Peachtree Financial Group, now known as RSL Funding following a 2020 rebranding, is a financial services company specializing in purchasing structured settlement payments, annuities, and lottery winnings. They provide individuals with a lump sum of cash in exchange for future payments, allowing them immediate access to funds for various needs.
Founded in 1996 and headquartered in Delray Beach, Florida, Peachtree Financial Group initially gained prominence through its extensive television advertising, featuring catchy jingles and the promise of “cash now.” These campaigns targeted individuals receiving regular payments from legal settlements, personal injury claims, or lottery winnings who desired immediate financial flexibility.
The core business model revolves around offering a discounted price for the stream of future payments. Peachtree, or now RSL Funding, essentially buys the right to receive those payments. The discount reflects factors such as the time value of money, risk assessment, and the company’s own profit margin. The process typically involves a legal transfer of ownership of the payment rights, which requires court approval to ensure the seller understands the terms and is acting in their best interest.
The appeal of this service lies in its ability to provide immediate liquidity. Individuals may choose to sell their structured settlement payments for various reasons, including: paying off debt, covering unexpected medical expenses, investing in a business opportunity, purchasing a home, or simply gaining greater financial freedom. While receiving payments over time offers a degree of financial security, circumstances can change, making a lump sum more beneficial.
However, it’s crucial to understand the implications of selling future payments. The lump sum received will invariably be less than the total value of the payments if received over the original term. This is due to the aforementioned discount rate applied by companies like RSL Funding. Therefore, individuals considering selling their payments should carefully weigh the immediate benefits against the long-term financial consequences.
RSL Funding, like other companies in this industry, has faced scrutiny and regulatory oversight. Concerns have been raised about the fairness of the terms offered, especially to vulnerable individuals. Court approval processes are designed to protect sellers, but it remains important for individuals to seek independent financial advice before making a decision. This ensures they fully understand the terms of the transaction and can make an informed choice that aligns with their long-term financial goals.
Despite the potential drawbacks, the service provided by RSL Funding fills a niche in the financial market. For individuals facing immediate financial needs or seeking greater control over their assets, selling structured settlement payments can be a viable option. However, due diligence, thorough research, and professional financial guidance are paramount to ensure a beneficial and responsible outcome.
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