Is your current financial situation described above? If so take heart because you're about to discover the most incredible solution for solving a financial crisis and the solution is designed just for plaintiffs in a lawsuit needing personal loans. The answer comes from an innovative program called "No Risk" Pre settlement Loans and by means of this program, 1st Choice Funding positions plaintiff's with cash without risk to you as Pre settlement Loans are based entirely on future recovery of a lawsuit and nothing more. Only the investor who provides the money takes a risk on the success of a lawsuit, in fact not you, not even your attorney, not anyone but the investor looses if your lawsuit is not successful for any reason. With “No Risk” Pre settlement Loans you have nothing to loose and everything to gain because "No Risk" Pre settlement Loans deliver money in days vs. waiting months or even years for an insurance settlement. That's right today, while waiting for a lawsuit insurance settlement you can obtain "Risk Free" Pre settlement Loans 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 personal loan options and opportunities as an unheard of way of resolving pressing and often urgent financial situations is now available.
Simply put Pre settlement Loans are not loans at all but are instead money offered by private investors who, after evaluating your case see potential success and so they offer you needed cash ahead of a potential future lawsuit settlement. "No Risk" Pre settlement Loans are 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. Then add to the equation the fact is, the insurance company is in no hurry to settle your case. Why though 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 Loans.
With “No Risk" Pre settlement Loans you can for the first time in the lawsuit process actually begin to "level the playing field" because "No Risk" lawsuit loans provide 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 lawsuit loans directly help 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 lawsuit loans 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 lawsuit loans provide early settlements are a thing of the past!
Depending on the injuries and damages sustained (No "soft tissue injuries") lawsuit loans begins at $5,000.00 and is unlimited there after. However, using a basic mathematical principle lawsuit loans are determined on a 10% conservative settlement value. So in order to qualify for lawsuit loans 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 lawsuit loans your attorney must be in agreement and cooperative. We recommend before beginning the lawsuit loans process you provide your attorney with a clear picture of your financial situation. In order to proceed with lawsuit loans 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 lawsuit loans 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 a Personal Loans.
If a private investor finds after analyzing your case your lawsuit qualifies for Personal Loans, 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" personals lawsuit loans simply are amazing and there's no program anywhere comparable to the benefits "No Risk" Presettlement Loans offers to injured plaintiffs! Only "No Risk" Pre settlement Loans put 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 lawsuit loans provide 100% "Risk Free" money to injured plaintiffs. If your case qualifies and you’re a recipient of Pre settlement Loans and the unthinkable happens, you never receive settlement on your case, Pre settlement Loans money 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 Loans" are you a winner no matter your cases outcome because ONLY with money advanced from lawsuit loans 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 Loans Provides Cash Today Without Risk, No Tricks or Gimmicks and we're not kidding because 1st Choice Funding understands what your 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 real solution. Personal Loans as 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 each attorney must adhere to the following standards set for the entire profession by entities such as the American Bar Association, the State Legislature of each state, the Courts of each state as well as by the Attorney Generals Office and US Attorney Generals Office. For more information of the statutes set by your state please go down the page as each states opinion posted on their respective Bar's website takes you to the ruling. But to provide a synopsis of all such ruling please see the list of facts as itemized:
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 lawsuit loans to a plaintiff's for living expenses, as lawsuit loans investors 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. A No Risk Personal Loans 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 lawsuit loans 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 No Risk Personal Loans are in the financial position to endure insurance companies delayed settlement tactics. The facts show that No Risk Personal 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:
Lawsuit financing interest rates vary greatly depending on the investor. Because not all No Risk Personal Loans 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 lawsuit loans. Only a professional financial consultant is trained to most effectively represent a client in securing lawsuit loans and only a professional financial consultant can assist a client in obtaining the least expensive return on Personal Loans. 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 No Risk Personal Loans 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 "No Risk" Pre settlement Loans
No Monthly Payments on "No Risk" Pre settlement Loans No
Employment Needed for "No Risk" Pre settlement Loans No Collateral
Necessary For "No Risk" Pre settlement Loans Affordable Rates**
1st Choice Offers FREE LAWSUIT CASE EVALUATIONS There's No
Obligation To Repay "No Risk" Pre settlement Loans 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 lawsuit loans 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 lawsuit loans at the lowest rate of return available.
Our "No Risk" Pre settlement Loans program is outlined as follows:
All "No Risk" Pre settlement Loans 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 lawsuit loan is a $1,000.00 fee added to the "No Risk" Pre Settlement Loans 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 "No Risk" Pre settlement Loans may differ from case to case in interest rates. Each of our programs are as follows and prior to receiving “No Risk” Pre settlement Loans are you advised of the costs. 1st Choice Funding provides the lowest lawsuit loan rates available anywhere as we offer;
"No Risk" Pre settlement Loans Work Comp Interest of 3.5% compounded monthly "No Risk" Pre settlement Loans compounded monthly @ 2.99% "No Risk" Personal Loan Simple Interest of 5% per mo. "No Risk" Pre Settlement Loans 8% Interest compounded monthly w/ a 6 mo Minimum "No Risk" Pre settlement Loans Simple Interest of 10% per Mo. "No Risk" Pre settlement Loans 0% Interest and The Plaintiff Sells a Portion of Their Lawsuit. "No Risk" Pre settlement Loans 39% Annual Interest "No Risk" Pre settlement Loans 4.99% Compounded Monthly "No Risk" Pre settlement Loans of 5.99% Monthly Compounding Interest
All set up and interest fees are only due if and when settlement occurs, that's the beauty of "No Risk" Pre settlement Loans. 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 lawsuit loans 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 "No Risk" lawsuit loans are 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 Loans” which they are most frequently referred to as. For opponents their position they say on the lawsuit Pre settlement Loans debate is clear; lawsuit Pre settlement Loans are “usurious” and “lawsuit loans exploits litigants at a time when they are most vulnerable”. Opponents use terms like “usurious” or “champery” to describe what they feel Pre settlement Loans are. 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 are lawsuit Pre settlement Loans illegal? Let’s find out.
Now on the opposite side of this issue supporters say their position is clear: “opposing lawsuit Pre settlement Loans is objectionable and is the result of an uninformed mind as it appears when opponents blanket a long needed and valuable service like lawsuit loans 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 lawsuit loans 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 Loans. So then the questions remain; do "No Risk" Pre settlement Loans exploit hardship? If so “Why are thousands of attorneys every year supporting their client’s efforts in obtaining Pre settlement Loans? How do the facts affect your decision and opportunity to obtain Pre settlement Loans? Consider the following regarding this heavily debated issue and then decide for yourself whose side of the "No Risk" Pre settlement Loans issue you stand on.
At the center of the controversy of "No Risk" Pre settlement Loans isn’t the fact that plaintiffs receive money based on future settlement, but rather on the fact that lawsuit loans 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 Loans? Well you decide.
The facts are for private investors who offer “No Risk” Pre settlement Loans 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 Loans? 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 “No Risk” Pre settlement Loans 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 “No Risk” Pre settlement Loans 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 “No Risk” Pre settlement Loans entirely and while a well meaning attorney may feel convinced their client’s financial interests are being exploited by Pre Settlement Loans, 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 Loans. Thus in the end what really did the attorney gain by opposing the clients efforts to acquire Pre settlement Loans?
Thus while sorting through all the issues still the question remains: Are clients being exploited by Pre settlement Loans? To answer this question let’s examine 1st Choice Funding's "No Risk" Pre settlement Loans and let’s see if the opponents have merit in their argument.
Because Pre settlement Loans are called “loans” the question remains “are personal lawsuit loans really a loan”? To answer the question fairly, let’s compare “No Risk” Pre settlement Loans 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 Loans 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 Loans to “Traditional Bank Loans” this is not an “apples to apples” comparison but rather an "apples to oranges" comparison. Which is the apple or the orange depends then on your position regarding Pre settlement Loans. 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 Loans as Pre Settlement Loans offer 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 Loans" is most definitely the preferred option.
Everyday thousands of litigants are joining the proponent side of “No Risk" Pre settlement Loans and are part of the swelling list of supporters who not only have benefited by “No Risk” Pre settlement Loans but clearly feel others should have the right to benefit from “No Risk” Pre settlement Loans 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 “No Risk” Pre settlement Loans and the investor never interferes with nor jeopardizes the cases integrity at any time.
FACT II- Clients are provided with "No Risk" Pre settlement Loans contracts which discloses all repayment costs in full. This information is provided prior to the lawsuit loans 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 “No Risk” Pre Settlement Loans terms before a client signs the contract, all disclosures are made prior to Pre Settlement Loans execution.
FACT IV- Attorneys hold no financial responsibility for repayment on cases unsuccessfully litigated which cases have received "No Risk" Pre settlement Loans against.
FACT V- No terms supersede the original executed "No Risk" Pre settlement Loans without consent of all parties involved. There are no later surprises on "No Risk" Personal Loans.
FACT VI- Attorneys hold no financial responsibility for repayment on client’s Pre Settlement Loans, even if the attorney acts in negligence in handling a case.
As professional financial consultants 1st Choice Funding specializes in lawsuit loans 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 personal lawsuit loans 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 Loans 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 lawsuit loans 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" Pre Settlement Loans and as such 1st Choice Funding is your 1st step to a smarter financial future as 1st Choice Funding provides your Financial Bridge.
