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                         STRUCTURED SETTLEMENTS 

What is a structured settlement payment?
A structured settlement is a legal agreement whereby one party agrees to make payments over time to another party in exchange for their release of liability to the other.
Such settlements are normally associated with personal injury claims. The plaintiff accepts annuity payments from an insurance company in exchange for their release of liability against the defendant who is the actual purchaser of the annuity on behalf of the plaintiff. Payments are guaranteed to the plaintiff.
Can you sell your structured settlement payments?
Yes, individuals in all fifty states can now gain access to their annuity payments when a financial need arises; some states do require that transfer be determined to be in the best interest of the individual. Rather than wait for your payments over a period of years, you can sell your payments, either all or part, to obtain cash that you may need now.
Why would you want to sell your structured settlement payments? You know your immediate financial needs and you may need cash now to resolve those needs, for whatever reason. This is your resource. You should be able to access these funds when you decide the time is right.

How can I sell my structured settlement payments?
Contact Cinnamon Solutions Corp. today to arrange for a purchase and sale agreement which complies with the funding source's underwriting process. You may need to appear before a judge who will decide if the transaction is in compliance with your state's transfer statute and in your best interest. If the court is in agreement, it will enter an order requiring the insurance company to send the subject payments to the funding source and you will receive your money.
How long will it take you to get your money? The completion of the paperwork could happen within a few days. If statute of your state requires a court order, your hearing would have to be set with the court, which sometimes is a significant factor. In any case, we will work diligently with you to make ensure that the process is as efficient and uncomplicated as possible.
Can you sell only a portion of your payments?
Certainly, you can sell all or only a portion of your payments to obtain the immediate cash you need. We can structure a plan to buy a portion of each payment, payments for a short period time, or lump payments in the future. You tell us what you needs are, and we will do our best to help you fulfill those needs.
Are there tax consequences of receiving funds from your structured settlement?
It is our understanding that there are none. However, you should contact your tax attorney or tax accountant to verify such reality of any tax consequences.
Please note, however, that on June 10, 1999, the IRS issued Private Letter Ruling 119273-97, which confirmed that an individual's sale of their structured settlement payments would not create a taxable transaction. In addition, the United States Congress passed HR 2884, a bill that confirms that the subsequent sale, assignment, transfer, or encumbrance of structured settlement payment rights by a payee to a company does not create any adverse tax consequences for the parties to the original structured settlement, including the payee who makes the assignment of his/her structured settlement payment rights. The President signed the bill on January 23, 2002.
Does my state have transfer statutes that require court orders? Transfer statutes for the following states require either a court order and/or certain disclosures before a structured settlement recipient can sell their annuity payments. Every transfer of payment rights will require a court order to avoid a penalty under HR 2884. Alaska, Maine, North Carolina, Arizona, Maryland, Ohio, California, Massachusetts, Oklahoma, Connecticut, Michigan, Pennsylvania, Delaware, Minnesota, Rhode Island, Florida, Mississippi, South Carolina, Georgia, Missouri, South Dakota, Idaho, Nebraska, Tennessee, Illinois, Nevada, Texas, Iowa, New Jersey, Utah, Kentucky, New Hampshire, Virginia, Louisiana, New York, Washington, West Virginia.
Cinnamon Solutions Corp. will work closely with you to ensure compliance with state and federal statutes regarding the acquisition of court approval to sell your structured settlement payments.