That often the sale of a person’s payment stream may be the only financial option available to a person with less than good credit and/or collateral to pledge against a loan.

That recipients of structured settlement payment rights have no ownership interest in the underlying annuity and cannot use a future payment stream for a loan.

That the sale of a structured settlement is a significant financial decision with long term consequences, and the decision to sell a structured settlement should be evaluated with the same effort, care and due diligence that a person would use when making the decision to purchase and/or finance a car or home.