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I decided to sell my annuity payments so that this year, I wouldn’t have to worry about how I was going to afford the rising costs that come along with the hot summer months. While I always look forward to the arrival of summer, what I don’t look forward to is the increased costs and stress of trying to keep ahead of electricity and water bills that just seem to pile up.

Real stories make a real difference. This is especially true when a someone decides to sell lottery payments for a lump sum. We sat down with one of our senior account executives—Brian M.*—to give us some insight into his experiences working with lottery winners.

In this exclusive interview, Brian provides valuable information about what can determine if selling lottery payments for a lump sum is the right decision.

When it comes to selling your structured settlement, you can either be a fool or you can make your sale foolproof. Use these helpful tips for selling your structured settlement and make sure you not only have the best experience possible, but also get the most money!

Whether you were the victim of a debilitating car accident or out of work due to an on-the-job mishap, you may have found yourself in the middle of a lengthy court battle to determine if you should be awarded a structured settlement. If you’ve asked your attorney for some sort of resolution, they may have suggested applying for a pre-settlement loan, or as they’re sometimes referred, lawsuit settlement loans.

At one time or another, we’ve all felt the pinch when expenses have outweighed income. Regardless of how you’ve come to find yourself in such a financial bind, tension and stress can be a real consequence. However, if you’ve been awarded a structured settlement, you have options that most others do not. You can opt for someone to buy structured settlement payments for a lump sum of cash.

If your financial obligations are becoming too much for you to handle, you may be have made this definitive statement: “I don’t know what to do…It may be time to sell my annuity payments.” Other options are less than viable; payday loans come with exorbitant interest rates, personal or family loans sink borrowers further into debt and for many, taking on an a second (or third) job just isn’t in the cards.

At RSL Funding, we love hearing from our clients after they get cash for structured settlements and discovering how much it has changed their lives. This year, we received a special Mother’s Day letter from the daughter of one of our clients that details just how important a lump sum could be…

Ask just about anyone on the street if a cash payout could help them out, and you’ll get a million different reasons on how the money would be used. In 2014, the average American household credit card debt was $7,283 and mortgages, student loans, car payments, and medical bills are putting people into further debt.

Entering into an agreement with structured settlement buyers can be a nightmare, but if you choose a company with a  stellar reputation, you can avoid setbacks, delays, hidden costs, and lots of aggravation.

It’s an all-too-common scenario: the security of structured settlement payments is overshadowed by an immediate need for a large lump sum—big bills require big money. Rather than waiting month after month (or quarter after quarter) to get cash-in-hand, you can sell your structured settlement payments–It’s a time-saving option that gives you access to the cash you need, without the worry of paying it back.

You’ve made the decision to sell your annuity, and now you think your next move is to begin the process. You may feel panicked and stressed out—you needed a lump sum of cash yesterday. But before you start picking up the phone and dialing the number you saw on a late night TV ad, your first step is to devise a game plan.

You need to come up with some quick cash, and the income you are currently receiving isn’t enough to cover your expenses. Fortunately you are receiving structured settlement payments. With several options to choose from in the marketplace, how do you know which is the best for you? Because these situations often arise with a sense of urgency, it’s important to fully understand all of your choices so you don’t bury yourself in even more debt.

You’ve seen the ads—people shouting out of their windows, “It’s my money and I need it now!” The problem is—“now” is a relative term. The time it takes to sell a structured settlement isn’t as speedy as you’ve been led to believe. So how long does it take for someone to buy structured settlements?

Whether you’re enrolled in a 401(k) through your company or sinking money into an IRA, investing in annuities is common practice for retirement. Annuities come in a variety of options: qualified or non-qualified, fixed or variable, deferred or immediate. The buyer can specify if they want payments disseminated monthly, quarterly, or annually.

You’ve literally hit the jackpot. Congratulations! Instead of receiving a single lump sum, you’re now receiving periodic payments from your lottery annuity. Perhaps you opted for the payments because you wanted to be financially responsible by having a steady stream of income. Regardless of how you came to receive your lottery annuity, there might come a time when you could really use a cash infusion in a lump sum.