I read on the Einstein Structured Settlements website that "In the USA the majority of personal injury cases as well as other lawsuits are settled (outside the court) through structured settlements. When you settle you need somebody to purchase your settlement for a lump sum because it’s your money and you want it now". When you settle you instantly want someone to rip you off for cents on the dollar? Yo my momma didn't raise no dummy and neither did yours. Forget these dumb dumbs from Einstein Structured Settlements. They don't know jack and give horrible advice that is harmful to your financial interest..