If your financial situation is described above take heart, because you're about to discover the most incredible solution for solving a financial crisis designed just for injured plaintiffs in a lawsuit. The answer comes from an innovative program called "No Win...No Pay...No Risk" Pre Settlement Funding and by means of this program, 1st Choice Funding positions injured plaintiff's in a lawsuit with the ability to obtain "No Risk Pre Settlement Funding". With “No Risk” Pre Settlement Funding plaintiffs obtain cash without risk to you as a lawsuit advance is based entirely on the anticipated future recovery of a lawsuit settlement and nothing more. Only the investor who provides the money takes a risk on the success of a lawsuit, in fact not you, not your attorney, not anyone but the investor looses if your lawsuit is not successful for any reason. With “No Risk” Pre Settlement Funding you have nothing to loose and everything to gain because "No Risk" Pre Settlement Funding delivers money in days vs. waiting months or even years for insurance settlement. That's right today, while waiting for a lawsuit insurance settlement you can obtain "Risk Free" lawsuit cash in your hand right now! Are you saying to yourself "right……this sounds too good to be true"? If you think it does, we agree, and that’s why we now invite you to become informed about your lawsuit options and opportunities as an unheard of way to solve pressing and often urgent financial situations.
Simply put Pre Settlement Funding is not a loan but is instead money offered by private investors who, after evaluating your case, see potential success and so they offer needed cash ahead of a potential future lawsuit settlement. Pre Settlement Funding is the remedy to the financial plight you've been forced to endure, and as a suffering plaintiff you know 1st hand how injuries have taken their toll on your income. Add to the equation the insurance company is in no hurry to settle your case, and a lethal combination taking a toll on your finances is at hand.
Why do insurance companies delay settlement, isn't deliberately delaying settlement illegal? Well here are the facts, decide for yourself the answer:
1. You must reach MMR (maximum medical recovery) which MMR takes time to achieve. MMR provides the window of opportunity the insurance company needs to cover the real issue of increasing profits but your recovery in an injury case is a great cover to their standard business practice.
2. Rather than settling your case for all of the damages your going to sustain, the insurance company seeks the right opportunity to settle your claim for "pennies on the dollar" and reduced settlements don't happen unless the adjuster manipulates the claimant to settle before an attorney becomes involved in the process, because attorneys know how adjusters work, its in their training and part of their profit sharing if they can take advantage of an unsuspecting claimant which they are liable for, and offer a pennies on the dollar settlement early on.
3. The “window of opportunity for pennies on the dollar settlements" occurs statistically when you're most likely to be “starved out financially” which in essence means, months down the road at the earliest they will make a very low offer in hopes you will accept such out of desperation. Remember as long as your treating you haven’t reached MMR, so the insurance company has the "legal loophole" which to exploit. What in actuality occurs is an opportunity to later capitalize on your financial destitution.
4. There’s another even larger added bonus the insurance company has in delayed settlements, as such continue earn interest for the insurance company as long as they control your settlement money. If for as long as possible they collectively add hundreds of millions of dollars in added interest during the lawsuit process. Individually there’s not a huge amount of interest earned off of any one settlement however, when such continues to reside in the insurance pool, hundreds of millions earns tens of millions in interest very quickly. Thus the longer the insurance company maintains control of your settlement money, the more interest they earn and offset the settlement they make with plaintiffs.
5. Additionally the longer an insurance company utilizes delaying settlement, the more interest earnings they acquire which in reality means when they finally do compensate you, by maintaining control for the length of time they have, the insurance company actually looses nothing in most instances because the interest earned equals to or is even more than the settlement itself paid out.
While it may be true Mr. Cohen aptly describes the litigation process and the plight such creates for plaintiffs, 1st Choice Funding goes farther as we provide the most innovative financial solution you can take to the bank. Everyday 1st Choice Funding assists injured plaintiffs much like yourself, who themselves were also enduring the "never ending delays syndrome" but who now have been put on the road to financial survival thanks to Pre Settlement Funding .
With “No Risk Pre Settlement Funding" you can for the first time in the lawsuit process actually begin to "level the playing field" because "No Risk" Pre Settlement Funding provides the cash needed to stay afloat as you're provided with the funds needed to pay for life's necessities while buying your attorney the time needed to obtain full case collection. Why is this of such great importance? Because full case collection means both you and your attorney leave the settlements table a winner as Pre Settlement Funding directly helps you, while it indirectly helps your attorney. How so? Because when an attorney works on a contingency which means the attorney is only paid if a win occurs, the attorney using simple math is clearly benefited when you obtain Pre Settlement Funding because without such you may be “forced” to settle "today" which could mean the difference between in tens or even hundreds of thousands of dollars less in a settlement! Remember financial vulnerability is not where you want to be nor should you ever be. As the old saying goes "a chain is only as strong as its weakest link" thus financial pressure is not wise for you for recovery, and as equally unwise for your attorney because from a business stand point, your attorney ethically must settle your case if you say to do so, which can and does happen when a plaintiff is in sore financial straights. But now with the help Pre Settlement Funding provides, early settlements are a thing of the past!
Depending on the injuries and damages sustained (No "soft tissue injuries") Pre Settlement Funding begins at $5,000.00 and is unlimited there after. However, using a basic mathematical principle Pre Settlement Funding is determined on a 10% conservative settlement value. So in order to qualify for Pre Settlement Funding you must first have an attorney, then your attorney must be on a Contingency Agreement (meaning you don't win they don’t get paid) and third your suit must be against an insurance company or a self insured company. The bottom line is, your suit must be real, your attorney must have an interest in ensuring your case will success, and your damages must be against a source that can be collected upon if a verdict is in your favor.
In order to obtain Pre Settlement Funding your attorney must be in agreement and cooperative. We recommend before beginning the Pre Settlement Funding process you provide your attorney with a clear picture of your financial situation. In order to proceed with Pre Settlement Funding your attorney must cooperate and 1st Choice Funding MUST have 100% cooperation at all times. Without such trust our investors will not provide the "crucial link" to money and thus letting your attorney know your financial situation and getting them on the same page before beginning is of ultimate importance. If your attorney is reluctant to cooperate, or may even be negative about your decision to request Pre Settlement Funding please direct them to our website, or have them call us and we will be more than happy to help them better understand how you and they both are going to be benefited by your receiving Pre Settlement Funding .
If a private investor finds after analyzing your case your lawsuit qualifies for Pre Settlement Funding, you have 2 entities on your side, your attorney as your first line of defense and 1st Choice Funding and our investor portfolio as your second. Thus for the 1st time since the litigation process began can you being to "level the playing field" which before was clearly stacked against you but now with our resources at your disposal, you have the staying power the insurance company has not built into their "starvation statistics"!!
There’s no doubt about it "No Risk Pre Settlement Funding simply are amazing and there's no program anywhere comparable to the benefits "No Risk" Pre Settlement Funding offer to injured plaintiffs! Only "No Risk" Pre Settlement Funding puts cash in your hand now giving you the financial staying power to survive the "starve out" tactics insurance companies play everyday with injured plaintiff’s and ONLY Pre Settlement Funding provide 100% "Risk Free" money to injured plaintiffs. If your case qualifies and you’re a recipient of Pre Settlement Funding and the unthinkable happens, you never receive settlement on your case, the Pre Settlement Funding is never paid back, it's that simple! That's right even if your case is lost, 100% of the money advanced and the interest it earned are NEVER paid back....not one penny... EVER! Only with "No Risk Pre Settlement Funding" are you a winner no matter your cases outcome because ONLY with money advanced from Pre Settlement Funding are you as the plaintiff winning 100% of the time no matter your cases outcome! That's a real first wouldn't you say? It does about time someone was on the “little guys” side wouldn’t you agree? 1st Choice Funding is and we're here to prove it!
Only "No Risk” Pre Settlement Funding Provides Cash Today Without Risk. No Tricks or Gimmicks and we're not kidding because 1st Choice Funding understands what you’re up against. We understand the legal system as well as the insurance industry and we also know the financial hardship both create for injured plaintiffs. That's why we have worked tirelessly to develop the most innovative "Risk Free" solution to this paradox while offering to plaintiff's a real solution. Pre Settlement Funding is the answer to the financial plight injuries and lost income, and the litigation process leave behind.
Because attorneys are guided by the following Professional Rules of Conduct:
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's medical care.
Fact 2 Only Disinterested 3rd Parties:
ONLY disinterested 3rd parties are by law in every state LEGALLY permitted to issue Pre Settlement Funding to a plaintiff for living expenses, and the Pre Settlement Funding investor may secure such an advance by a lien filed on the case at the time of issuance.
Fact 3 Professional Disbarment:
Any attorney who violates the mandates regarding assisting clients financially risks professional discipline including; penalties, injunctions or disbarment. No attorney will accept such a risk in behalf of a client no matter how they may personally feel about their clients needs.
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. Pre Settlement Funding is a risk to the investor who makes such an advance and risk and interest rates are directly related to each other in a 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 Pre Settlement Funding 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 Pre Settlement Funding are in the financial position to endure insurance companies delayed settlement tactics. The facts show that Pre Settlement Funding 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:
Pre Settlement Funding interest rates vary greatly depending on the investor. Because not all Pre Settlement Funding 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 Pre Settlement Funding. Only a professional financial consultant is trained to most effectively represent a client in securing Pre Settlement Funding and only a professional financial consultant can assist a client in obtaining the least expensive return on Pre Settlement Funding. 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 Pre Settlement Funding issued.
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
Workers Compensation Lawsuit Loans Are 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
California Workers Compensation 3rd Party Cases
If You Do Not See Your Listed Above Look at the 2nd Category Below....
For Workers Compensation Cases In These States:
1. Alaska
2. California
3. 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
No Credit Needed for
Pre Settlement Funding
No Monthly Payments on Pre Settlement Funding No
Employment Needed for Pre Settlement Funding No Collateral
Necessary For Pre Settlement Funding Affordable Rates**
1st Choice Offers FREE LAWSUIT CASE EVALUATIONS There's No
Obligation To Repay Pre Settlement Funding 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 is 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 Pre Settlement Funding 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 Pre Settlement Funding at the lowest rate of return available.
Our Pre Settlement Funding program is outlined as followed:
All Pre Settlement Funding includes a 20% set up fee of the advanced amount. This fee only applies to successfully funded cases. This fee is neither on case settlement nor on cases not funded. To illustrate the cost for a $5,000.00 Pre Settlement Funding includes a $1,000.00 fee added to the loan repayment amount, which is paid only “if & when” settlement occurs and is applicable on the first $50,000.00 only. For funding amounts of more we will provide a chart to detail the sliding scale of funding amounts.
Depending on your case type Pre Settlement Funding may differ from case to case in interest rates. Each of our programs are as follows and prior to receiving Funding are you advised of the costs. 1st Choice Funding provides the lowest Pre Settlement Funding rates available anywhere as we offer;
Pre Settlement Funding Work Comp Interest of 3.5% compounded monthly Pre Settlement Funding Interest compounded monthly @ 2.99% Pre Settlement Funding Simple Interest of 5% per mo. Pre Settlement Funding Interest of 8% Interest compounded monthly w/ a 6 mo Minimum Pre Settlement Funding Simple Interest of 10% per Mo. Pre Settlement Funding Interest of 0% Interest and The Plaintiff Sells a Portion of Their Lawsuit. Pre Settlement Funding Interest of 39% Annual Interest Pre Settlement Funding Interest of 4.99% Compounded Monthly Pre Settlement Funding Compounding Interest of 5.99%
All set up and interest fees are only due if and when settlement occurs, that's the beauty of a "No Risk" Pre Settlement Funding. As professional financial consultant's 1st Choice Funding is here to protect your financial interest by offering the widest variety of programs available anywhere and depending on the type of lawsuit you have, and the amount of Pre Settlement Funding 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 you in achieving a financially sound plan of action as a "No Risk" Pre Settlement Funding is one phase of assisting you in achieving financial recovery.
The ever growing trend litigation has opponents and supporters in a gridlock and at the center of the controversy is a new type of service called “litigation funding” or “Pre Settlement Funding” which they are most frequently referred to as. For opponents their position they say on the Pre Settlement Funding debate is clear; Pre Settlement Funding is “usurious” and a “Pre Settlement Funding exploits litigants at a time when they are most vulnerable”. Opponents use terms like “usurious” or “champery” to describe what they feel Pre Settlement Funding is. However for most of the populace terms like “usurious” or “champery” are not used in everyday conversation, but in legal circles such refers to activity that’s illegal which is some pretty strong allegations, so is Pre Settlement Funding illegal? Let’s find out.
Now on the opposite side of this issue supporters say their position is clear: “opposing Pre Settlement Funding is objectionable and is the result of an uninformed mind as it appears when opponents blanket a long needed and valuable service like Pre Settlement Funding with emotionally offensive words “exploitive or illegal”, they do so because they “don’t have the facts. Sadly it seems many aren’t interested in learning the facts because of preconceived notions, arrogance, pride or even blatant stupidity, opponents aren’t interested in the facts and the benefits Pre Settlement Funding offers” say supporters.
Despite the gridlock both sides agree on one fact; illegal acts are nothing new and are definitely not limited to the arena of Pre Settlement Funding. So then the questions remain; Are Pre Settlement Funding illegal and do they exploit hardship? If so “Why are thousands of attorneys every year supporting their client’s efforts in obtaining Pre Settlement Funding? How do the facts affect your decision and opportunity to obtain Pre Settlement Funding? Consider the following regarding this heavily debated issue and then decide for yourself whose side of the Pre Settlement Funding issue you stand on.
At the center of the controversy of Pre Settlement Funding isn’t the fact that plaintiffs receive money based on future settlement, but rather on the fact that Pre Settlement Funding accrues interest, which is only paid along with the advance when and if the case settles. For a third party investor, who is 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 be denied compensation for the risk they assume is not realistic. Ironically the same opponents quoted have been polled regarding the “return” they need if it was their money that was invested in the 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 at least some of the objections to be coming from another underlying reason not out rightly expressed? What is the real reason opponents object to Pre Settlement Funding? Well you decide.
The facts are for private investors who offer Pre Settlement Funding are at best compensated 50-55% of the time for the cases they invest in. Thus built into the interest return is the “risk factor” the investor assumes as well as the loss ratio. Obviously 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 recovery in order to keep the investor solvent.
Why then would any competent attorney refuse to direct a client who may be in the midst of financial crisis to Pre Settlement Funding? Opponents assert “The interest 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 Pre Settlement Funding repayment could 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 Pre Settlement Funding because they truly are protecting their client, in most instances “protecting the client” from industry normal interest proves actually to be to the client’s detriment as well as the attorneys. The issue has escalated for some attorneys who have refused to cooperate with a client who seeks Pre Settlement Funding entirely and while a well meaning attorney may feel convinced their client’s financial interests are being exploited by Pre Settlement Funding, the attorney may actually be jeopardizing their clients full settlement, their survival of life’s necessities and even the relationship the client has with the attorney itself because the client always has the option of taking their case to an attorney who will represent them as well as assist them in obtaining financial staying power through Pre Settlement Funding. Thus in the end what really did the attorney gain by opposing the clients efforts to acquire Pre Settlement Funding?
Thus while sorting through all the issues still the question remains: Are clients being exploited by Pre Settlement Funding and to answer this question let’s examine 1st Choice Funding and the Pre Settlement Funding program they offer called “No Risk” Pre Settlement Funding and let’s see if the opponents to Pre Settlement Funding have merit in their argument.
Because Pre Settlement Funding is called a “loan” the question remains “is Pre Settlement Funding really a loan”? To answer the question fairly, let’s compare Pre Settlement Funding to a traditional loan and after review the facts, 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- A loan 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 through “No Risk” Pre Settlement Funding are recipients offered money under these terms as capital from private investors becomes available based on the likelihood of litigation success at conservative amounts of 10% of the anticipated recovery conservatively. 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 after paying the expenses on the case.
Thus it appears when hastily comparing “No Risk Pre Settlement Funding” to a “Traditional Bank Loan” this is not an “apples to apples” comparison but rather an "apples to oranges" comparison. Which one is the apple and the orange depends then on your position regarding Pre Settlement Funding. If a plaintiff or their attorney is interest rate sensitive then a credit card advance or a 2nd mortgage will more to the liking because of the lower interest, however because most injured litigants are also suffering with “credit issues” caused by the chain of events along with significantly less or no income at all, making monthly payments are not a viable option, plus there is no loophole if the pending litigation is not won. However the opposite is true with “No Risk” Pre Settlement Funding as Pre Settlement Funding offers both money today without risk and money today with interest rates averaging 3-5% per month. For many plaintiffs not being strapped with more monthly debts plus being relieved of a repayment obligation if the pending litigation is lost is most appealing then the “no credit needed- no monthly payments ever- no risk Pre Settlement Funding” is most definitely the preferred option.
Everyday thousands of litigants are joining the proponent side of the Pre Settlement Funding issue and are part of the swelling list of supporters who not only have benefited by Pre Settlement Funding but clearly feel others should have the right to benefit from Pre Settlement Funding 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 Pre Settlement Funding and the investor never interferes with nor jeopardizes the cases integrity at any time.
FACT II- Clients are provided with Pre Settlement Funding contract which discloses all repayment costs in full. This information is provided prior to the Pre Settlement Funding 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 Pre Settlement Funding’s terms before a client signs the contract, all disclosures are made prior to the Pre Settlement Funding’s execution.
FACT IV- Attorneys hold no financial responsibility for repayment on cases unsuccessfully litigated which cases have received Pre Settlement Funding against.
FACT V- No terms supersede the original executed Pre Settlement Funding contract without consent of all parties involved. There are no later surprises on No Risk Pre Settlement Funding.
FACT VI- Attorneys hold no financial responsibility for repayment on a client’s Pre Settlement Funding, even if the attorney acts in negligence in handling a case.
As professional financial consultants 1st Choice Funding specializes in Pre Settlement Funding 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 Pre Settlement Funding 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 Pre Settlement Funding, 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 that while Pre Settlement Funding 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 Pre Settlement Funding from 1st Choice Funding is your 1st step to a smarter financial future. 1st Choice Funding provides your Financial Bridge.
