Structured Settlements 4Real® Blog: Structured Settlements | Settlement Planning News and John Darer Reviews

Structured settlements expert John Darer reviews the latest structured settlements news, information and provides expert opinion and commentary, including settlement planning issues/ ideas for settlement management, incisive Structured Settlement Watchdog® commentary that may be helpful to lawyers, plaintiffs, claims adjusters, judges, the news media, sellers, buyers of structured settlement payment rights and interested others, The style is spicy, informative, irreverent and effective. The most prolific structured settlements blog, Now in 19th Year! Check back daily for something new.

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June 13, 2023

Stone Street in Massive Structured Settlement I Have Blooper

by Structured Settlement Watchdog

Got to hand it to Stone Street Capital for a massive blooper. Here it is 

Beavis and butthead score cash for structured settlement
Beavis and Butthead

" Structured Settlement I Have | Score Some Cash with Stone Street"

What Does It Mean to Score?

It's clear that Stone Street is not appealing to soccer players, but using street slang.

  1. "success in obtaining something (such as money or drugs) especially through illegal or irregular means" Merriam-Webster Dictionary
  2. "To get illegal drugs" Cambridge-English Dictionary, Urban Dictionary  To wit..."You know where I can score some drugs?", within a *day* everyone would be selling. Your friends. Their kids. Here's why: it's an unbeatable market force man". actor Topher Grace as Seth Abrahms in Traffic (2000)"
  3. "Beavis : Damn it, this always happens. I think I'm gonna score, and then I never score. It's not fair. We've traveled, um, a hundred miles 'cause we thought we were gonna score". from Beavis & Butthead

Ironically, when you sell structured settlement payments for the best you're gonna get..."pennies on the dollar", you're closer to the past tense of the " F" word and Butthead Nirvana than a big cash windfall

Selling A Structured Settlement in 2023? Get The 411 on Cash Now. Don't Be a Victim (4structures.com)

 

Posted at 04:16 PM in Baltimore Structured Settlements, Bethesda Structured Settlements, Boca Raton Structured Settlement Cash Now, Bronx Structured Settlement Cash Now, Brooklyn Structured Settlement Cash Now, Buffalo Structured Settlement Cash Now, Chicago Structured Settlement Cash Now, Detroit Structured Settlement Cash Now, Ft Lauderdale Structured Settlement Cash Now, Lake Worth Structured Settlement Cash Now, Los Angeles Structured Settlement Cash Now, Maryland Structured Settlements, Miami Lakes Structured Settlement Cash Now, Miami Structured Settlement Cash Now, Oakland Structured Settlement Cash Now, Owings Mills Structured Settlements, Philadelphia Structured Settlement Cash Now, Rockville Structured Settlements, Stone Street Capital Commentary, Structured Settlement Factoring, Structured Settlement Factoring News, Structured Settlement Humor, Structured Settlement Transfers, Structured Settlement Watchdog®, Structured Settlements in Maryland, Tulsa Structured Settlement Cash Now | Permalink

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May 22, 2023

Stone Street Capital | Where Pennies on The Dollar Is Seen as a "Reward"

by John Darer Reviews

In a world where "words matter", in my opinion Stone Street Capital is pushing an inconsiderate narrative on structured settlement annuitants.

"Off The Deservation"

Stone Street Capital advertising attempts to hook structured settlement annuitant fish with the worm that Stone street capital what have you done to deserve this implies that Pennies on the Dollar is "What You Deserve"

What Does "Deserve" Mean?

"do something or have or show qualities worthy of (reward or punishment)" -Oxford Languages

You Might "Deserve" a Bubble Bath as a "Reward", But You Don't Need to Get Soaked Financially

When you feel exhausted after a long day at work, or on a homework asssignment in college, you feel tired and you deserve a nice trip to the spa. But when it comes to the steady income stream you're receiving from your structured settlement, you surely don't need to get soaked. A person receiving tax free or tax deferred structured settlement payments suffered a physical or emotional loss and had to survive the trials and tribulations and the emotional roller coaster of claims and litigation. If you are such a person, is a crappy insensitive sales pitch what you deserve?

You deserve a break today (2)
That's more like it, eh? I made my own "Stone Street" 

 

 

 

Posted at 10:01 AM in Boca Raton Florida Structured Settlements, Bridgeport Structured Settlements, Buffalo Structured Settlement Cash Now, False Advertising Re Creating, Buying or Selling Structured Settlements, John Darer Reviews, Judges Responsibility and Structured Settlements, Los Angeles CA Structured Settlements, Maryland Structured Settlements, Rockville Structured Settlements, St. Louis Structured Settlements, Stone Street Capital Commentary, Structured Settlement Watchdog®, The Pennies on the Dollar Reward Ruse | Permalink

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May 12, 2023

Structured Settlement I Have "Cash Now to Make Good Things Happen For You"?

by Structured Settlement Watchdog

Stone Street Capital's latest dubious sales pitch infers that pawning your structured settlement for pennies on the dollar "will make good things happen to you".

Don't believe the hype from the Rockville Maryland subsidiary of JG Wentworth. It summons up your inner Bob Dylan

"They'll stone ya when you're at the breakfast table
They'll stone ya when you are young and able
They'll stone ya when you're tryin' to make a buck
They'll stone ya and then they'll say, "Good luck"

Whenever you sell structured settlement payments to a structured settlement factoring company you will be receiving pennies on the dollar. 

Pennies on the dollar (4)

 

Posted at 02:27 AM in Buffalo Structured Settlement Cash Now, Rockville Structured Settlement Cash Now, Stone Street Capital Commentary, Structured Settlement Factoring News, Structured Settlement Watchdog®, VA Structured Settlements | Permalink

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April 24, 2023

Stone Street Capital Canard "You Deserve Cash Sooner"

by Structured Settlement Watchdog
 
A recent Stone Street Capital Stone street capital retort to you deservead's premise is quite simple, if you don't read it literally.  They give you pennies on your structured settlement dollar and you "get the cash you deserve sooner".  That's supposed to be a fair deal? 
 
No "Stone Soul Picnic"
 
If you have a structured settlement don't fall for the grammatically challenged, capital letter missing on a personal pronoun Stone Street Capital sucker's play "Structured settlement i have - You Deserve Your Cash Sooner".  Think about what Stone Street Capital's marketing pitch literally says...
 
1. I (i.e. you) have a structured settlement
2. Someone other than you (the way it is written) deserves your cash sooner.  You see what they did? That's stone cold busted right there.
 
Most people who are receiving stable income tax free payments don't need to sell them for pennies on the dollar.  You can buy a lot of lollipops with what you save, Sweet!
 
 
 
 

Posted at 07:52 AM in Beware Cash Now Suckers Play, Chesterbrook Structured Settlements, Stone Street Capital Commentary, Structured Settlement Factoring News, Structured Settlement Transfers, Structured Settlement Watchdog®, The Cash That You Deserve Canard | Permalink

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January 18, 2023

Cash Trapped in Structured Settlement Annuity is Latest Cow Poo from Stone Street Capital

by Structured Settlement Watchdog

Cow Poo is on the menu at Stone Street Capital as it seeks to convince potential customers to collect pennies on the dollar in exchange for the noble act of freeing "cash trapped" in a structured settlement annuity. If not for yourself, do it for the "trapped" Abe Lincolns.

Pennies on the dollar trapped in a stone street ad

Before selling for pennies on the dollar read this Selling A Structured Settlement in 2023? Get The 411 on Cash Now (4structures.com)

Posted at 10:32 PM in Stone Street Capital Commentary, Structured Settlement Factoring, Structured Settlement Factoring News, Structured Settlement Humor, Structured Settlement Watchdog® | Permalink

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June 29, 2022

How Long Are State Legislatures Going to Tolerate Bribes for Structured Settlement Factoring Quotes?

by Structured Settlement Watchdog

Some "pennies on the dollar" merchants offer bribes just to induce potential customers with structured settlements to seek quotes from them. 

Are these Structured settlement watchdog side barfinancial inducements improper?  Should they be illegal as a matter of public policy?  Are these financial inducements ethical?

What is a Bribe in this Context?

Bribe "something that serves to induce or influence.  e.g. offered the kid a bribe to finish his homework"   

Source: Aunt Merriam Webster

Here we are not speaking of inducing Fifi the Frenchie to give a high five by rewarding them with a treat.  Fifi is being rerwarded for good behavior. Pennies on the dollar is not a treat or reward for an annuitant's good behavior! It's an inducement to sell an asset at a discount, make a certain financial loss from a siginificant asset, possibly their only significant asset.

Consder this example, where Stone Street Capital, a purchaser of structured settlement payment rights and a member of the JG Wentworth family, offers a $100 inducement just to get you to seek a quote from them. Seen recently...

 *This offer is subject to you receiving a quote for the sale of qualifying payments, our verification that you are currently receiving those payments and that they are available for purchase. This offer is not for a loan or advance. The $100 for a quote will be fulfilled in the form of an e-gift card that will be emailed to the email address you provide".

The fine print includes a consent to be contacted by automatic dialers and so on. Oh joy! One more robocaller to pile on to the unabating debt elimination calls, cascading cable tv cacodemons,  wretched auto warranty wranglers, the vexatious assemblance of amazon spoofers, pinpricking solar panel peddlers, flabbergasting final expense flipperheads, senior benefits jive turkeys, and government agency spoofers who claim to have the dreaded but completely random "notice in your name". 

Bribes for structured settlement factoring quotes warning

A Glaring Inequity Exists with the Potential to Distract and Harm Consumers

This type of conduct would be deemed illegal under state insurance laws in New York and Florida  (scroll down to see below, especially highlighted language).

But for some reason there is a gaping hole in structured settlement protection laws, where there should be protection for consumers (structured settlement recipients) who rely on structured settlement annuity payments, that is long overdue to be addressed. States such as Louisiana, Maine, Maryland and Minnesota which require the registration of structured settlement transferees should continue to lead the way by clamping down and introduce measures to discourage and eliminate this potentially unhealthy business practice.

Equity is an prominent topic in the national discourse these days. But there's no equity between permissible conduct by structured settlement factoring companies (structured settlement transferees) and those who hold insurance licenses to solicit insurance, including structured settlement annuities.  Think about it, a licensed insurance agent (such as one who is a structured settlement broker or settlement planner) with few exceptions, cannot offer to pay someone $100 (or provide a gift card worth $100) as an inducement to request a quote.

New York

Opinion of General Counsel No. 04-08-03 (August 3, 2004) states, in relevant part, that:

Inasmuch as the gift certificate or the [gas] card being offered is not a "keepsake" within the meaning of the statute, but is expected to be used shortly after receipt and then be discarded, it would not fall under the "keepsake" exception of N.Y. Ins. Law § 2324 even if the agency name was placed upon it.

Therefore, despite the low value of the gift card as it is not an article of merchandise it is rather more similar to cash and thus it would not qualify for the exemption and it would be an illegal inducement pursuant to N.Y. Ins. Law § 2324(a) (McKinney Supp. 2005).

Florida

Referral fees – referral fees are either cash or an item given to the source of a referral provided for the referral of a prospective insurance customer. The fees are lawful provided they are given for every referral, not just those that result in insurance sales. Acceptable fees can be paid in cash, with a gift card, merchandise, lottery tickets, etc. There is NO limit on the amount of a cash referral fee or the value of merchandise.  For reference, DFS cites section 626.112(8), Florida Statutes.

Marketing/Advertising Gifts – these are items of merchandise given to prospective or current policyholders or to the public that market or advertise a licensee or agency. Acceptable items include coffee mugs, golf balls, golf towels, mouse pads, calendars, etc., and generally include the name of the agent or agency. Cash, gift cards, lottery tickets, etc., are not acceptable advertising gifts. Effective July 1, 2018, new legislation substantially expanded Section 626.9541(1)(m), Florida Statutes, by allowing insurers and agents to give advertising and promotional gifts having a total value of not more than $100 per insured or prospective insured in any calendar year.

Unlawful Inducements – the definition of an unlawful inducement in its simplest terms is to give a prospective customer, existing customer OR ANY OTHER PERSON a “thing of value” in exchange for something of value to the licensee. An example is giving any person or entity cash, a gift card, merchandise, lottery tickets, tickets to a sporting event, etc. in exchange for the ability to produce an insurance quote or sell insurance. If another agent or agency sells the same product for the same price, the consumer may choose to work with the licensee that offers a gift card. According to DFS, the law was created in part to deter unfair competition among licensees.  DFS refers licensees to section 626.9541(1)(h) which is titled "Unfair methods of competition and unfair or deceptive acts or practices defined".

Gaps in Regulation of Structured Settlement Transferees

Why does this longstanding inequity exist?

Given that neither of these states require any sort of licensing or registration of structured settlement transferees, state legislature in these and other states should perhaps address the following two questions:

  1. What if an employee of a Florida structured settlement factoring company, or a factoring company in another state were to engage in this activity with a structured settlement annuitant?
  2. What if an employee of a Florida structured settlement factoring company, or a factoring company in another state were to engage in this activity with an individual or individuals with access to non public personal identifiable information concerning structured settlement annuitants?

 

 

Posted at 04:06 AM in Baltimore Structured Settlement Cash Now, Buffalo Structured Settlement Cash Now, Cash Now Pushers | The "Cash Now Fix", Cleaning Up "The Structured Settlement Neighborhood", Secondary Market For Structured Settlement Payment Rights, Stone Street Capital Commentary, Structured Settlement Factoring, Structured Settlement Factoring News, Structured Settlement Watchdog® | Permalink

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January 08, 2017

Attorney Fee Deferral in a Settlement Planning Context For Trial Lawyers

by John Darer® CLU ChFC MSSC CeFT® RSP CLTC

What is Attorney Fee Deferral?

Attorney fee deferral is a financial planning strategy in which a lawyer or law firm's contingency fees are paid over time based on an agreed schedule. Taxes are paid when payments are received.

An attorney fee deferral can be effectuated in a number of ways such as

  • Structured attorney fees, funded by a fixed structured settlement annuity issued by a licensed insurer
  • Structured attorney fees through with index linked periodic payment adjustments, issued by a licensed insurer.  More here
  • Structured attorney fees through future payments
  • Attorney fee deferral through a deferred compensation program adapted for contingency fee lawyers using the same platform used by many Fortune 500 executives. that permits a market adjusted approach as well as unique flexibility and liquidity

Why consider attorney fee deferral?

  • Stable income. income smoothing may be helpful to lawyers whose revenues are cyclical. Attorney fee deferrals through one or more of the above methods, can provide you with a predictable source of income either way.
  • Supplement for your retirement plans. Attorney fee deferrals augment your retirement security, similar to traditional qualified retirement programs and IRAs, without contribution limits , or penalties if you receive payment prior to age 59 1/2 or after don' take out enough after age 70 1/2.
  • Core low risk base for your investment portfolio. Attorney Fee deferral funded with fixed annuities can serve as a component of the stable foundation that allows you to invest other funds in higher-risk investments.
  • Save taxes now and make the money work for you during the time before it is paid out.
  • Source of income for predictable future life events.

 

Posted at 02:47 PM in Albany New York Structured Settlements, Boca Raton Florida Structured Settlements, Bowling Green Kentucky Structured Settlements, Bridgeport Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Buffalo New York Structured Settlements, Connecticut Settlement Planning, Hartford CT Structured Settlements, Lexington KY Structured Settlements, Long Island NY Structured Settlements, Los Angeles CA Structured Settlements, Louisville Kentucky Structured Settlements, Maryland Structured Settlements, NC Structured Settlements, New Jersey Structured Settlements, New Orleans Louisiana Structured Settlements, New York City Structured Settlements, New York Personal Injury, New York Settlement Planning, New York Structured Settlement Practice, New York Structured Settlements, Newark NJ Structured Settlements, Newburgh Structured Settlements, NH structured settlements, NJ Structured Settlements, NYC Structured Settlements, Orange County Structured Settlements, Orlando Florida Structured Settlements, Palm Beach Structured Settlements, Philadelphia PA Structured Settlements, Rhode Island Structured Settlements, Rochester Structured Settlements, Sacramento Structured Settlements, San Francisco Structured Settlements, Santa Monica Structured Settlements, Sarasota Structured Settlements, St. Louis Structured Settlements, Stone Street Capital Commentary, Structured Settlements in Georgia, Structured Settlements in Illinois, Structured Settlements in Ithaca New York area, Structured Settlements in Maine, Structured Settlements in Miami Florida area, Structured Settlements in Michigan, Structured Settlements in Nassau County, NY, Suffolk County Structured Settlements, Syracuse Structured Settlements, White Plains Structured Settlements, WV Structured Settlements | Permalink

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April 22, 2016

More Maryland Woe For Structured Settlement Buyout Companies on Lead Poisoning Cases

by Structured Settlement Watchdog®

Recent structured settlement reforms in Maryland can't sweep structured settlement secondary market's dirty laundry under the rug, nor should it.

Dirty laundry
Members of the National Association of Settlement Purchasers Can't Hide From Their Dirty Laundry

A woman who was found to be functionally illiterate with a fourth grade reading level after suffering lead paint poisoning was able to sell off her structured settlement payments, primarily to Bethesda based Stone Street Capital, according to a CBS News report which aired on Wednesday April 20, 2016. Her lawyer Saul Kerpelman said to CBS "it was impossible that she was able to read and understand the documents that were given to her . Literally impossible."   An admission that the deal should not have happened came from Earl Nesbitt, a Dallas lawyer, who represents Stone Street Capital in Texas and also is of counsel to the National Association of Settlement Purchasers. This deal, and many other secondary market deals throughout the industry..."should never have happened'.

Crystal Linton's case has shades of Mary Alice Rose, the case that preceded the blistering front page Washington Post articles in August 2015 that blew the underbelly of the structured settlement factoring industry wide open, stimulating legislator and judiciary outrage that led to rapid sweeping judicial and legislative change in the way structured settlement factoring transactions are handled in Maryland.  Soon more dirty laundry of the structured settlement secondary market was exposed:

  • October 2015, young New York native Cedric Martez Thomas does a massive factoring deal with Novation Funding LLC DBA 365 Advance selling $6.600,000 of periodic payments starting virtually immediately for $1,037,000, taking advantage of young Cedric for over $1,400,000 spread. More than one company has told us they would have paid $2,500,000 or higher.  Young Cedric could have had his cake and eaten it too. Instead he will unfortunately be sucking wind for a long time. Novation Funding, using another DBA Novation Settlement Solutions,  continues to grossly mislead consumers in its advertising that it pays the maximum lump sum payouts. 
  • A December 2015 front page news story in the Washington Post about Terrence Taylor a high value structured settlement annuitant who, through a flabbergasting level of judicial inadequacy in Portsmouth  VA, was able to complete 11 structured settlement factoring transactions in 2 years and unload millions of dollars in in payments.  Litigation has been pending for over a year and one of the companies sued, related to Client First Funding, yet another NASP member, has settled.   The Taylor story led to legislative reform of the structured settlement protection act in Virginia.
  • Jose Manuel Camacho, Jr,  a sleazy and corrupt now former Miami lawyer and former sponsor of the National Association of Settlement Purchasers who represented companies such as Liberty Settlement Funding, Novation Funding LLC,  Annuity Transfers Ltd and CBC Settlement Funding  (All of them members of the National Association of Settlement Purchasers) was arrested in October 2015 for forging 7 Broward County Florida judges' signatures on over 100 documents related to structured settlement transfers. Payment have been frozen to investors in the deals until the mess is sorted out.  One of the forged Camacho deals involved Earl Berghman a 67 year old Florida resident who was charged an obscene 48.69% discount rate  by Novation Funding.

The National Association of Settlements Purchasers mouthpieces' credibility is eroding rapidly as their  "it's not us it's them" has spectacularly backfired. Most of the bad news has been coming out about members of NASP. 

Following the CBS News Report Stone Street Capital's response was to tweet a picture of young John Travolta with the paraphrased caption " I've got bills they're multiplying", the picture from a movie whose title is a ironically descriptive of the dirty laundry in the industry  "Grease".

Best John Travolta movie quotes that could be figuratively attributed to, or used in a discussion of the structured settlement secondary market:

  • "Whew, this movie business is tough. I might just have to go back to loan-sharking for a while to get some vacation."   as Chili Palmer, in Get Shorty 
  • "Misdirection. What the eyes see and the ears hear, the mind believes",  as Gabriel in Swordfish
  • "I ain't your friend palooka", as Vincent Vega Pulp Fiction (could describe the reality of who NASP members truly work for when push comes to shove) 
  • "Oh, f*ck the future!"  Tony Manero, Saturday Night Fever  (could be used to describe many NASP members advertising "why wait?" or "no more waiting")

Posted at 12:12 PM in Baltimore Structured Settlements, Bethesda Structured Settlements, Cash Now Pushers | The "Cash Now Fix", Factoring Company Bad Business Practices, Maryland Structured Settlements, National Association of Settlement Purchasers (NASP), Secondary Market For Structured Settlement Payment Rights, Stone Street Capital Commentary, Structured Settlement Factoring, Structured Settlement Factoring News, Structured Settlement Protection Acts, Structured Settlement Transfers, Structured Settlement Watchdog® | Permalink

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February 08, 2016

Stone Street Capital LLC was Sued by Tampa Lottery Winner over Suspect Transactions

by Structured Settlement Watchdog®

On February 6, 2015, Claudia M. Miller filed suit against NASP member Stone Street Capital in Leon County Florida in a case styled Claudia M. Miller v Stone Street Capital LLC  in which the complaint sounded in "Civil Theft", that got my attention. [ Reference: Leon County Claudia M. Miller v Stone Street Capital LLC Case 15-00315]  .  Download 2015_CA_000315_COMP_CA_102988855 Claudia M. Miller, an elderly person v Stone Street Capital Complaint  I was inspired to research and seek out the information and came across an investigative report video from a Florida NBC News affiliate published February 4, 2016. 

According to NBC news reporter David Hodges, Claudia Miller won $4million in the lottery in 2010 and she decided to take an annuity instead of a lump sum. The annuity was scheduled to pay her $200,000 per year,  quite a nice "salary". "I wanted to be sure that I had an income," Miller said to NBC.

She subsequently sold some of her payments in a factoring deal that went smoothly.  Then in 2013, someone showed up on her farm who  was "just happened to be in the area".  She says to the reporter that he wanted her to enter a new structured settlement. Since the other deal had gone well, Miller agreed to $500,000 upfront to help pay her taxes. "I explained to the man I'm only going to do one," Miller said.  But she got more than she bargained for. She received a letter in 2014 saying she had entered into structured settlements she didn't agree to.

"They said 'Claudia, they did four deals on you not just one. Four deals!'" Miller said.  That meant $2.8 million gone. All handed over to a Bethesda, Maryland company by the Florida Lottery. "It was like they took a knife, cut me open and jerked my guts out," Miller said

According to the NBC report, Claudia M. Miller's Naples FL attorney Ian Northon, alleged that "once they received her signature they used it over and over again to manipulate the court system," . "They used a Xerox machine, took a signature that was valid to another agreement, put a new one on top and submitted it to the court."

________________________________________________________________________________________________________________________

SIDEBAR: Before I continue, I want to straighten out the mis-characterization of the term "structured settlement" to describe factoring a lottery or structured settlement payment.  What Claudia Miller  initially entered into to was a factoring transaction or transfer of lottery periodic payments rights.  The reason that consumers and even the press at times is confused about the term is because of years of false advertising by the factoring industry over the years. When news of jailed Fort Lauderdale attorney Scott Rothstein's Ponzi Scheme broke in late 2009, the South Florida press and a former US attorney mislabeled pre-settlement financing "structured settlements".

_________________________________________________________________________________________________________________________

Like structured settlement factoring transaction, by law, every structured settlement involving lottery money must be approved by a judge. Lottery winners however, are required to have an attorney and tax adviser.

But Miller never had an attorney. While several court documents show an Indiana attorney as representing her, that lawyer denies even knowing who she is, according to the NBC news  investigative report.

Ian Northon believes someone randomly chose that attorney's name to push the structured settlement through the court.
     
According to NBC, emails obtained by NBC2 also show the Florida Lottery waived Miller's required hearing after only emailing the attorney for the structured settlement company  (Stone Street Capital) and never emailing Claudia Miller herself.

"The Florida Lottery is supposed to keep an eye on that and make sure the statue is being complied with," Northon said.

"Had they picked up the phone at any point along the way and called the lottery winner, (or had her appear in Court as recent structured settlement reforms and proposed reforms in several states require) had they called and said 'Is this what you're trying to do?' they would've known that it wasn't."

When reached for comment on February 8, 2016,  Miller's attorney would only state that the matter has been resolved to the satisfaction of the parties.  

Something is definitely awry.

Call balls and strikes
Legislators Should Install a Regulator "to Call Balls and Strikes" on Structured Settlement and Lottery Buyer and have the power to  "throw da bums out",  if necessary

Here are two HUGE problems exposed by the Miller case that Florida legislators need to address in general. In fact this is a HUGE WARNING to ALL state legislators about the structured settlement protection acts and lottery protection acts.

  • Strangers showing up on your property targeting you to sell your lottery or structured settlement payments.  With no background checks it is possible that felons, sexual predators and other miscreants who would NEVER be able to be licensed to sell insurance, sell securities, be a financial adviser or  be a CPA, can show up on your property because "they happen to be in the area".  Isn't it frickin' amazing that the notaries who charge $5/$10 a hit have to be licensed but that the solicitors of the vulnerable.  There needs to be licensure, rules of engagement and an umpire (regulator) with the power "to call balls and strikes" as well as "throw da bums out" when deserved.

Another major issue

If in fact the lawyer photo copied the Claudia M. Miller's signature then what is happening to that lawyer?  That a lawyer might fro whatever reason,  forge legal  documents is certainly plausible on recent information that is in the public domain.  There is precedent in the State of Florida for a sleazy lawyer to work (have worked) for  factoring companies,  notably former Miami attorney Jose Manuel Camacho, Jr. who had been retained by NASP members Novation Funding LLC, Liberty Settlement Funding,  CBC Settlement Funding, Annuity Transfers Ltd and others,  who has been a charged with (and who admitted to) forging over 100 structured settlement transfer documents using the names of 7 Broward County judges and who was arrested in October 2015.  If in fact Stone Street's attorney in the Miller lottery case created the alleged documents with alleged phony replica signatures then it would cast more aspersion on the credibility of structured settlement factoring documents all over the USA.  A New York paralegal, Thomas Rubino who worked for the New York personal injury law firm of Paris & Chaikin which coincidentally also was retained by NASP member Stone Street Capital,  as well as JG Wentworth,  as well as non-NASP member Woodbridge Structured Funding, admitted to forging the names of 76 judges on 234 transfer orders. according to published reports.  How widespread is this phonus balonus?

 

 

 

Posted at 09:58 PM in Leon County Structured Settlements, Lottery, Stone Street Capital Commentary, Tampa Structured Settlements | Permalink

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September 17, 2015

234 Counts of Forgery While in the Employ of NYC Personal Injury Firm

by Structured Settlement Watchdog®

While employed at the New York personal injury firm of Paris & Chaikin from July 2010 to October 2013,  Thomas Rubino forged the signatures of 76 New York state judges on structured settlement transfer orders as part of a total of 234 counts of forgery on 117 falsified orders and other documents.  The story which the industry has known about for 2 years, made the front page of the New York Post with the headline "Law and Forger" (see below).  In addition to its personal injury practice, Paris & Chaikin represented settlement purchasers, such as JG Wentworth, Woodbridge Structured Funding and Stone Street Capital,  in the acquisition of structured settlement payment rights from personal injury victims just like its own clients.

Paris Chaikin paralegal forged 76 judges signatures Front Page News

Settlement purchasers, mislabeled structured settlement companies in the Statement of Facts accompanying the Rubino  indictment, purchase structured settlement payments rights from the structured settlement recipient and then sell them to third parties or thee rights are packaged into securities and sold to institutional investors.   The that the New York DA's indictment muddles terms that do not reflect what actually occur, is unfortunate testimony to how far the secondary market through its marketing and false adverting has flourished due to a reckless lack of regulation across the United States.

The indictment, published by the New York Law Journal refers to " structured settlement companies buying annuities from the annuity holder".  This is simply inaccurate.

  • A company that purchases structured settlement payments is a settlement purchaser.  Hence the trade association National Association of Settlement Purchasers (NASP).
  • With a structured settlement, the annuity holder is generally the qualified assignment company. Even if structured settlement payment rights are acquired by transfer, the annuity itself is still owned or held by the qualified assignment company.  To be certain what the correct terminology is let's summarize
  • People receiving structured settlements own the rights to the structured settlement payments. They do not own the annuity.
  • A structured settlement buyer is paying a lump sum today to the seller in exchange for the transfer of the future payment rights.
  • The amount that the seller receives is negotiable and may vary between settlement purchasers.

The New York Structured Settlement Protection Act, requires the approval of a justice of the New York State Supreme Court.to ensure that each transfer, each transaction,  is in the best interest of the annuitant and applicable dependents.

Thomas Rubino was arrested on September 16, 2015. In his confession he stated that he was at first overseen by Ian Chaikin,but over time he worked on cases without oversight.  He summarizes his confession by stating the following: THE FORGED ORDERS OCCURRED BECAUSE OF A COMBINATION OF REASONS:

Rubino says he was:

  • Overworked
  • Not Supervised
  • Not Provided Enough Guidance
  • Wanted to Help People Get the Money They Needed

Despite his confession Rubino pled not guilty.

Lawsuits were filed against Paris & Chaikin in June by Woodbridge, JG Wentworth and Stone Street Capital.  60 emails with forged structured settlement orders provided by Stone Street Capital and 57 emails and one fax with forged structured settlement transfer orders provided by JG Wentworth. It appears from the supporting documents that the fraud against Woodbridge was a lottery case.

For more, please read:

The People of the State of New York against Thomas Rubino  Supreme Court of the State of New York,  New York County Index 3525/2015

Criminal Indictment Against Thomas Rubino   Rubino Confession

 

Posted at 04:57 PM in J.G. Wentworth, NY Structured Settlement Protection Act, Secondary Market For Structured Settlement Payment Rights, Stone Street Capital Commentary, Structured Settlement Factoring, Structured Settlement Factoring News, Structured Settlement Protection Acts, Structured Settlement Watchdog®, Woodbridge Structured Funding LLC/ Woodbridge Wealth | Permalink

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Guide to Structured Settlements 2023

  • What is a Structured Settlement? What You Need to Know
    Structured settlements and what you need to know about them including a helpful introductory video featuring 2023 A.M. Best Client Recommended Structured Settlement Expert and Registered Settlement Planner John Darer® of 4structures.com® LLC
  • How Do Structured Settlements Work? How Structured Settlements Work
    How structured settlements work, including 4structures.com LLC's super helpful structured settlement flow chart/diagram showing how structured settlements fit in on the spectrum of settlement planning solutions.
  • Rated Ages and Structured Settlement Cost
    Rated Ages for Structured Settlement Annuities present advantages to all parties. Shift the mortality risk to a life insurance company whose business it it is to assess mortality risk to price its life insurance and annuities. Rated ages boost your structured settlement annuity benefit per premium dollar, or your yield on lifetime payments. Rated ages help to reduce the cost of funding a Medicare Set Aside arrangement where a Structured MSA, is being used { WCMSA LMSA or NFMSA].
  • Structured Settlement Annuity Companies 2023
    Which life insurance companies issue structured settlement annuities going into 2023? A list of current structured annuity issuers, the location of their home offices and their financial ratings from A.M. Best, Moodys, Fitch, Standard & Poors and/or other Tier1 NAIC ratings, with links to their websites and other useful information.
  • Treasury Funded Structured Settlements
    Treasury Funded Structured Settlements are a settlement option for the most conservative using the OTHER permissible qualified funding asset under IRC 130(d), United States Treasury Bonds in addition to, or instead of, structured settlement annuities. Treasury Funded Structured Settlements can also be used to fund installment sales, also known as structured sales and other non qualified structured settlements.
  • Compare Structured Settlement IRR to Other Settlement Alternatives
    Use the Taxable Equivalent Yield chart to help compare the Internal Rate of Return (IRR) of a structured settlement to other alternative or complementary investments. Need help with the chart? Call 4structures.com® LLC at 888-325-8640
  • Structured Settlement Payments | Types of Structured Settlements
    Ways You Can Structure Your Settlement Payments. With a structured settlement you can have more than one type of payment in a single contract. Different types of structured settlement payments can be customized and combined to meet your needs on a stand-alone basis, or in conjunction with other financial products. Diversify your structured settlement, if you wish, by funding with more than one annuity issuer, with treasury funded structured settlements, index linked structured settlement payments and market based structured .
  • Structured Attorney Fees for Tax Deferral for Contingency Fees
    Structured attorney fees is a financial strategy that offers a unique way to defer taxes for lawyers and law firms. Lawyers CAN structure their legal fees even if the plaintiff doesn't structure their settlement. There are multiple ways to structure your attorney fees, such as the an index linked structured settlement where payments are adjusted based on upside changes in the S&P 500 with no downside and a cap of 5%. Trial Lawyers may also use a special deferred pay/deferred compensation arrangement, if market based returns returns are desired with no cap. Plan NOW for year end! Put structured attorney fee expert John Darer® on your settlement planning team.
  • Structured Settlement Annuity Company Customer Service Phone Numbers
    Receiving structured settlement payments from your own structured settlement or inherited structured settlement? You'll like this huge time saver. Click the title for a link to a comprehensive list of customer service telephone numbers that includes both current AND former structured settlement annuity issuers and reinsurers. If you have simple bank or beneficiary changes, or if the insurance company that issued the structured annuity has merged, sold or spun off its block of structured annuity business (e.g. Aviva, Allstate, Transamerica, AEGON, GE Capital, Liberty, CNA, Confederation Life) or changed its name and you're trying to track them down, here you go! The list is regularly updated. Last updated September 14, 2023
  • Structured Settlement Quote Lock-Ins | What You Need To Know
    What does a Structured Settlement Lock-In Mean? How do plaintiffs, defendants and insurers benefit from a structured settlement quote lock in when finalizing a settlement? How does the defendant/insurer/court benefit from using a structured settlement lock-in? Where to be careful when using structured settlement lock ins.
  • What Are Structured Settlement Annuities?
    Structured settlement annuities are annuities that can provide one or more customized annuity payment streams in a single contract. Read about structured settlement annuities here.
  • History of Structured Settlements
    Tracing the roots of structured settlements history from 1918, when Congress exempted damages for personal injury or sickness from income tax, to the establishment of structured settlements as a core personal injury settlement planning tool to the present day.
  • What Are Market Based Structured Settlements?
    Market based structured settlements are an alternative or supplementary structured settlement solution for the plaintiff, attorney or law firm that: 1. Can afford to take some market risk 2. Have discretionary settlement dollars. Claimants and attorneys alike may find that market-based structured settlements provide the opportunity to receive tax-free income, or tax-deferred income, while enjoying growth potential.
  • iStructure |Uncapped Fixed Index Structured Settlement Annuity
    iStructure is an innovative game changing fixed index structured settlement annuity for plaintiffs or attorneys. with an intermediate to long term horizon

Qualified Settlement Funds

  • What is a Qualified Settlement Fund?
    Qualified Settlement Funds | What You Need to Know
  • Firmwide Qualified Settlement Funds Debunked
    Firmwide qualified settlement funds have been heavily promoted to trial lawyers, but have been debunked in a detailed analysis in a July 2022 legal opinion a tax partner at the law firm of Faegre Drinker Biddle & Reath, LLP. Trial lawyers and firms who have established Firmwide QSFs or coinsidering establishing a Firmwide QSF should read the analysis as part of their evaluation.

Contact Structured Settlement Expert John Darer®

  • More about John Darer® Structured Settlement Expert and Certified Financial Transitionist
  • How To Make Comments...I Really Enjoy Hearing From Readers
  • CALL 888-325-8640 (Toll Free USA) if you need a structured settlement expert, have questions about Structured Settlements, Financial Settlement Planning , Structured Attorney Fees, Structured MSAs, or just to have a good chat about what to do!

About The Structured Settlement Blog

  • Subscribe to John Darer's Blog | Here's How!
    Simply Click the Subscribe Button at the top left of the page above the blog title which will take you to the blog subscribe page or follow this link https://feeds.feedblitz.com/structuredsettlements
  • STRUCTURED SETTLEMENTS 4REAL® Blog Is a Popular Source of Structured Settlement News and Information, John Darer Reviews, Settlement Planning News and Financial Solutions for over 18 years,
    with a stable readership that seeks credible structured settlement information, John Darer Reviews, commentary and/or opinion about topical issues related to settlement planning, targeted to lawyers, injured persons and their family members, guardians, survivors, judges, magistrates, special masters, mediators, administrators, trust companies, insurance company executives and adjusters, financial advisers, settlement professionals, financial professionals, insurance regulators, government leaders, federal and state law enforcement, buyers and sellers of structured settlement payment rights, the news media and other interested parties. 4structures.com LLC established this structured settlement blog in 2005. John Darer ®, CLU ChFC MSSC CeFT® RSP CLTC, President of 4structures.com, located in Stamford, CT 06902. John Darer is an experienced New York City area structured settlement expert, structured settlement broker, Certified Financial Transitionist, and Registered Settlement Planner. He holds insurance licenses in 45 states, has 40 years financial services experience and more than 29 years in the structured settlements and settlement planning space. In his capacity as a investigative journalist and commentator, and professionally, John Darer passionately believes that shining the light on a business practice is both healthy and newsworthy. It is in the best interest of injury victims, their families and their legal advisers, that the settlement planning discussion involve those that are properly trained in the topic, properly informed on the topic and, with respect to structured settlements, properly licensed and/or appointed. It has significant instructional and deterrent value to other practitioners and firms as well as those who may be caught in the cross hairs. WHAT YOU GET here is the straight stuff with a touch of irreverence and humor. We hope you enjoy and find the content to be helpful. Subscribe to the structured settlement blog feed, or a specific category feed through your blog reader, or through the Subscribe button at the top left of this page. Followers of JDDarer™ on Twitter may also receive select content. If you would like to speak with John he can be reached at (888)325-8640 Thank you for reading! Last updated December 4, 2023

Useful Financial Calculators, Charts & Glossary

  • Economic Report of the President
  • Living To 100: Life Expectancy Calculator
  • Structured Settlement Factoring Discount Rate Calculator
  • Glossary of Structured Settlement, Settlement Planning Lingo and Legal Terms
  • U.S. National Debt Clock : Real Time
  • FDIC: Electronic Deposit Insurance Estimator (EDIE)

New York City Structured Settlements

  • New York City Structured Settlement Experts
    Bridge building settlement consultants who collaborate with clients using a humanistic process, providing creative and reliable advice and support for litigating parties and their lawyers with matters in Courts throughout the New York City metropolitan area
  • New York Structured Settlement Expert
    Whether you're at the crossroads of the world or the crossroads of your life, structured settlements provide stability for when life is at a crossroad. Call 888-325-8640
  • New York Settlement Planning Expert for NY Attorneys and Residents - YouTube
    New York settlement expert John Darer's comprehensive approach to Settlement Planning helps New York personal injury lawyers and their clients move through the financial transition resulting from a major life event. CPLR Articles 50A and 50B expertise for New York lawyers
  • New York CPLR 50A /50B Structured Judgments | Interest Rate Bonanza - YouTube
  • Should You Take a Structured Judgment or Settle Case in NY? - YouTube
    Should you take a CPLR 50 A or CPLR 50B structured judgment or should you try and settle? A discussion of some of the considerations.
  • New York Structured Settlements | 4structures.com LLC
    New York Structured Settlements and Structured Judgments website.
  • New York Structured Settlement Expert
    Useful information and ideas about structured settlements, settlement planning and litigation recovery managements for New York residents, New York Lawyers and New York judges
  • New York General Obligations Law §5-1702
    The New York Structured Settlement Protection Act imposes mandatory requirements on the defendant or the defendant's legal representative when a structured settlement is created (as part of the resolution of a case)
  • Structured Settlements v Structured Judgments
    Often confused by writers on the Internet, but there IS a difference between structured settlements and structured judgments under CPLR Articles 50A or 50B. Find out more...
  • New York Structured Settlements Best Practices Corner
    A omnibus selection of best practices learned "on the road" and through research that settlement consultants and their clients should be aware of.

Connecticut Structured Settlements

  • Connecticut Structured Settlement Experts
    4structures.com LLC is based in Stamford CT and Connectict works with clients all over CT, Greenwich, Stamford, Darien, New Canaan, New Haven, Hartford, West Hartford, West Haven, Torrington, Danbury, Wilton, Ridgefield, Norwalk, Midletown, New London, Westport, Oxford, Stratford, Old Greenwich, Stafford, Storrs, Groton
  • Help With Structured Settlements
    Help with all aspects of structured settlements
  • Rep. Joe Courtney D-CT - "Structured Settlements & Holly's Story-Video
    Connecticut Rep. and former Plaintiff lawyer Joe Courtney discusses structured settlements and favorable experiences using them with his former clients in this May 2009 video.

Structured Settlements 4Real Reader Comments

  • "You have a wonderful blog"
    Partner in Philadelphia law firm August 30, 2020
  • "Impressive Blog" -Counsel to Am Law 200 ranked International Law Firm July 22, 2020
  • "Thank you so much for giving us your time and leading us in the right path , Thank you, you are a God send , God bless you in all your works" -K April 11, 2017
  • "Once again, I can't tell you how appreciative I am for your help. In today's day and age, it is rare that you actually find people who are willing to go the extra mile..." -TC May 5, 2015
  • "I wanted to send you this email to say Happy New Year to you and your family. May God continue to bless you. I am grateful that I had the opportunity to meet you on the phone. I truly thank you for introducing me and my son, (redacted) to (lawyer). It is people like you that God put in the path of my son situation. Thanks a million times! {original on file] 1-2-2015
  • "John Darer has been nothing but honest,helpful,informative with options, & his "time" was NEVER an issue!"-Andrew S 8/18/2012
  • " I wish there were more like you" JG 9-15-2014
  • In my opinion, John Darer is an excellent consumer advocate in the insurance industry. When I had no one else to turn to after running up against the stone walls of these giant insurance company, John Darer used hours of his own time to investigate my situation. Not only is this an invaluable service to me the consumer but it is also of great value to the insurance industry by providing them consumer feed-back. This allows the insurance companies to correct their faults and move toward greater transparency which improves the overall public image of the insurance industry as a whole" JW 9/4/2014
  • John, Keep fighting the fight. -NASP member 12-4-2013
  • John...Thank you for your professional advice-Brandon 11-13-2013
  • "...Thanks to Mr. Darer's blog and personal pointers I was able to obtain a fair price for the sale of client structured settlement. Therefore, if one has no choice, but to sell their settlement educate yourself first before selling start by reading John's blog" Mr P. 11/17/2012
  • "I always appreciate when he (John Darer) keeps us informed on regs and rules. No one does it better"- structured settlement industry colleague and reader RY 7/26/2012
  • "Amen - and continued thanks for your vigilance, John"- RL 8/18/2011
  • "Thanks for writing these great blogs on your site John! As an individual investor I have learned so much about the secondary market (for annuities, structured settlements, lottery payments, etc.) from your blogs and video series!!!" (6/5/2011)
  • I have found the intelligent and forthright information on your site a godsend. So much so I have tried in a small way to pass on my findings to others. Please keep up the good work and enhance your well deserved reputation as the authority on this subject- Mike 4/29/2011
  • John - I can't thank you enough for bringing this to my attention. In my wildest dreams... PJ-May 12, 2011
  • John, I love reading your blog! Not only have I found very useful information there, but the comedy is much appreciated! Thanks for talking about "the big pink elephant in the living room" that everyone else ignores! Thank you again for your help via phone and blog! I really needed to hear what you had to say today! BM 11/23/2010
  • John—this (video published 11/2010) is a well done piece. I like the way you always stick to the facts-AM
  • What a wonderful blog you have! I have completely enjoyed reading some of your posts (4/16/2010)
  • Thank you so very much for discussing my concerns about Symetra, my annuity company. I am amazed that PI attorneys as well as a settlement broker in San Diego, could not answer the simplest questions I had regarding the Safeco/Symetra issue. Your blog/web site is most interesting and informative, and I am grateful you have take on the "watchdog" role! Thank you so much again (3/25/10)
  • "Keep up the good work exposing abuses in our industry - our future depends on clients being properly advised."-CD
  • Just checked out your blog and loved it. Keep up the good and balanced work-DL
  • "...we have never met but I thoroughly enjoy your web site and blog - excellent material…-PB
  • "I enjoy your website and its content. Informative and well written"-JC
  • I heard a radio ad for the Peachtree Settlement Fund as I was driving into work this morning. (San Francisco Bay area.) I decided to check it out on the Internet and came upon your blog. Thank you very much. I do not have a “structured” settlement,
  • "All the others that I had emailed & have seen on the net were "cash now types" & have no concern of me & just are looking for my $$$. When I came across your site & blog I realized that u are an upstanding guy & are not like others. That's why I emailed"
  • This was Great. Right On Point-TS
  • "Other Than John Darer No One Seems To Be Doing Anything"-J
  • Thanks for your help and also for the good work you do on behalf of our industry-L
  • "Thank you for being the inspiration that you are and for being a strong advocate for integrity in our business"-KL
  • "I Commend You On Your Effort To Make a Difference!" -R
  • "He is a fabulous writer who has a great passion for the structured settlement industry. I commend him on the passion he invokes when he writes on his blog listed above. That type of commitment and passion is hard to find and is rare in this world" -AC

Structured Settlement Best Practices Corner

  • New York Insurance Advertising law requires the full name of the Insurer to be listed along with the city and state of the principal office. Stating that you represent these fine companies using Insurance company logos without the preceding information are also illegal
  • When it comes to settlement documents it is the ultimate responsibility of the lawyers or claims adjusters who receive input concerning the structured settlement aspects of the documents to actually read the entire document, exercise independent thought and advise their clients properly
  • Be aware that financial advisors use of testimonials is prohibited or restricted
  • Most states require that Testimonials represent the CURRENT opinion of the person who made the testimonial. Be prepared to back it up.
  • Number of States That Prohibit Payment of QSF expenses by licensed agents and brokers
    5 Survey not yet complete.

Legal Search Engines

  • Law Guru

Retirement Resources

  • Boston College Center for Retirement Research

Independent Professional Advice

  • Independent Professional Advice for Sellers of Structured Settlements

Copyright and Trademark Notice


  • All posts, including memes created by John Darer, Copyright 4structures.com, LLC 2023. All rights reserved. Ongoing filings have been made with the United States Copyright Office. Except for those videos in which John Darer appears, or any video advertisements or public service videos appearing on, this blog, no claim is made to videos, music or images in any mashup which are the property of their respective owners. Disclaimer: The use of any marks herein does not suggest any sponsorship, affiliation or relationship with owners of such marks. Any marks used in commentary herein are in the context of fair use to discuss the newsworthy topics presented herein.
  • Structured Settlement Watchdog® is a registered trademark of 4structures.com LLC.Reg. 4711312 All rights reserved.
  • John Darer® is a Registered Trademark of John Darer, Stamford CT. Reg. 4674907 All rights reserved
  • 4structures® Reg. 4640532 and 4structures.com® Reg. 4640531 are Registered Trademarks of 4structures.com LLC. All rights reserved
  • Structured Settlements 4Real® is a Registered trademark of 4structures.com LLC Reg.4345946 All rights reserved.

Comments and Trackback Policy

  • Comments and Trackback Policy
    Comments to this blog are encouraged, welcome and add spice to the interactive nature of blogs. However, the unscrupulous practice by some to deliver comment spam, to connect all manner of unrelated products to structured settlements, detracts from user experience, is NOT tolerated by this author and thus necessitates the practice of comment screening.

Secondary Market Blawgs or Websites

  • Edward Stone Law
  • Secondary Market Annuities Are Not Annuities
    The term secondary market annuity is a scam label that uses the cachet of legitimate annuities to capture investors

Special Needs Blawgs and Resources

  • Jay J. Sangerman, PLLC
    A New York and Florida based AV rated estate planning law practice with an emphasis in Supplemental Needs Trusts, which assists attorneys in efficient case settlement though the use of Supplemental Needs Trusts and Special Needs Trusts; and Elder Law
  • Day Pitney LLP - People - Keith Bradoc Gallant
    Brad's practice includes traditional trust and estate planning and administration, special needs and disabilities planning, planning for same-sex couples and their families, planning for incapacity, and all types of probate litigation.
  • Lisa Nachmias Davis - New Haven, CT
  • Richard L. Shea, Esq. Newington, CT
  • The Connecticut Elder Law Blog: Special Needs Trusts
    Michael J. Keenan, Esq. of Keenan Law, LLC in Glastonbury, CT
  • Florida Special Needs Lawyer David J. Lillesand
    Lillesand and Wolasky, P.L. Miami and Gainesville, FL

Executive LIfe of New York (ELNY)

  • John Darer® Appears on NBC News 4-New York report on Executive Life of NY - Structured Settlements 4Real® Blog: Structured Settlements | Settlement Planning News and Commentary
  • Structured Settlement Diversification | ELNY Recap with John Darer® - YouTube
  • Lessons from Executive Life of New York- ELNY Why Were All Their Eggs in One Basket? - YouTube
  • Executive Life of New York Liquidation-2 (ELNY) John Darer®/Wahlstrom - YouTube
  • Executive Life of New York - YouTube
  • Executive Life of New York: What's Going On? - Structured Settlements 4Real®: What's Real News in the Structured Settlements, Settlement Planning, Consulting and Lawsuit Recovery Space?
    A collection of articles and news reports about Executive Life of New York ("ELNY")
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Pages

  • CrowFly LLC Misleading "Purchase Structured Settlement Annuity" Paid Ads Exhibit
  • Einstein Structured Settlements Social Media Road Kill Exhibit
  • Executive Life of New York | How Much Dirt Was Publicized in 1980s?
  • Executive Life of New York: What's Going On?
  • Is there a Conflict of Interest for Plaintiff Settlement Consultants?
  • Lawsuits Against Pension Advance Companies
  • Lawyers Commentary on Structured Settlement Factoring
  • New York Structured Settlement Best Practices Corner
  • Structured Settlement Factoring Discount Rate Calculator 2023
  • Structured Settlement Reporting Wall of Shame | South Florida Edition
  • The Deceptful Use of Disposable DBAs by Structured Settlement Factoring Companies

Law Firm Blawgs

  • Aviation Law Monitor: Michael Danko Law Firm
  • Belluck & Fox, LLP
    Help with Information about litigation concerning Mesothelioma and Asbestos from New York Law firm
  • Edward Stone Law Blog
  • Forrest McPadden News
  • Massachusetts Personal Injury Blog | Christopher Earley
    Boston Personal Injury Lawyer
  • New Jersey Injury Lawyer & Attorney : Law Offices of Scott D. Grossman : Serving Monmouth County, Bergen County
  • New York Appellate Law Blog
  • New York Injury Law Blog | Ziff Law
    Ziff Law Firm, LLP Elmira, New York
  • NY Employment Atty Law Blog
  • Personal Injury Law in Wisconsin
    Jon Groth of Groth Law Firm, S.C. MIlwaukee, Wisconsin
  • The Volokh Conspiracy – Reason.com
    Mostly law professors

Blog Search Engines and Directories

  • Justia Blawg Search
    Search engine, articles, and directory of legal blogs.

Social Media Road Kill Museum

  • Einstein Structured Settlements Social Media Road Kill - Structured Settlements 4Real® Blog: Structured Settlements | Settlement Planning News and Commentary

Helpful Structured Settlement Information is Here!

  • Learn more about structured settlements by reading structured settlement expert John Darer's blog
    Researching Structured Settlements? It may be helpful to check (1) in Archived Blog Posts (above left); (2) use the Google search box (below); (1) visit the 4structures® website at https://www.4structures.com, (4) vist 4structures® Structured Settemlent Experts YouTube Channel by clicking https://www.youtube.com/user/4structures1, or (5) call settlement expert John Darer® at 888-325-8640, toll-free in the USA, 646-849-1588 in New York City, or 203-325-8640 in CT.
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  • The John Darer® authored Structured Settlements 4Real® blog is the most prolific structured settlement blogger with over 5,330 blog posts, and counting!

Why Take a Structured Settlement?

  • A structured settlement offers guaranteed financial security to personal injury victims, wrongful death survivors and their families. A structured settlement involves a customized stream of payments, provides long-term stable tax-free income, for a period of years or a lifetime. Unlike other income annuities. a structured settlement annuity can have multiple payment streams to address multiple needs in a single contract.

Recent Posts

  • What is a Qualified Assignment Release and Pledge Agreement (QARP)?
  • Texas Structured Settlement Conundrum Solved | Structured Settlement is Not a Judgment
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  • Paul Tudor Jones "Plenty of Room to Raise Taxes, Change Social Security, Cut Health Insurance"
  • Plantiff Encounters of the Irreverent Mind
  • J.G. Wentworth Massive Costume Blooper Muddles Vikings with Order of the Water Buffalo
  • Does the Structured Settlement Annuity Contract Transfer When You Deal With JG Wentworth or Lump Sum Funders?
  • Brook Chase (1966-2023) 1988 NCAA Lacrosse National Champ and Structured Settlement Advisor
  • Plummer's Annuity Expert Advice Fails Structured Settlement Fundamentals
  • Can Structured Attorney Fees Be Paid to a Law Firm?

Tax Deferral Resources | Defer Taxable Settlement

  • Intellectual Property Structured Settlements
    Your Source for Intellectual Property Structured Settlements From Silicon Valley to Silicon Alley
  • Defer The Taxes Settlement Consulting | 4structures.com LLC
    Keep More of Your Taxable Settlement

  • Boston College Center for Retirement Research
    Helpful research on topics related to retirement issues including income and healthcare
  • Deferred Income Annuity Blog

Other relevant websites and blogs of interest

  • London Market Structured Settlements Experts
    Bridge building settlement consulting using a humanistic process, providing creative and reliable support for London Market Insurers, Lloyds Syndicates, Claims Professionals and Lawyers
  • New York Structured Settlement Experts
    Bridge building settlement consultants who collaborate with clients using a humanistic process, providing creative and reliable advice and support for litigating parties and their lawyers.
  • Structured Settlement Broker | NY/CT/NJ 888-325-8640
    John Darer is a structured settlement broker
  • The Structured Settlement Watchdog® John Darer®
    What is the mission of the Structured Settlement Watchdog? The Who, The What and The Why.
  • Structured Settlements Expert | John Darer
    John Darer is Structured Settlement Expert
  • Connecticut Structured Settlements in Stamford, CT
    Do you need advice on structured settlements and settlement planning
  • New York Structured Settlements - Settlement Planning, Structured Settlements, Structured Settlement Companies
  • FactCheck.org
    nonprofit "consumer advocate" for voters that Aims to reduce the level of deception and confusion in U.S. politics. They monitor the factual accuracy of what is said by major U.S. political players in the form of TV ads, debates, speeches, interviews and news releases.
  • NYC 9-11 Health
    The World Trade Center Health Registry is now the largest registry in U.S. history to track the health effects of a disaster. The federally funded program is information central for first responders and others with health issues from 9-11
  • NY Personal Injury Law Blog Eric Turkewitz
  • Structured Sales Authority
    One of the authors other blogs with posts concerning structured installment sales of real estate and businesses
  • Financial Aid Resource fo College
  • Individual Finance & Insurance Decisions Centre
    Moshe A. MIlevsky
  • WSJ Law Blog
  • Wood LLP
    Robert Wood, Esq. Settlement Tax Expert
  • New York Civil Law Blog Matthew Lerner
Structured settlement experts
  • Structured Settlements 4Real® Blog: Structured Settlements | Settlement Planning News and Commentary
  • John Darer on About.Me
  • John Darer National Ethics Association
  • About John Darer 4structures.com LLC
  • 4structures2023 on Instagram
  • New York Structured Settlement Experts
  • London Market Structured Settlements
  • 4structures Blog
  • John Darer on Twitter
  • 4structures and John Darer AM Best Client Recommended Structured Settlement Experts