The sale of your structured settlement payments need not be difficult if you take the time and give it some thought. Ask yourself why do you want sell your structured settlement? To put a down payment on a house. College tuition or to pay off some bills.
You do have choices: sell the whole annuity, sell some payments, sell only the lump sum payments or sell part of the monthly payment (say one half) which will give you 1/2 the monthly payment plus some up front cash.
Its important to find a company or broker who purchases structured settlements and who will answer all your questions. Is going to take a good 2 to 4 months to do, so I think you will want someone you feel comfortable with.
You going to need documents to sell your structured settlement annuity. A copy of the annuity, the settlement agreement and release, a photo ID, a copy of your last check and a application. The broker or staff person should help you get the necessary documents.
If you depend on your settlement payments to pay your rent/mortgage, food and electricity, selling your payments may not be the wisest thing to do. Look elsewhere for the money. Your going to find yourself in a jam when the money runs out. Just a thought.
Good luck and if you need any help you can get in touch with me.