone: 1-800-561-4148. The Advanced Settlements, Inc. Website is currently not approved in the states of Oklahoma. If you have any questions about the Advanced Settlements website please contact Nikolas Adams at 1-800-561-4148 ext. 1103
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"New" Click Here to view our Life Settlements Impact Video
Click Here to visit the Life Settlements Learning Center
Click Here to get CE Credits
Pat Summerall
Advanced Settlements, Inc -- Keystone Players in the Life Settlement Marketplace
Advanced Settlements, Inc. has earned a reputation as one of the leading life settlement brokers in the nation. We work with financial professionals whose clients include affluent seniors seeking a sensible exit strategy from unwanted life insurance policies. In addition to having earned our status as an early adopter in an emerging market of life settlement companies, we have assumed a leadership role in delivering the necessary tools for financial professionals to successfully participate in life settlements. In this regard, (1) we offer a turn-key service that leads financial professionals through each step of the transaction; (2) we act as their advocate when negotiating with funders (providers) to pursue the highest possible settlement for the client's policy; (3) we provide free errors and omissions (E&O) coverage on each transaction; and (4) we offer marketing support.
Many seniors have chosen to donate unwanted life insurance policies to charitable organizations and for that reason we also work with charities who own donated life insurance policies that may be about to lapse or have become burdensome to maintain.
Industry "Thought Leaders"
In addition to maintaining a sizeable market share in a highly-competitive industry, we have also positioned ourselves as "thought leaders" in our space. Because we recognize that the life insurance settlement solution is still in the introductory stage of the product life cycle where substantial resources are required to educate the marketplace, we have invested in efforts to serve the needs of financial professionals who want to learn more. In addition to delivering continuing education (CE) presentations and authoring the industry's first series of white papers for use by financial and insurance professionals, we also contribute articles to a variety of trade publications. Many of the articles we have written on the topic of life insurance settlements have appeared in publications such as The CPA Insider (published by the AICPA), Wealth Management Insider (published by the AICPA), The Journal of Structured Finance (published by Institutional Investor, Inc.), National Underwriter, Senior Market Advisor, Agent Sales Journal, Health Insurance Underwriter, FPA Solutions Magazine (published by the Financial Planning Association) , and the California Broker.
Consumer Advocacy & Marketplace Education
Advanced Settlements is committed to educating financial professionals, consumers and non-profit organizations about the availability of this exit strategy from unwanted policies and how life settlements provide value to senior consumers. As advocates for what is considered a pro-consumer product, Advanced Settlements encourages seniors and elders to collaborate with their team of financial professionals to determine whether a life settlement can assist them in achieving their financial or charitable goals.
If you belong to one of the following groups, we look forward to working with you in maximizing the cash value of unwanted or underperforming life insurance policies:
Agents/Brokers Estate Planners
Attorneys Financial Professionals
CPA’s Charities
Our Track Record as a Marketplace Leader
• We have transacted more than $6.5 billion in policy face value (from Jan 2001-December 2008).
• We have built trusted relationships with many of the nation's largest insurance brokers and financial
professionals.
• We work with more than 25 highly-capitalized institutional funding sources in pursuing the highest
possible offer.
When to consider a Life Settlement
• When the insured is 70 years of age or older
• When a policy is lapsing or being surrendered
• When there is a need for new life insurance, annuities, or long term care
• When the insured has outlived the beneficiaries
• When there is an estate tax change
• When a charitable organization who owns a donated policy cannot maintain premium payments.
• When there is a change in the health status of the insured.
• When there is a retiring key-man or a company / partnership selling
• When there is a liquidation of assets due to bankruptcy
The primary target audience for Advanced Settlements, Inc. is an insured who is generally 70 years of age or older, has a life expectancy of less than 12 years, and has owned a life insurance policy with a face value of $250,000 or more for not less than 2 years.
Although our Web site is a one-stop Life Settlement Portal designed to answer most questions about this emerging industry and its impact on consumers, financial and legal professionals, we encourage you to call our Life Settlement representatives who will be happy to explain how we can assist you in obtaining the most favorable competitive offer for your client's life policy.
Member of the Life Insurance Settlement Association.
Wherever the phrase Advanced Settlements appears in the text of this web site, such phrase is a reference to Advanced Settlements, Inc.
If you have any questions about the Advanced Settlements website please contact Nikolas Adams a t
1-800-561-4148 ext. 1103 or email at nadams@advancedsettlements.com
AS-1
Home | About | Contact | Sitemap | Privacy | Policy Evaluator | Advantages and Opportunities
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© 2001-2009 Advanced Settlements, Inc. All Rights Reserved.
This ad is intended for insurance and financial professionals only, and not for use for the general public. This advertisement does not apply to variable life settlements. Variable life settlements are settled through our BD affiliate. Life Settlement amounts are based on numerous factors. Actual results will vary. According to our internal statistics, the average purchase price obtained by viators through Advanced Settlements, Inc. (from January 1, - August 31, 2008) is approximately twenty-two percent of the face amount of a qualified life insurance policy. Some or all of the proceeds of a life settlement may be taxable under federal or state income tax laws. Advice from a professional tax advisor is recommended. The number of bidders for a policy may be limited; proceeds from sales of similar policies may vary and may be subject to claims of creditors. Receipt of proceeds may impact eligibility for government benefits and entitlements. Prior to sale, the insured should consider the continued need for coverage, impact to estate plans, availability of insurance, cost of comparable coverage or tax implications. There may be high fees associated with the sale of a life settlement. Securities offered through securities licensed representatives of NFP Securities, Inc., a Broker/Dealer and Member FINRA/SIPC. Advanced Settlements is an affiliate of NFP Securities, Inc. and a subsidiary of National Financial Partners Corp., the parent company of NFP Securities, Inc. Advanced Settlements, Inc. (or its principals) is an authorized broker or producer in all states where life settlements are regulated, except Montana.Pat Summerall and his experience with life settlements may not be representative of other clients. Mr. Summerall’s representation does not imply or guarantee any particular performance returns. Mr. Summerall was compensated for his endorsement.Location and mailing address: Advanced Settlements, Inc., 2101 Park Center Drive, Suite 220, Orlando, Florida 32835. phone: 1-800-561-4148. The Advanced Settlements, Inc. Website is currently not approved in the states of Oklahoma. If you have any questions about the Advanced Settlements website please contact Nikolas Adams at 1-800-561-4148 ext. 1103
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Structured Settlements Guide
Your online informational guide to structured settlements.
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Welcome to Structured Settlements Guide
Welcome to Structured Settlements Guide, an online resource about selling a structured settlement. The information we provide is contained in the sections:
General information
* How a structured settlement annuity works
* Why a structured settlement payment is a popular choice
Cashing Out
* The skinny on getting cash for a structured settlement payment
* How to sell a structured settlement payment
Services
* Do I really need a structured settlement company?
* Which structured settlement broker is right for me?
Frequently Asked Questions
* Why does a company want to buy my structured settlement?
* Is selling a structured settlement a good investment decision?
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Structured Settlement | Structured Settlements | Sell Structured Settlement
Your online informational guide to structured settlements.
FREE QUOTE
* How much are your payments worth?
* Get a free quote
Categories
* Cashing Out
* Frequently Asked Questions
* General information
* Services
Policies
* Privacy
Site Meter
Welcome to Structured Settlements Guide
Welcome to Structured Settlements Guide, an online resource about selling a structured settlement. The information we provide is contained in the sections:
General information
* How a structured settlement annuity works
* Why a structured settlement payment is a popular choice
Cashing Out
* The skinny on getting cash for a structured settlement payment
* How to sell a structured settlement payment
Services
* Do I really need a structured settlement company?
* Which structured settlement broker is right for me?
Frequently Asked Questions
* Why does a company want to buy my structured settlement?
* Is selling a structured settlement a good investment decision?
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Settlement to cash
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Cash Purchase Options for Structured Annuity and Settlement Payments
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Cash in your future payments whether your structured arrangement was agreed to:
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SettlementToCash.com has been a buyer of deferred payment obligations for over 11 years, specializing in the purchase of annuities and structured settlement transfers.
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Home . Directory . Free Quote - Contact Us Cash For Settlements . Cash Payout . Cash For Annuities . Lump Sum Payments . Settlements To Cash . Settlement Payment . Settlement Transfers . Settlements Purchase . Structured Insurance Agreement . Sell Payments . Sell Settlements . Annuity Agreement . Annuity Settlement . Buyer Of Annuities . Lottery Settlements
© 2009 - Settlement to Cash Structured Settlements to Cash.
All Rights Reserved
Tel: 1-800-509-8529
Related Websites : Buyer of Structured Settlements
We offer those who wish to sell annuity payment payouts,
several payment plans.
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Cash in your future payments whether your structured arrangement was agreed to:
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* A wrongful death claim
* Or product liability
Through the purchase of full, partial or shared structured settlement payments, you can be free of the restrictions of time-based payouts.
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All Rights Reserved
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We offer those who wish to sell annuity payment payouts,
several payment plans.
Thursday, April 2, 2009
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