"No one pays much attention to how a person who has been injured is going to live while waiting for a case to go to trial. The legal system puts people who cannot afford to wait for their money at a disadvantage."
Have You Been Injured? Are You In A Lawsuit? Do You Need Money Today? Does It Seem As If The Delays Won't End And The Bills Never Stop? If This Describes Your Situation... Relax Because 1st Choice Funding Provides Innovative Solutions Designed Specifically to Solve Your Financial Situation
Is your financial situation described above? If so take heart because you're about to discover the #1 solution to solving the current financial crisis your enduring. Designed just for injured plaintiff's, an innovative program called "No Win...No Pay...No Risk" Litigation Financing which provides an innovative solution. 1st Choice Funding is here to position you with the opportunity to obtain your own "No Risk" Litigation Financing based entirely on the anticipated future of a legal settlement. With "No Risk" Litigation Financing you can receive money in just days vs. waiting for an insurance settlement which may take months or even years to receive. Yes today while waiting for your insurance settlement you can have "Risk Free" cash in hand now!
So what exactly is a Lawsuit Loan and how do Lawsuit Loans work for injured plaintiffs? Simply put Litigation Financing is money offered by private investors who are investing in your lawsuits success, and by providing you with money today ahead of future settlement, you're provided with the remedy plaintiff's like you are forced to endure; first by circumstances and injuries beyond your control which impact your ability to maintain your income. Then later by greedy insurance company's who're in no hurry to settle your case because they want to settle for pennies on the dollar when you're more likely starved out. With "No Risk" litigation financing you have the opportunity to obtain long needed cash and resolve a pressing financial crisis. Lets look at the amazing benefits "No Risk" Litigation Financing offer to plaintiffs:
"No Risk" Litigation Financing Offers Cash NOW Without Credit!
A "No Risk" Litigation Financing Offers Cash NOW Without Employment! A "No Risk" Litigation Financing Offers Cash NOW Without RISK!
A "No Risk" Lawsuit Loan Offers Cash NOW Without Monthly Payments!
A "No Risk" Litigation Financing Offers Cash NOW Without Collateral!
A "No Risk" Litigation Financing Offers Cash Now Without Waiting!
Here's Just One of Our Happy Clients Funding Story:
"Today I would like to tell you about 1st Choice Funding and what this organization has done for our family.
6 years ago my husband Jon became very ill after ingesting a prescription drug. The damage from this drug resulted in 42 hospitalizations, 20 critical care situations and over 2.5 million dollars in medical care and medications. By the time we discovered law suit funding everything we had was exhausted, savings, trust funds, credit...... everything. And we were struggling for our next meal.
We applied for our funding with 1st Choice and were approved for $25,000.00 plus 3 month allowances of $25,000.00 increments and we need it. But our attorney at the time was not doing his job and he refused to work with the funding company.
At that point we lost hope. Everything in danger, both home and business phones cut off, no heat, no food (we were living on pancakes and beans), and no light at the end of a very long tunnel, until the owner of a competing video store came to my business with a message from Kari Gray of 1st Choice Funding. The message was marked "URGENT".
Kari lost contact with us but remembered we owned a video store, but we had no phone there either. When she tried locating us through our then attorney, she was provided no assistance in locating us, so Kari made the call to the competing store with this message. She searched and found a new attorney for us who was excited about our case. The new attorney could not understand why our old attorney had denied us the staying power to survive through our law suit.
So to make a long story short, thanks to the Kari Gray CEO of 1st Choice Funding and the Team there not only do we have financial security and the staying power to allow our new attorney to get what our case is worth, we have a chance to save my husbands life. Just 2 months ago we hoped for maybe another year, now we have hope for so much more.
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Workers Compensation Litigation Financing Is Available in;
1. ALABAMA
2. ARIZONA
3. ARKANSAS
4. CONNECTICUT
5. FLORIDA
6. GEORGIA
7. IDAHO
8. ILLINOIS
9. INDIANA
10. IOWA
11. KANSAS
12. KENTUCKY
13. LOUISIANA
14. MAINE
15. MISSISSIPPI
16. MISSOURI
17. MONTANA
18. NEBRASKA
19. NEW HAMPSHIRE
20. NEW MEXICO
21. NORTH DAKOTA
22. OKLAHOMA
23. RHODE ISLAND
24. SOUTH CAROLINA
25. SOUTH DAKOTA
26. TENNESSEE
27. VERMONT
28. OHIO
California Workers Compensation 3rd Party Cases
If You Do Not See Your Listed Above Look at the 2nd Category Below....
Workers Compensation Cases In These States:
1. Alaska
2. Colorado
4. Hawaii
5. Maryland
6. Michigan
7. Minnesota
8. Massachusetts
9. Nevada
10. New Jersey
11. North Carolina
12. New York
13. Ohio
14. Oregon
15. Pennsylvania
16. Texas
17. Utah
18. Virginia
19. West Virginia
20. Wisconsin
21. Washington
22. Washington D.C.
23. Wyoming
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There’s no doubt about it, a "No Risk Litigation Financing is simply amazing because there is simply no program anywhere comparable to the benefits "No Risk" Lawsuit Loans offers to injured plaintiffs! How so? Only "No Risk" Litigation Financing puts cash in hand now giving you the financial staying power to survive the "starve out" tactics insurance companies play everyday with injured plaintiffs. ONLY Litigation Financing provides 100% "Risk Free" money to an injured plaintiff and if your case qualifies and your a recipient of a Lawsuit Loan, and the unthinkable happens: you never receive settlement on your case, the Lawsuit Loan advance you received is never paid back! That's right even if your case is lost, 100% of the money advanced and the interest it earned is NEVER paid back, not one penny EVER! Only with "No Risk Litigation Financing" can you be a winner no matter your cases outcome and only with money advanced in a Lawsuit Loan are you as the plaintiff winning 100% of the time, no matter your cases outcome, your a winner, a real first wouldn't you agree?
Only a "No Risk” Lawsuit Loan Provides Cash Today Without Risk and only with Litigation Financing are there No Tricks or Gimmicks! 1st Choice Funding understands the legal system as well as the insurance industry, and as such we also know the financial hardship both create for injured plaintiffs, thus we offer the most innovative "Risk Free" solution to this paradox by offering to plaintiff's a portion of their anticipated settlement money through our "No Risk" Litigation Financing program. Note what Boston Bar Association Ethics Committee Chairman Gerry Cohen said as he summed up the financial plight litigants suffer in his summary of the litigation system:
"No one pays much attention to how a person who has been injured is going to live while waiting for a case to go to trial. The legal system tends to put people who cannot afford to wait for their money at a disadvantage."
While Mr. Cohen aptly describes your situation, 1st Choice Funding provides a solutions you can take to the bank! How so? Because everyday due to no fault of their own injured plaintiff's like you are subjected to pain and suffering, combined with never ending delays before settlement and you have the perfect environment for the insurance company to achieve the upper hand because by delaying settlement on a claim, the insurance company knows statistically your earning are effected and lessened, and less earnings elevate stress levels through the financial hardship they create. Combine these factors with simple economics that the longer the insurance company can delay settlement, the more interest they earn because they have billions of dollars which to earn interest with so for them its smart business, for you it’s a travesty of justice that this is an acceptable business practice allowed by our justice system. Now add financial hardship time creates which increases the likelihood you'll settle your case for far less than your case is worth if your financially pressed. Thus don't fool yourself the insurance company's study the statistics and with this information they know how to stack the odds against you as everyday hard pressed litigants like you fall to the "starvation methods" of fractional settlements offer create in increasing profitability.
What though happens financially to you when you're waiting for final settlement; 1st you wait for treatment, then wait for recovery, then wait for trial, then wait for judgment, then wait for compensation, and while your waiting for every phase of the process to proceed, your resources aren't waiting because nothing else in life waits: not the mortgage or rent, not the credit card payments, not the car payments, not the insurance premiums, not the utilities, not the groceries....
Nothing else in life waits, except a future settlement.
Thus the financial hardship plaintiffs endure for even basic necessities of life can become a challenge as delayed settlements create overwhelming financial demands and so the cycle continues, with the end result being another desperate plaintiff is "starved out" and forced by circumstances to accept a low dollar offer in order to obtain what seems like some kind of financial relief. Being “desperate & destitute” you're right where an insurance company wants you to be because desperate plaintiff's settle cases everyday for pennies on the dollar as fractional settlements are good for business as they increase insurance company profits significantly.
However with “No Risk Litigation Financing" you'll be able to for the first time "level the playing field" because a "No Risk" Lawsuit Loan provides the cash you need to stay a float as it affords your attorney with the time needed to obtain full case collection so both you leave the settlement table a winner!
Depending on your injuries 1st Choice Funding's investors can provide cash from $5,000.00 (case value must be $50,000.00) to $5,000,000.00. After receiving supporting documentation, your attorney's cooperation is essential here, a funding determination will be made and you will be notified.
Why Should Your Attorney Cooperate With Your Request For Funding?
Fact 1- Professional Ethics:
Attorneys are legally and ethically barred from assisting clients financially, no matter the financial hardship a client faces or how the attorney personally feels, the attorney of record can not assist a client with personnel or living expenses. The attorney may only incur expenses for filing fees, expert testimony, or plaintiff medical care, etc.
Fact 2- Attorney Violation:
An attorney who violates the laws of professional conduct risks discipline including penalties, injunctions or disbarment, and disbarment means a loss of an entire career. No attorney will accept such a risk in behalf of a client.
Fact 3- Attorney Mandates:
According to the American Bar Association, the States Bar, and the States Attorney Generals Office, only disinterested 3rd parties LEGALLY are permitted to issue a lawsuit loan.
Fact 4- Buying Time:
Most injured litigants do not have the financial where with all to endure both the loss of income due to an injury along with the time used by delayed settlements, with this “one, two punch” insurance companies are able to create the environment where they obtain the upper hand as clients are offered and accept pennies on the dollar settlements everyday unnecessarily.
Fact 5- Attorney Earnings:
Contingent attorneys earn significantly more money across the board when clients who receive a lawsuit loan are in the financial position to endure the insurance companies delayed settlement tactics. The facts show that lawsuit loans are good for plaintiffs and for counsel because when clients have the financial fortitude to buy the time needed, the "window of opportunity" then allows the attorney the time needed to work effectively in obtaining the maximum settlement for the case.
How Will I Know If My Case Qualifies for a Litigation Financing?
Here’s the Lawsuit Loan Criteria;
1. You MUST have an attorney who is on a contingency basis which means if they don't win they don't get paid 2. There MUST be an insurance company or a self insured company at fault. 3. You MUST have real injuries which can be proven, NO SOFT TISSUE INJURIES- Strains, Sprains, Whiplash etc.
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1st Choice Funding assists litigants everyday like yourself through a difficult period in life. NEED PROOF? For testimonials on what this program has done please refer to our testimonials page by
Litigation Financing Money Provides The Ability Today To:
Pay Bills
Pay Medical Expenses
Receive Needed Medical Care
Avoid Serious Financial Crisis
Prevent Evictions, Foreclosure or Bankruptcy
Maintain A Standard of Living
Obtain Ongoing Advances In Certain Critical Care Cases
For Post Settlement Plaintiff Cases
If you've won your lawsuit and are waiting for collection, "No Win...No Pay...No Risk" Lawsuit Loans provide funding for post settlement plaintiffs cases too. Larger advances may be available through the "No Risk" Post Settlement Litigation Financing program. Irregardless in delays of payment or for cases on appeal, Post Settlement Litigation Financing is available today through 1st Choice Funding's "No Risk" Litigation Financing solutions. "No Risk" Lawsuit Loans bridge the gap delayed settlements create, and 1st Choice Funding is committed to ensuring every litigant receives a
fair and equitable outcome despite insurance company stall tactics!
No Credit Needed for Litigation Financing
No Monthly Payments on Litigation Financing No
Employment Needed for Litigation Financing No Collateral
Necessary For Litigation Financing Affordable Rates**
1st Choice Offers FREE LAWSUIT CASE EVALUATIONS There's No
Obligation To Repay Litigation Financing If Your Case Is
Unsuccessful
1st Choice Funding takes pride in offering the lowest lawsuit
loan rates in the industry and as professional financial consultants we work for you to ensure your financial interest are protected! 1st Choice Funding is here not to
exploit your financial difficulty but rather to ensure you receive a fair and equitable opportunity for full settlement and financial recovery.
1st Choice Funding brings to the table a variety of Lawsuit Loan programs
each designed specifically to benefit every client with the lowest
possible fee's available. Our consultants provide a free review of your file and then based on your case type and damages, we will select the investor
who provides Litigation Financing at the lowest rate of
return available.
Our Litigation Financing programs are as follows:
1. All Litigation Financing clients pay a 20% fee of advanced amount on successfully funded cases. This is not on case settlement nor on cases not funded. To illustrate $5,000.00 in Litigation Financing incurs a $1,000.00 fee added to the repayment
amount “if & when” funding and settlement occurs.
Depending on your case type, Litigation Financing
differs from case to case in interest rates. Each of our
interest/no interest programs are as follows, and prior to
receiving "No Risk" Litigation Financing you will be advised of the investor's Litigation Financing
program rates who provides you the lowest cost of contingent return. We offer
2. 3.5% Work comp
interest compounded monthly on Litigation Financing 3. 2.9%
Interest compounded monthly on Litigation Financing 4. 5%
Simple Interest monthly on Litigation Financing 5. 8%
Interest compounded monthly w/ a 6 mo minimum on Litigation Financing 6. 10% Simple Interest Litigation Financing 7. 0%
Interest for plaintiff's who sell a portion of
their lawsuit. 8. 39% Annual Interest
10. 3.99% Compounding Litigation Financing Interest 11. 5.99% Litigation Financing Compounding Interest
All set up and interest fees are only due if and when settlement occurs and that's the beauty of a "No Risk" Litigation Financing. As professional
financial consultant's 1st Choice Funding is here to protect your
financial interest by offering the widest variety of programs
available anywhere. Depending on the type of lawsuit you have, and the
amount of Lawsuit Loan money you need, combined with the time frame that occurs before collection, each plays a role in the total return cost. Your personal
financial consultant will assist in achieving a financially sound plan as our "No Risk" Litigation Financing is one phase in assisting you in achieving financial recovery.
An ever growing trend in the arena of litigation has opponents and supporters in a gridlock and at the center of the controversy is a new type of service called “litigation funding, litigation financing, or lawsuit loans”.
For opponents their position on the lawsuit loan debate is clear, Litigation Financing exploits litigants at a time when they are most vulnerable”. Opponents use terms like “usurious” or “champery” to describe what they feel litigation financing is. For most of the populace though terms like “usurious” or “champery” are not used in everyday conversation, however in legal circles such terms refer to activity that exploits, and exploiting is illegal no matter the cause.
For supporters their position in this debate is also clear: “opposing a lawsuit loan is objectionable and is the result of an uninformed mind. When opponents blanket a long needed and valuable service like Litigation Financing with emotionally offensive terms like “exploitive or illegal” they do so because they “don’t have the facts. Sadly it seems many don’t seem to want the truth either” say supporters.
Now despite the gridlock it appears both sides do agree on this one fact; exploiting hardship is nothing new and is definitely not limited to the arena of Litigation Financing. So then the questions remain; Do Litigation Financing exploit hardship? Is Litigation Financing illegal? If so “Why do many attorneys support their clients in obtaining them? What are the facts about Litigation Financing and how do such facts affect your decision and opportunity to obtain Litigation Financing?
Consider the following regarding this heavily debated issue and then decide for yourself whose side of the Litigation Financing issue you stand on;
Fact 1 Legal Ethics:Attorneys are legally and ethically barred from assisting clients financially. No matter what financial hardship a client is enduring, the attorney of record can not assist a client with personnel or living expenses. Attorneys may only incur expenses for filing fees, expert testimony, or medical care in behalf of the plaintiff.
Fact 2 Only Disinterested 3rd Parties: - ONLY disinterested 3rd parties are by law in every state LEGALLY permitted to issue Litigation Financing to a plaintiff for living expenses, and the Litigation Financing investor may secure such an advance by a lien filed on the case at the time of issuance.
Fact 3 Professional Disbarment: An attorney who violates the mandates on Litigation Financing risks severe professional discipline including; penalties, injunctions or disbarment. No attorney will accept such a risk in behalf of a client.
Fact 4 Case Risk: Each lawsuit filed is unique and as a result there's never a guarantee of success on any given case, no matter how clear the liability appears to be. A lawsuit loan is a risk to the investor who makes such an advance and risk and interest rates are directly related to each other in an venture capital situation.
Fact 5 The American Bar's Opinion: According to the American Bar Association, the States Bar for each of the 50 States and the States Attorney Generals Office for each State, only disinterested 3rd parties LEGALLY are permitted to issue Litigation Financing on any case.
Fact 6 Delays In Settlement: Delayed insurance settlements are a common business practice which generates billions in added revenue to insurance company’s profits every year. Delayed insurance settlements create the right environment for the insurance company when financial hardship for plaintiff is the result. Statistics clearly show economic hardships coerce plaintiffs into accepting fractional settlements and fractional settlements cost both plaintiffs and their contingent attorneys.
Fact 7 Level The Playing Field: Most injured litigants do not have the financial where with all to endure both the loss of income due to an injury plus delayed settlements. With a “one, two punch” insurance companies are able to create the environment where they obtain the upper hand as clients are offered and accept pennies on the dollar settlements.
Fact 8 Attorneys Earn More Money: Contingent attorneys earn significantly more money across the board when clients who have received a lawsuit loan are in the financial position to endure insurance companies delayed settlement tactics. The facts show that lawsuit loans are good for plaintiffs and for counsel because when clients have the financial fortitude to buy the time needed, such time then allows the attorney “the window of opportunity to work effectively in obtaining the maximum settlement on the case.
Fact 9 Interest & Risk Are Factors: Litigation Financing Lawsuit loan interest rates vary greatly depending on the investor. Because not all Litigation Financing investors offer clients the lowest rate, clients are best served by a professional financial consultant who works to negotiate in behalf of the client the lowest rate of return for the Litigation Financing lawsuit loan. Only a professional financial consultant is trained to most effectively represent a client in securing Litigation Financing and only a professional financial consultant can assist a client in obtaining the least expensive return on Litigation Financing. 1st Choice Funding possess an extensive database of investors whose rates are monitored, and only 1st Choice Funding works diligently to place clients with the investors who will offer the lowest rate of return on each lawsuit loan issued.
At the center of the controversy over the lawsuit loan issue isn’t the fact that plaintiffs receive money based on future settlement, but rather on the fact that Litigation Financing accrues interest, interest which is only paid along with the advance when and if the case settles.
Now for a third party investor (the only entity legally permitted to assist the client financially) to advance money on a case without risk to the client or the attorney, and then to not be compensated for the risk they assume, is not realistic. Ironically these same opponents have been polled regarding the return they would want if it was their money that was invested in these same cases, and quite revealing it is to hear opponents admit “if it was my money I guess I would want the same in return or more.” Is it possible then for some opponents that another underlying reason though not expressed outright is the real reason such object to Litigation Financing? You decide.
For a private investors who offer Litigation Financing such are on average compensated 50-55% of the time on the cases they invest in. Thus built into the interest return is the risk they assume as well as the loss ratio on each Litigation Financing. If lives were lived in reverse no investor would need added interest to cover losses but because none of us knows from day to day what tomorrow will be, the cases who are successfully litigated must provide the compensation to keep the investor solvent.
Why then would a competent attorney refuse to direct a client who may be in the midst of financial crisis to a lawsuit loan? Opponents assert issues such as; “The interest accrued could prevent the case from settling when the investor wants the advanced money plus interest and there’s no money left for the client and the client refuses to settle” or “The settlement offer may not cover all the liens on the case and a lawsuit loan may prevent settlement from occurring” or “The attorney finds the interest exploitive and wants to protect the client from harm”.
While each of these reasons sounds good and it may be on occasion a well meaning attorney discourages a client from pursuing Litigation Financing, which proves to be to the client’s detriment as well as the attorneys, some attorneys have gone even farther and refused to cooperate with a client who seeks Litigation Financing. Well meaning attorneys feel convinced their client’s financial interests are being exploited by a lawsuit loan. However the attorney in actuality is jeopardizing their clients relationship because the client will take their case to an attorney who will represent them as well as assist them in obtaining financial staying power through Litigation Financing. Thus in the end what did the attorney gain by opposing the clients in acquiring Litigation Financing?
Sorting through all the issues still the question remains: Are clients being exploited by Litigation Financing? To answer this question let’s examine 1st Choice Funding and the lawsuit loan program they offer called “No Risk” Litigation Financing. Let’s see if the opponents to Litigation Financing have merit in their argument.
Because Litigation Financing is called a loan the question is “Are Litigation Financing lawsuit loans a loan”? In order to answer the question fairly let’s compare Litigation Financing to a traditional loan. Review the facts then ask yourself “when was the last time I was offered a traditional loan under these terms; A loan without credit A loan even with bad credit- no matter how bad a credit score is A loan without collateral of any kind A loan without employment A loan without a monthly payment A loan without repayment if I loose my lawsuit
Only with “No Risk” Litigation Financing are recipients offered money from private investors based on the likelihood of success and are offered such at conservative amounts of 10% of the anticipated recovery. Why only 10% of the anticipated recovery? To protect the client in the end so when settlement occurs the client receives a fair portion of the settlement.
Now when hastily comparing “No Risk Lawsuit Funding” to “traditional bank loans” this is not an “apples to apples” comparison, but rather an "apples to oranges" comparison, now which one is the apple and the orange depends on your position regarding Litigation Financing. If you’re interest rate sensitive then a credit card or 2nd mortgage is more to your liking. But with the incredible advantages “No Risk” Litigation Financing offers is money today without risk, and interest rates averaging 3-5% per month, then a lawsuit loan is your best option. If not being strapped with more monthly debts plus being relieved of a repayment obligation if you loose your case is more to your liking, then a “no credit needed- no monthly payments ever- no risk Litigation Financing” is most definitely your preferred option.
Everyday thousands of litigants are joining the proponent side of the lawsuit loan issue and are part of the swelling list of supporters who not only have benefited by Litigation Financing but clearly feel others should have the right to benefit from a lawsuit loan as well. The question remains: “Are opponents right? Are litigants being exploited?” Let the facts speak for themselves:
FACT I- Attorneys remain in full control of any case leveraged by Litigation Financing and the investor never interferes with nor jeopardizes the cases integrity at any time.
FACT II- Clients are provided with a Litigation Financing contract which discloses all repayment costs in full. This information is provided prior to the Litigation Financing being issued. There are no later surprises to the client jeopardizing the potential future settlement of the case.
FACT III- Attorney’s are provided with full disclosure of a lawsuit loan’s terms before a client signs the contract, all disclosures are made prior to the Litigation Financing's execution.
FACT IV- Attorneys hold no financial responsibility for repayment on cases unsuccessfully litigated which cases have received Litigation Financing against.
FACT V- No terms supersede the original executed lawsuit loan contract without consent of all parties involved. There are no later surprises for a "No Risk" Litigation Financing.
FACT VI- Attorneys hold no financial responsibility for repayment on a client’s lawsuit loan, even if the attorney acts in negligence in handling a case.
As professional financial consultants 1st Choice Funding specializes in Litigation Financing for both Plaintiff’s and Attorney’s. With a company commitment of "Protecting Your Interest from Interest", 1st Choice Funding takes exploitation out of the lawsuit loan debate by making a commitment on each funding to secure the lowest rate of interest for the type of risk the case contains. 1st Choice Funding works for clients not investors, thus 1st Choice Funding works to protect the client’s financial interest just as the attorney works to protect the client legal interest.
1st Choice Funding works to protect clients financially when such seek to obtain a lawsuit loan, because protecting clients today is not a commitment it’s a passion. As professionals 1st Choice Funding believes in building lifelong client relationships, relationship for both today and for tomorrow because we believe while Litigation Financing may be a necessity today, our professional financial services are what our clients need for tomorrow and we are here to deliver such.
1st Choice Funding works to “Protect Your Interest from Interest” with “No Risk Litigation Financing.” Litigation Financing from 1st Choice Funding is your 1st step to a smarter financial future. 1st Choice Funding provides your Financial Bridge.
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