The United States National Health Insurance Act (Expanded and Improved Medicare for All Act) (H.R. 676), is a bill submitted to the United States House of Representatives by Representative John Conyers Jr., D-MI, which as of March 19, 2009 has 69 recorded cosponsors. It was first introduced, with 25 cosponsors, in 2003,[1] and reintroduced each session since then. The act calls for the creation of a universal single-payer health care system in the United States, in which the government would provide every resident health care free of charge. In order to eliminate disparate treatment between richer and poorer Americans, the Act would also prohibit private insurers from covering any treatment or procedure already covered by the Act. The bill is currently in the House Energy and Commerce Committee, as well as the Committees on Ways and Means, and Natural Resources. John Dingell (D-MI), former chair of the Energy and Commerce Committee, has each session introduced a bill with a similar title ("National Health Insurance Act") H.R. 15, which was first introduced in 1933 by his father, John Dingell, but which does not provide for universal health care.
H.R. 676 has drawn significant attention beginning in July 2007 because of the release of the Michael Moore documentary Sicko which focuses on the status of health care in the United States, which is the only developed country which does not have universal health care.[2][3] The DVD edition of the film also included a segment (Sicko Goes To Washington) promoting the billWednesday, March 25, 2009
structured settlement company
Structured settlement companies can help individuals by helping the processing of settlement claims in an efficient manner. Structured settlement companies focus on reducing litigation costs thereby saving the defendant valuable money that can be used to pay the beneficiary. An individual who gets a structured settlement payment also stands to benefit by taking the service of a structured settlement company if he wishes to convert his structured settlement payments into ready cash. Structured settlement companies have contacts with investors who pay a person for his cash flow.
A person who wishes to transfer his payments to another person can do so with the help of a structured settlement company. The terms of a settlement are governed by state and federal laws and need to be understood properly before a settlement can be executed. Creating a Structured Settlement Agreement and obtaining a court approval for a structured settlement transaction are some of the activities that the settlement companies manage. Their good working relationships with insurance companies and their knowledge of laws that govern settlements mean that the beneficiary of a structured settlement gets through the procedures smoothly.
With the presence of a structured settlement company as a third party between a defendant and a beneficiary, the beneficiary can avail the settlement sum in a variety of ways depending upon his present financial conditions and lifestyle. Settlements can also be offered through an equity annuity which enables the beneficiary to invest the money obtained and earn either through a guaranteed minimum or according to the stock market. Thus, settlement companies that offer an equity annuity give people a chance to reap payoffs on the principal and at the same time watch it grow.
An individual involved in litigation needs help in filing a claim, managing documents, and assessing present and future damages. Along with a competent lawyer, he is helped in this by a structured settlement company that can gauge an individual's future requirements and advise upon a settlement amount as well as the periodicity of payment. Their services are all the more useful in cases that involve catastrophic accidents that can lead to a loss of earning capability and in some cases reduced life expectancy. The companies use their expertise to draft a payment proposal that raises the issue of the plaintiff's requirements and the defendant's responsibility to the plaintiff's needs.
Structured Settlements in the United States
The United States has enacted structured settlement laws and regulations at both the federal and state levels. Federal structured settlement laws include sections of the (federal) Internal Revenue Code[1]. State structured settlement laws include structured settlement protection statutes and periodic payment of judgment statutes. Medicaid and Medicare laws and regulations affect structured settlements. To preserve a claimant’s Medicare and Medicaid benefits, structured settlement payments may be incorporated into “Medicare Set Aside Arrangements” “Special Needs Trusts."
Structured settlements have been endorsed by many of the nation's largest disability rights organizations, including the American Association of People with Disabilities [2] and the National Organization on Disability [3].
[edit] Definitions
The United States definition of “structured settlement” for federal income taxation purposes, found in Internal Revenue Code Section 5891(c)(1) (26 U.S.C. § 5891(c)(1)), is an "arrangement" that meets the following requirements:
- A structured settlement must be established by:
- A suit or agreement for periodic payment of damages excludable from gross income under Internal Revenue Code Section 104(a)(2) (26 U.S.C. § 104(a)(2)); or
- An agreement for the periodic payment of compensation under any workers’ compensation law excludable under Internal Revenue Code Section 104(a)(1) (26 U.S.C. § 104(a)(1)); and
- The periodic payments must be of the character described in subparagraphs (A) and (B) of Internal Revenue Code Section 130(c)(2) (26 U.S.C. § 130(c)(2))) and must be payable by a person who:
[edit] Legal Structure
The typical structured settlement arises and is structured as follows: An injured party (the claimant) settles a tort suit with the defendant (or its insurance carrier) pursuant to a settlement agreement that provides that, in exchange for the claimant's securing the dismissal of the lawsuit, the defendant (or, more commonly, its insurer) agrees to make a series of periodic payments over time. The insurer, a property/casualty insurance company, thus finds itself with a long-term payment obligation to the claimant. To fund this obligation, the property/casualty insurer generally takes one of two typical approaches: It either purchases an annuity from a life insurance company (an arrangement called a "buy and hold" case) or it assigns (or, more properly, delegates) its periodic payment obligation to a third party which in turn purchases an annuity (which arrangement is called an "assigned case").
In an unassigned case, the property/casualty insurer retains the periodic payment obligation and funds it by purchasing an annuity from a life insurance company, thereby offsetting its obligation with a matching asset. The payment stream purchased under the annuity matches exactly, in timing and amounts, the periodic payments agreed to in the settlement agreement. The property/casualty company owns the annuity and names the claimant as the payee under the annuity, thereby directing the annuity issuer to send payments directly to the claimant. If any of the periodic payments are life-contingent (i.e., the obligation to make a payment is contingent on someone continuing to be alive), then the claimant (or whoever is determined to be the measuring life) is named as the annuitant or measuring life under the annuity.
In an assigned case, the property/casualty company does not wish to retain the long-term periodic payment obligation on its books. Accordingly, the property/casualty insurer transfers the obligation, through a legal device called a qualified assignment, to a third party. The third party, called an assignment company, will require the property/casualty company to pay it an amount sufficient to enable it to buy an annuity that will fund its newly accepted periodic payment obligation. If the claimant consents to the transfer of the periodic payment obligation (either in the settlement agreement or, failing that, in a special form of qualified assignment known as a qualified assignment and release), the defendant and/or its property/casualty company has no further liability to make the periodic payments. This method of substituting the obligor is desirable for property/casualty companies that do not want to retain the periodic payment obligation on their books. Typically, an assignment company is an affiliate of the life insurance company from which the annuity is purchased.
An assignment is said to be "qualified" if it satisfies the criteria set forth in Internal Revenue Code Section 130 [1]. Qualification of the assignment is important to assignment companies because without it the amount they receive to induce them to accept periodic payment obligations would be considered income for federal income tax purposes. If an assignment qualifies under Section 130, however, the amount received is excluded from the income of the assignment company. This provision of the tax code was enacted to encourage assigned cases; without it, assignment companies would owe federal income taxes but would typically have no source from which to make the paymentsSunday, February 22, 2009
2323.58 Transfer of structural settlement payment rights definitions.
(A) “Annuity issuer” means an insurer that has issued an insurance contract that is used to fund periodic payments under a structured settlement.
(B) “Applicable law” means any of the following, as applicable in interpreting the terms of a structured settlement agreement:
(1) The laws of the United States;
(2) The laws of this state, including principles of equity that are applied in the courts of this state;
(3) The laws of any other jurisdiction if any of the following applies:
(a) The laws of that other jurisdiction govern the structured settlement.
(b) A court or a responsible administrative authority approved the structured settlement agreement under the laws of that other jurisdiction.
(c) The transfer of payments under the structured settlement is subject to the laws of that other jurisdiction.
(C) “Dependent” means a spouse of a payee, a minor child of a payee, or any other member of the family of a payee or other person whom, by law or by court order or decree, the payee is legally obligated to support.
(D) “Discounted present value” means the fair present value of the future payments under a structured settlement that is determined by discounting those payments to the present, using the most recently published applicable federal rate for determining the present value of an annuity as issued by the United States internal revenue service.
(E) “Independent professional advice” means the advice of an attorney, a certified public accountant, an actuary, or any other licensed professional adviser if all of the following apply:
(1) The payee has engaged the services of the licensed professional adviser to render advice concerning the legal and other implications of a transfer of structured settlement payment rights.
(2) The licensed professional adviser has signed a statement to the effect that the licensed professional adviser rendered advice to the payee concerning the legal and other implications of a transfer of structured settlement payment rights.
(3) The licensed professional adviser is not affiliated in any manner with, referred by, or compensated in any manner by the transferee of the structured settlement payment rights.
(4) The compensation of the licensed professional adviser is not affected by whether or not a transfer of structured settlement payment rights occurs.
(F) “Interested party” includes the payee with respect to a structured settlement, the annuity issuer, the structured settlement agreement obligor, and any other party that has continuing rights or obligations under the structured settlement agreement.
(G) “Payee” means an individual who is receiving periodic payments under a structured settlement agreement that are excludable from the individual’s gross income under federal income taxation laws applicable to that individual and who proposes to make a transfer of the rights to receive those periodic payments.
(H) “Periodic payments” includes both continuing monthly or other periodic payments and scheduled future lump-sum payments under a structured settlement.
(I) “Qualified assignment agreement” means an agreement that provides for a qualified assignment, as defined in section 130 of the “Internal Revenue Code of 1986,” 100 Stat. 2085, 26 U.S.C.A. 130(c), as amended, through an assignment of the liability under a structured settlement agreement to make periodic payments as damages, on account of personal injury or sickness.
(J) “Responsible administrative authority” means any government authority of another state vested by the law of that state with the original exclusive jurisdiction over the settled claim resolved by a structured settlement.
(K) “Settled claim” means the original tort claim resolved by a structured settlement.
(L) “Structured settlement” means an arrangement for periodic payments of damages for injury to a person that is established by a settlement or a court judgment in resolution of a tort claim.
(M) “Structured settlement agreement” means an agreement, judgment, stipulation, or release that embodies the terms of a structured settlement, including the rights of a payee to receive periodic payments.
(N) “Structured settlement obligor” means the party that has the obligation to make continuing periodic payments to the payee under a structured settlement agreement or a qualified assignment agreement.
(O) “Structured settlement payment rights” means the rights under a structured settlement agreement to receive periodic payments from a structured settlement obligor or an annuity issuer if either of the following applies:
(1) The payee, the structured settlement obligor, or the annuity issuer with respect to the structured settlement agreement is a resident of this state.
(2) The structured settlement agreement was approved by a court in this state.
(P) “Terms of a structured settlement” includes the terms of a structured settlement agreement, an insurance contract, a qualified assignment agreement, and any order or approval by a court, a responsible administrative authority, or other government authority authorizing or approving the structured settlement.
(Q) “Transfer” means a sale, assignment, pledge, hypothecation, or any other form of alienation or encumbrance of structured settlement payment rights made by a payee for consideration.
(R) “Transfer agreement” means an agreement that provides for the transfer of structured settlement payment rights from a payee to a transferee.
(S) “Transferee” means a party acquiring or proposing to acquire structured settlement payment rights through a transfer of those rights.
Select Estate Solutions, Inc.
Maricopa County
301 West Jefferson Street
Phoenix, Arizona 85003-2143
Phone: (602) 506-3271
FAX: (602) 506-5997
http://www.superiorcourt.maricopa.gov/docket/index.asp
California
Alameda
1225 Fallon Street, Room 109
Oakland, CA
(510) 272-6799
http://www.alameda.courts.ca.gov/courts/divs/probate/index.shtml
Butte
655 Oleander Avenue,
Chico, CA 95926
(530) 532-7017
http://www.buttecourt.ca.gov
Contra Costa
(925) 646-2978
http://cc-courts.org/civilcms.htm
El Dorado
South Lake Tahoe
Civil/ Criminal/ Traffic/ Small Claims/Probate/ Family Law
1354 Johnson Blvd. #2
South Lake Tahoe, CA 96150
Civil and Family Law - (530) 573-3075
http://eldocourtweb.eldoradocourt.org/
http://www.co.el-dorado.ca.us/countyclerk/
Monterey
1200 Aguajito Rd.
Monterey, CA 93940
(831) 647-5800
http://www.monterey.courts.ca.gov/
Nevada
201 Church Street
Nevada City, CA 95959
(530) 265-1294
http://court.co.nevada.ca.us/services/civil_probate/probate.htm
Orange County
Orange County Superior Court
Lamoreaux Justice Center
341 The City Drive
Orange, CA 92868
http://www.occourts.org/probate/
Placer
(530) 886-5600
http://www.placer.ca.gov/county-government/county-government.htm
Sacramento
3341 Power Inn Road
Sacramento, CA 95826
(916) 875-3400
http://www.saccourt.com/index/online_svcs.asp
San Diego
(Two Courthouses)
Madge Bradley Building
1409 Fourth Ave
Third Floor
San Diego, CA 92101
(619) 687-2000
North County Regional Center
325 South Melrose
First Floor behind the Jury Lounge
Suite 1200
Vista, CA 92081
(760) 806-6150
http://www.sdcourt.ca.gov/portal/page?_pageid=53,128302&_dad=portal&_schema=PORTAL
San Joaquin
222 E. Weber Avenue
Stockton, California, 95202
(209) 468-2843
http://www.stocktoncourt.org/courts/courts.htm
San Francisco
400 McAllister Street - Room 204
San Francisco, CA 94102-4514
(415) 551-4000
http://www.sfgov.org/site/courts_page.asp?id=3671
Solano
707-421-6471
http://www.solanocourts.com
Sutter
Courthouse East Second Floor
463 Second St Rm 211 Yuba City CA 95991
(530) 822-7352 Press 8 to Reach a Clerk
http://www.suttercourts.com/
Yolo
725 Court Street
Room 103
(530) 406-6704
http://www.yolocourts.com/faq_probate.html
Yuba
215 Fifth Street
Suite 200
Marysville, CA 95901
(530) 749-7600
http://www.yubacourts.org/index.htm
Connecticut
All Jurisdictions
http://www.jud.state.ct.us/probate/
Hawaii
Hawaii County
25 Aupuni St., Room 209
Hilo, HI 96720-4252
Telephone: (808) 961-8255
Honolulu County
Honolulu County Clerk
City Hall
Honolulu, HI 96813-3014
Telephone: (808) 586-4533
Kauai County
Kauai County Clerk
4396 Rice Street
Lihue, HI 96766-1337
Telephone: (808) 246-3330
Maui County
Maui County Office of the County Clerk
200 S. High St.
Wailuku, HI 96793-2155
Telephone: (808) 243-7825
Massachusetts
Massachusetts Online Probate Resources
http://www.mass.gov/courts/courtsandjudges/courts/probateandfamilycourt/index.html
Massachusetts Guide to Estate Taxes
http://www.massdor.com/publ/pdfs/estate03.pdf
Directory to Court Locations
http://www.mass-doc.com/probate_court_dir.htm
Michigan
Michigan Probate Courts
http://www.courts.michigan.gov/scao/services/dirs/tlinks.htm#probate
Michigan Probate Registers
http://www.courts.michigan.gov/scao/selfhelp/general/probateregisters.pdf
Barry County
220 W. Court Hastings..
Probate Court (269) 948-4842
Clare County
225 West Main Street, P.O. Box 438
Harrison, MI 48625
989-539-7109
http://www.clareco.net
Clinton County
Suite 4300
St. Johns, MI 48879
PH:(989)224-5190
FAX:(989)224-5102
probatect@clinton-county.org
http://www.clinton-county.org/prob-juv/probate_court.htm
Eaton County
1045 Independence Blvd.
Charlotte, MI 48813
(517) 543-7500
http://www.eatoncountycourts.org/courts.html
Ingrham County
313 W. Kalamazoo, Lansing, MI 48933
Phone: (517) 483-6300 Fax: (517) 483-6150
http://ingham.org/PR/Default.htm
Ionia County
100 Main Street
Ionic, MI 48846
616-527-5326
http://www.ioniacounty.org/Probate/Probate_home.asp
Ottawa County
12120 Fillmore Street
West Olive, MI 49460
Main Phone Number: (616) 786-4110 FAX (616) 738-4624
http://www.co.ottawa.mi.us/Courts/Probate/probate.htm
Wexford County
503 S. Garfield Street, Cadillac, MI 49601
Phone: (231) 779-9510 - Fax: (231) 779-9485
http://www.wexfordcounty.org/courts_probate.phpp
New Hampshire
New Hampshire Online Probate Resources
http://www.courts.state.nh.us/probate/index.htm
New Jersey
Hunterdon
Hunterdon County Justice Center
65 Park Avenue
Flemington, NJ 08822
(908) 788-1156
http://www.co.hunterdon.nj.us/depts/surrog/probate.htm
Mercer
Mercer County Civil Court House
175 South Broad Street
Fourth Floor Room # 420
Trenton, New Jersey 08608
(609) 989-6331
http://www.mercercounty.org/surrogate/index.htm
Ocean
118 Washington Street, P. O. Box 2191
Toms River, NJ 08754-2191
(732) 929-2011
http://www.oceancountygov.com/surrogat/guide.htm
New York
New York City Surrogate Court (Probate Office)
31 Chambers Street
New York City, NY
212-374-8240
http://www.courts.state.ny.us/courts/nyc/surrogates/index.shtml
New York City Housing Resources
http://www.nhsnyc.org
Ohio
(Coming Soon)
Oregon
Klamath County
305 Main Street
Klamath Falls, OR 97601
800-377-6094
http://www.ojd.state.or.us/ojin/index.htm
Pennsylvania
Adams
111-117 Baltimore St.
Gettysburg, PA 17325
(717) 334-6781
Allegheny
414 Grant St.
Pittsburgh, PA 15219
(412) 350-4184
http://www.county.allegheny.pa.us/regwills/Index.asp
Armstrong
500 Market St.
Kittanning, PA 16201
(412) 548-3280
Beaver
Third St.
Beaver, PA 15009
(412) 728-5700
http://www.co.beaver.pa.us/Register/index.htm
Bedford
200 S. Juliana
Bedford, PA 15522
(814) 623-4836
Berks
633 Court St., 2nd Fl.
Reading, PA 19601
(610) 478-6600
http://www.co.berks.pa.us/berks/cwp/view.asp?a=1138&q=444510view.asp?a=1138&q=444510
Blair
Courthouse
423 Allegheny St.
Holidaysburg, PA 16648
(814) 693-3095
Bradford
310 Main St.
Towanda, PA 18848
(717) 265-1702
Bucks
Main Sts.
Doylestown, PA 18901
(215) 348-6265
http://www.buckscounty.org/departments/registerofwills/index.html
Butler
P.O. Box 1208
Butler, PA 16003-1208
(412) 248-5348
Cambria
P.O. Box 298
Ebensburg, PA 15931
(814) 472-5440
http://www.co.cambria.pa.us/cambria/cwp/view.asp?a=3&q=499971
Cameron
Courthouse
Emporium, PA 15834
(814) 486-3349
Carbon
P.O. Box 286
Jim Thorpe, PA 18229
(717) 325-2261
http://www.carboncourts.com/regwill.htm
Centre
Courthouse
Bellefonte, PA 16823
(814) 355-6724
http://www.county.centreconnect.org/224.htm
Chester
2 N. High St., Ste. 109
West Chester, PA 19380-3073
(610) 344-6335
http://dsf.chesco.org/wills/cwp/view.asp?A=3&Q=608597#estates
Clarion
Main St.
Clarion, PA 16214
(814) 226-4000 Ext. 2500
Clearfield
P.O. Box 361
Clearfield, PA 16830
(814) 765-2641 Ext. 23
http://www.clearfieldco.org/Departments/Register___Recorder/register___recorder.html
Clinton
P.O. Box 943
Lock Haven, PA 17745
(717) 893-4020
http://www.clintoncountypa.com/register_&_recorder.htm
Columbia
P.O. Box 380
Bloomsburg, PA 17815
(717) 389-5632
http://www.columbiapa.org/county/reg_rec/index.html
Crawford
903 Diamond Pk.
Meadville, PA 16335
(814) 333-7338
Cumberland
1 Courthouse Sq.
Carlisle, PA 17013-3387
(717) 240-6345
http://www.ccpa.net/row/default.html
Dauphin
Courthouse, Room 103
Front & Mkt. Sts.
Harrisburg, PA 17101
(717) 255-2657
http://www.dauphincounty.org/dauphin/cwp/view.asp?a=1129&q=444384&dauphinNav=|27326|
Delaware
Gov. Center Bldg.
201 W. Front St.
Media, PA 19063
(610) 891-4400
http://www.co.delaware.pa.us/registerofwills/index.html
Elk
Main Street
P.O. Box 314
Ridgway, PA 15853
(610) 891-4400
http://www.co.delaware.pa.us/registerofwills/
Fayette
61 E. Main St.
Uniontown, PA 15401
(412) 430-1206
Forest
P.O. Box 423
Tionesta, PA 16353
(814) 755-3526
Franklin
157 Lincoln Way E.
Chambersburg, PA 17201
(717) 261-3872
http://www.pacounties.org/franklin/cwp/view.asp?a=1447&q=464754
Fulton
201 N. 2nd St.
McConnellsburg, PA 17233
(717) 485-4212
Greene
Courthouse
Waynesburg, PA 15370
(412) 852-5283
http://www.co.greene.pa.us/secured/gc/depts/lo/rr/index.htm
Huntingdon
223 Penn St.
Huntingdon, PA 16652
(814) 643-2740
http://huntingdon.sapdc.org/hunt_co/cwp/view.asp?a=1212&Q=504258&hunt_coNav=|31675|
Indiana
825 Philadelphia Street
Indiana, PA 15701
(412) 465-3860
Jefferson
200 Main St.
Brookville, PA 15825
(814) 849-1610
Juniata
P.O. Box 68
Mifflintown, PA 17059
(717) 436-7709
Lackawanna
200 N. Washington Ave.
Scranton, PA 18503
(717) 963-6702
Lancaster
50 N. Duke St.
Lancaster, PA 17608-3480
(717) 299-8246
http://www.co.lancaster.pa.us/lanco/cwp/view.asp?a=562&Q=262545&lancoNav=|5720|6220|5773|
Lawrence
430 Court St.
New Castle, PA 16101
(412) 656-2159
Lebanon
Room 105
400 S. 8th St.
Lebanon, PA 17042
(717) 228-4415
Lehigh
P.O. Box 1548
Allentown, PA 18105
(610) 820-3170
http://www.lehighcounty.org/elect/elect.cfm?doc=elect_wills.htm
Luzerne
Courthouse
Wilkes-Barre, PA 18711
(717) 825-1668
Lycoming
48 W. Third St.
Williamsport, PA 17701
(717) 327-2263
Mckean
Courthouse
Smethport, PA 16749
(814) 887-3263
Mercer
112 Courthouse
Mercer, PA 16137
(412) 662-3800
Mifflin
20 N. Wayne St.
Lewistown, PA 17044
(717) 242-1449
Monroe
Courthouse
Stroudsburg, PA 18360
(717) 420-3540
Montgomery
P.O. Box 311
Norristown, PA 19404
(610) 278-3410
http://www.montcopa.org/registerofwillsorphanscourt/row.htm
Montour
29 Mill St.
Danville, PA 17821
(717)271-3012
http://www.montourco.org/montour/cwp/view.asp?a=770&Q=417483&montourNav=|8473|
Northampton
669 Washington St.
Easton, PA 18042
(610) 559-3094
Northumberland
Sunbury, PA 17801
(717) 988-4140
Perry
New Bloomfield, PA 17068
(717) 582-2131
Philadelphia
Room 180, City Hall
Philadelphia, PA 19107
(215) 686-2918
http://www.phila.gov/wills/
Pike
506 Broad St.
Milford, PA 18337
(717) 296-3508
Potter
1 E. 2nd St.
Coudersport, PA 16915
(814) 274-8370
Schuylkill
401 N. 2nd St.
Pottsville, PA 17901
(717) 628-1381
http://www.co.schuylkill.pa.us/Offices/RegisterOfWills/index.asp
Snyder
Middleburg, PA 17842
(717) 837-4225
Somerset
Ste. 170
111 E. Union St.
Somerset, PA 15501
(814) 445-2096
Sullivan
Laporte, PA 18626
(717) 946-7351
Susquehanna
P.O. Box 218
Montrose, PA 18801
(717) 278-4600
http://www.susqco.com/Reg_and_rec.htm
Tioga
116 Main St.
Wellsboro, PA 16901
(717) 724-9260
Union
Lewisburg, PA 17837
(717) 524-8761
http://dsf.seda-cog.org/union/cwp/view.asp?a=3&Q=401754&unionNav=|6647|
Venango
1168 Liberty St.
Franklin, PA 16323
(814) 432-9534
Warren
Warren, PA 16365
(814) 723-7550 Ext. 232
Washington
Ste. 1002
1 S. Main St.
Washington, PA 15301
(412) 228-6775
http://www.co.washington.pa.us/maindepartment.php?menuDept=30
Wayne
Honesdale, PA 18431
(717) 253-5970 Ext. 210
http://www.co.wayne.pa.us/register.asp
Westmoreland
301 Courthouse Sq.
Greensburg, PA 15601
(412) 830-3189
http://www.co.westmoreland.pa.us/westmoreland/cwp/view.asp?a=1453&Q=576845
Wyoming
1 Courthouse Sq.
Tunkhannock, PA 18657
(717) 836-3200
York
York, PA 17401
(717) 771-9601
http://www.york-county.org/departments/courts/wills.htm
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Probate is a hassle. It can take months, even years! Are your bills piling up while you wait? Need an inheritance loan now? You don't have to wait for funding. Learn how you can get an inheritance advance now.
Structured Settlements - Get Cash Now
Are you receiving payments over time from a structured settlement? You can receive cash now to pay your bills, improve your home, attend college or even take a much needed vacation. Find out how you can get cash for structured settlements.
Stop Home Foreclosure
Falling behind in your mortage payments? Don't loose your home! You can avoid foreclosure and all of the associated problems. Learn about your options to stop foreclosure. And find out how to protect yourself from falling victim to foreclosure fraud.
Credit Repair & Poor Credit Loans
Problems with your credit score rating affect more than just your ability to get a low mortgage or home equity loan rate, so credit repair is important. (Free 3-in-1 Credit Report with trial! Click here! ) A poor credit score can impact your homeowners insurance or car insurance rates. And it can even prevent you from getting a good job. There are many things you can do to improve your credit score. Learn about credit repair, how to avoid the many credit repair scams, and how you can get a poor credit loan.
Wills, Probate & Estate Liquidation
Dealing with probate and the legal system can be difficult and confusing, expecially when you are grieving over the loss of a loved one. Learn more about probate and settling an estate.
Monday, February 16, 2009
Settlement Annuity Payment
In order to sell an annuity settlement, you must often receive judicial approval. If you are the recipient of an income stream you must determine whether the asset for the cash flow is an investment annuity or a structured settlement annuity.
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