After I won a lawsuit my lawyer put me in contact with John Darer of www.4structures.com to put my winnings into a structured settlement. Mr. Darer is supposedly an expert in setting up a structured settlement. The structured settlement that John Darer put me in is totally NOT sufficient for my needs. I explained this from the get go but Mr. Darer didn't seem to care. I am now stuck with small payments for the rest of my life, yet I can't pay my bills. The tax stuff was never explained to me by Mr. Darer. To be honest nothing was ever explained to me. It is very insulting that the judge and my lawyer thought that I wouldn't be able to do the right thing with my settlement, and they pushed me to deal with John Darer. I have tried to get Mr. Darer to change my settlement payment terms, but he just blows me off. I am so fed up with his snobby attitude. He treats me like he has made his money off of me and since he can't make a new settlement (and make more money) now I am just a pain to him. I even emailed him copies of my overdue bills, and he just ignored my emails. After about 20 calls to him begging for him to help me he told me to call JG Wentworth. I called them and the figure they gave me was only for a fraction of what my initial settlement was for. The JG Wentworth representative said that was the most that they could offer. They also said that "John Darer has a reputation in the industry for being an unprofessional, {{Redacted}} and a real jerk". WELL THAT'S JUST WONDERFUL! - LUCKY ME! I hope that this helps someone else out there not to trust John Darer with your settlement proceeds because I feel like I am being victimized over and over and over again.