1st Choice Funding Protect Your "Interest From Interest" With Innovative Financial Solutions....Because Money Doesn't Come With Instructions
"No one pays much attention to how a person who has been injured is going to live while waiting for a case to go to trial. The legal system tends to put people who cannot afford to wait for their money at a disadvantage."
Have You Been Injured? Are You In A Lawsuit? Do You Need Money Today? Does It Seem As If The Delays Won't End And The Bills Never Stop? If This Describes Your Situation... Relax Because 1st Choice Funding Provides Innovative Solutions Designed Specifically to Solve Your Financial Situation
Is your financial situation described above? If so take heart because you're about to discover the #1 solution to solving the current financial crisis your enduring. Designed just for injured plaintiff's, an innovative program called "No Win...No Pay...No Risk" Lawsuit Loans is providing an innovative solution and 1st Choice Funding is here to position you with the opportunity to your own "No Risk" advance, an advance today based entirely on the anticipated future recovery of your settlement. Now with "No Win...No Pay...No Risk" Lawsuit Loans you can receive money in just days vs. waiting for an insurance settlement which may take months, or even years to receive, yes today while waiting for your insurance settlement you can have "Risk Free" cash in hand now! So what exactly is a Lawsuit Loan and how do Lawsuit Loans work for injured plaintiffs? Simply put a Lawsuit Loan is money offered by private investors who are investing in your lawsuits success, and by providing you with money today ahead of future settlement, you'll be provided with a remedy to the financial plight plaintiff's like you are forced to endure; first by circumstances and injuries beyond your control which impact your ability to maintain the same earnings capacity, and then later by the insurance company themselves who are in no hurry to settle your case because they want to settle for pennies on the dollar when you're more likely starved out. However with a "No Win ...No Pay ...No Risk" Lawsuit Loan you have the opportunity to obtain long needed cash in order to resolve any pressing financial crisis. Lets look at the amazing benefits "No Risk" Lawsuit Loans or "settlement advances" offer to you as the plaintiff:
Motor Vehicle Injuries
Passenger Injuries
Pedestrian Injury
Personal Injury
General Negligence
Civil Rights
Employment Discrimination Whistleblower (Qui Tam)
Product Liability
Construction Negligence
Mass Tort
Asbestos
Pharmaceutical Litigation
Airplane Accidents
Commercial Torts
Assaults
Commercial Appellate Settlements
Zyprexa Cases
Sexual Harassment
Boating Accidents
Tobacco/Smoking
Burn Injuries
Worker's Compensation Cases* (in most states)
Construction Accidents
Dog Bites
Jones Act Maritime/Seaman's Claims
Medical Malpractice
Motorcycle & Bicycle Accidents
Nursing Home Neglect
Premises Liability
Railroad Claims (FELA)
Wrongful Death
Judgments
Structured Settlement
Tractor Trailer Accident
Slip & Fall
Settled Cases
Toxic Mold
Wrongful Termination
Attorney Funding
Appellate Cases
Probate Cases
Select Canadian Cases
Lawsuit Loans is available in every state except Ohio
Workers Compensation Lawsuit Loans Are Available in;
Alaska
Idaho
Nebraska
South Carolina
Arizona
Illinois
New Hampshire Tennessee Indiana Texas Iowa Utah
Colorado Vermont Connecticut Louisiana North Dakota Delaware Maine Florida Georgia West Virginia Hawaii Michigan Rhode Island Wyoming
California Workers Compensation 3rd Party Cases
See Your State Not Listed Above? Then Look in the 2nd Category States Below....
Workers Compensation Lawsuit Loans Are Not Available For OH or CA
For Workers Compensation Cases in:
New York New Jersey Oregon North Carolina Arkansas Wisconsin Washington Washington D.C. Kentucky Oklahoma Michigan Minnesota Pennsylvania Kansas Massachusetts:
There’s no doubt about it, a "No Risk Lawsuit Loan is simply amazing because there is simply no program anywhere comparable to the benefits a "No Risk" Lawsuit Loan offers to injured plaintiffs! How so? Only a "No Risk" Lawsuit Loan puts cash in hand now giving you the financial staying power to survive the "starve out" tactics insurance companies play everyday with injured plaintiffs. ONLY a Lawsuit Loan provides 100% "Risk Free" money to an injured plaintiff and if your case qualifies and your a recipient of a Lawsuit Loan, and the unthinkable happens: you never receive settlement on your case, the Lawsuit Loan advance you received is never paid back! That's right even if your case is lost, 100% of the money advanced and the interest it earned is NEVER paid back, not one penny EVER! Only with a "No Risk Lawsuit Loan" can you be a winner no matter your cases outcome and only with money advanced in a Lawsuit Loan are you as the plaintiff winning 100% of the time, no matter your cases outcome, your a winner, a real first wouldn't you agree?
Only a "No Risk” Lawsuit Loan Provides Cash Today Without Risk and only with a Lawsuit Loan are there No Tricks or Gimmicks! 1st Choice Funding understands the legal system as well as the insurance industry, and as such we also know the financial hardship both create for injured plaintiffs, thus we offer the most innovative "Risk Free" solution to this paradox by offering to plaintiff's a portion of their anticipated settlement money through our "No Risk" Lawsuit Loan program. Note what Boston Bar Association Ethics Committee Chairman Gerry Cohen said as he summed up the financial plight litigants suffer in his summary of the litigation system:
"No one pays much attention to how a person who has been injured is going to live while waiting for a case to go to trial. The legal system tends to put people who cannot afford to wait for their money at a disadvantage."
While Mr. Cohen aptly describes your situation, 1st Choice Funding provides a solutions you can take to the bank! How so? Because everyday due to no fault of their own injured plaintiff's like you are subjected to pain and suffering, combined with never ending delays before settlement and you have the perfect environment for the insurance company to achieve the upper hand because by delaying settlement on a claim, the insurance company knows statistically your earning are effected and lessened, and less earnings elevate stress levels through the financial hardship they create. Combine these factors with simple economics that the longer the insurance company can delay settlement, the more interest they earn because they have billions of dollars which to earn interest with so for them its smart business, for you it’s a travesty of justice that this is an acceptable business practice allowed by our justice system. Now add financial hardship time creates which increases the likelihood you'll settle your case for far less than your case is worth if your financially pressed. Thus don't fool yourself the insurance company's study the statistics and with this information they know how to stack the odds against you as everyday hard pressed litigants like you fall to the "starvation methods" of fractional settlements offer create in increasing profitability.
What though happens financially to you when you're waiting for final settlement; 1st you wait for treatment, then wait for recovery, then wait for trial, then wait for judgment, then wait for compensation, and while your waiting for every phase of the process to proceed, your resources aren't waiting because nothing else in life waits: not the mortgage or rent, not the credit card payments, not the car payments, not the insurance premiums, not the utilities, not the groceries....
Nothing else in life waits, except a future settlement.
Thus the financial hardship plaintiffs endure for even basic necessities of life can become a challenge as delayed settlements create overwhelming financial demands and so the cycle continues, with the end result being another desperate plaintiff is "starved out" and forced by circumstances to accept a low dollar offer in order to obtain what seems like some kind of financial relief. Being “desperate & destitute” you're right where an insurance company wants you to be because desperate plaintiff's settle cases everyday for pennies on the dollar as fractional settlements are good for business as they increase insurance company profits significantly.
However with a “No Risk Lawsuit Loan" you'll be able to for the first time "level the playing field" because a "No Risk" Lawsuit Loan provides the cash you need to stay a float as it affords your attorney with the time needed to obtain full case collection so both you leave the settlement table a winner!
Depending on your injuries 1st Choice Funding provides cash advances from $5,000.00 (case value must be $50,000.00) to $500,000,000.00. After receiving supporting documentation, your attorney's cooperation is essential here, a funding determination will be made and you will be notified.
Why Should Your Attorney Cooperate With Your Request For Funding?
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 medical care, etc.
Fact 2- Attorney Violation:
An attorney who violates the laws of professional conduct risks discipline including penalties, injunctions or disbarment, and disbarment means a loss of an entire career. No attorney will accept such a risk in behalf of a client.
Fact 3- Attorney Mandates:
According to the American Bar Association, the States Bar, and the States Attorney Generals Office, only disinterested 3rd parties LEGALLY are permitted to issue a lawsuit loan.
Fact 4- Buying Time:
Most injured litigants do not have the financial where with all to endure both the loss of income due to an injury along with the time used by delayed settlements, with this “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 everyday unnecessarily.
Fact 5- Attorney Earnings:
Contingent attorneys earn significantly more money across the board when clients who receive a lawsuit loan are in the financial position to endure the insurance companies delayed settlement tactics. The facts show that lawsuit loans are good for plaintiffs and for counsel because when clients have the financial fortitude to buy the time needed, the "window of opportunity" then allows the attorney the time needed to work effectively in obtaining the maximum settlement for the case.
How Will I Know If My Case Qualifies for a Lawsuit Loan?
Here’s the Lawsuit Loan Criteria;
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- Strains, Sprains, Whiplash etc.
For Questions Not Answered On this Site call Toll Free 800.839.0939
1st Choice Funding assists litigants everyday like yourself through a difficult period in life. NEED PROOF? For testimonials on what this program has done please refer to our testimonials page by
Obtain Ongoing Advances In Certain Critical Care Cases
For Post Settlement Plaintiff Cases
If you've won your lawsuit and are waiting for collection, "No Win...No Pay...No Risk" Lawsuit Loans provide funding for post settlement plaintiffs cases too. Larger advances may be available through the "No Risk" Post Settlement Lawsuit Loans program. Irregardless in delays of payment or for cases on appeal, a Post Settlement Lawsuit Loan is available today through 1st Choice Funding's "No Risk" Lawsuit Loan solutions. "No Risk" Lawsuit Loans bridge the gap delayed settlements create, and 1st Choice Funding is committed to ensuring every litigant receives a
fair and equitable outcome despite insurance company stall tactics!
No Credit Needed for a Lawsuit Loan
No Monthly Payments on a Lawsuit Loan No
Employment Needed for a Lawsuit Loan No Collateral
Necessary For a Lawsuit Loan Affordable Rates**
1st Choice Offers FREE LAWSUIT CASE EVALUATIONS There's No
Obligation To Repay a Lawsuit Loan 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 are 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 Loan 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 a Lawsuit Loan at the lowest rate of
return available.
Our Lawsuit Loan programs are as follows:
1. All Lawsuit Loans clients pay a 20% fee of advanced amount on successfully funded cases. This is not on case settlement nor on cases not funded. To illustrate a $5,000.00 Lawsuit Loan will
incur a $1,000.00 fee added to the loan repayment
amount “if & when” funding and settlement occurs.
Depending on your case type, Lawsuit Loans
differ from case to case in interest rates. Each of our
interest/no interest programs are as follows, and prior to
receiving a "No Win...No Pay...No Risk" Lawsuit Loan, you will be advised of the investor's Lawsuit Loan
program rates who provides you the lowest cost of contingent return. We offer
2. 3.5% Work comp
interest compounded monthly on Lawsuit Loan 3. 2.9%
Interest compounded monthly on Lawsuit Loan 4. 5%
Simple Interest monthly on Lawsuit Loan 5. 8%
Interest compounded monthly w/ a 6 mo minimum on Lawsuit Loan 6. 10% Simple Interest on the Lawsuit Loan 7. 0%
Interest for plaintiff's who sell a portion of
their lawsuit. 8. 39% Annual Interest
10. 3.99% Compounding Lawsuit Loan Interest 11. 5.99% lawsuit Loan Compounding Interest
All set up and interest fees are only due if and when settlement occurs and that's the beauty of a "No Risk" Lawsuit Loan. As professional
financial consultant's 1st Choice Funding is here to protect your
financial interest by offering the widest variety of programs
available anywhere. Depending on the type of lawsuit you have, and the
amount of Lawsuit Loan 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 in achieving a financially sound plan as our "No Risk" Lawsuit Loan is one phase in assisting you in achieving financial recovery.
An ever growing trend in the arena of 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 “lawsuit loans” as they are most frequently referred to as.
For opponents their position on the lawsuit loan debate is clear, lawsuit loans they say are “usurious” and “lawsuit loans exploit litigants at a time when they are most vulnerable”. Opponents use terms like “usurious” or “champery” to describe what they feel a lawsuit loan is. For most of the populace though terms like “usurious” or “champery” are not used in everyday conversation, however in legal circles such terms refer to activity that exploits, and exploiting is illegal no matter the cause.
For supporters their position in this debate is also clear: “opposing a lawsuit loan is objectionable and is the result of an uninformed mind. When opponents blanket a long needed and valuable service like a lawsuit loan with emotionally offensive terms like “exploitive or illegal” they do so because they “don’t have the facts. Sadly it seems many don’t seem to want the truth either” say supporters.
Now despite the gridlock it appears both sides do agree on this one fact; exploiting hardship is nothing new and is definitely not limited to the arena of a lawsuit loan. So then the questions remain; Are all lawsuit loans exploiting hardship? Are lawsuit loans illegal? If so “Why do many attorneys support their clients in obtaining them? What are the facts about a lawsuit loan and how do such facts affect your decision and opportunity to obtain a lawsuit loan?
Consider the following regarding this heavily debated issue and then decide for yourself whose side of the Lawsuit Loan issue you stand on;
Fact 1 Legal Ethics:Attorneys are legally and ethically barred from assisting clients financially. No matter what financial hardship a client is enduring, the attorney of record can not assist a client with personnel or living expenses. Attorneys may only incur expenses for filing fees, expert testimony, or medical care in behalf of the plaintiff.
Fact 2 Only Disinterested 3rd Parties: - ONLY disinterested 3rd parties are by law in every state LEGALLY permitted to issue a lawsuit loan to a plaintiff for living expenses, and the lawsuit loan investor may secure such an advance by a lien filed on the case at the time of issuance.
Fact 3 Professional Disbarment: An attorney who violates the mandates on lawsuit loans risks severe professional discipline including; penalties, injunctions or disbarment. No attorney will accept such a risk in behalf of a client.
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 lawsuit loan is a risk to the investor who makes such an advance and risk and interest rates are directly related to each other in an 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 a lawsuit loan 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 lawsuit loan are in the financial position to endure insurance companies delayed settlement tactics. The facts show that lawsuit 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 loan interest rates vary greatly depending on the investor. Because not all lawsuit loan 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 loan. Only a professional financial consultant is trained to most effectively represent a client in securing a lawsuit loan and only a professional financial consultant can assist a client in obtaining the least expensive return on a lawsuit loan. 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 lawsuit loan issued.
At the center of the controversy over the lawsuit loan issue isn’t the fact that plaintiffs receive money based on future settlement, but rather on the fact that a lawsuit loan accrues interest, interest which is only paid along with the advance when and if the case settles.
Now for a third party investor (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 to not be compensated for the risk they assume, is not realistic. Ironically these same opponents have been polled regarding the return they would want if it was their money that was invested in these 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 some opponents that another underlying reason though not expressed outright is the real reason such object to a lawsuit loan? You decide.
For a private investors who offer a lawsuit loan such are on average compensated 50-55% of the time on the cases they invest in. Thus built into the interest return is the risk they assume as well as the loss ratio on each lawsuit loan. 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 to keep the investor solvent.
Why then would a competent attorney refuse to direct a client who may be in the midst of financial crisis to a lawsuit loan? Opponents assert issues such as; “The interest accrued 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 a lawsuit loan may 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 a lawsuit loan, which proves to be to the client’s detriment as well as the attorneys, some attorneys have gone even farther and refused to cooperate with a client who seeks a lawsuit loan entirely. Well meaning attorneys feel convinced their client’s financial interests are being exploited by a lawsuit loan. However the attorney in actuality is jeopardizing their clients relationship because the client will take their case to an attorney who will represent them as well as assist them in obtaining financial staying power through a lawsuit loan. Thus in the end what did the attorney gain by opposing the clients in acquiring a lawsuit loan?
Sorting through all the issues still the question remains: Are clients being exploited by a lawsuit loan? To answer this question let’s examine 1st Choice Funding and the lawsuit loan program they offer called “No Risk” Lawsuit Loans. Let’s see if the opponents to lawsuit loans have merit in their argument.
Because a lawsuit loan is called a loan the question is “Are lawsuit loans a loan”? Now in order to answer the question fairly, let’s compare a lawsuit loan to a traditional loan. Review the facts then 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- 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 with a “No Win…No Pay…No Risk” Lawsuit Loan are recipients offered money from private investors based on the likelihood of success and are offered such at conservative amounts of 10% of the anticipated recovery. 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.
Now when hastily comparing “No Risk Lawsuit Funding” to “traditional bank loans” this is not an “apples to apples” comparison, but rather an "apples to oranges" comparison, now which one is the apple and the orange depends on your position regarding a lawsuit loan. If you’re interest rate sensitive then a credit card or 2nd mortgage is more to your liking. But with the incredible advantages “No Risk” lawsuit loans offer; like money today without risk, and interest rates averaging 3-5% per month, then a lawsuit loan is your best option. If not being strapped with more monthly debts plus being relieved of a repayment obligation if you loose your case is more to your liking, then a “no credit needed- no monthly payments ever- no risk lawsuit loan” is most definitely your preferred option.
Everyday thousands of litigants are joining the proponent side of the lawsuit loan issue and are part of the swelling list of supporters who not only have benefited by a lawsuit loan but clearly feel others should have the right to benefit from a lawsuit loan 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 a lawsuit loan and the investor never interferes with nor jeopardizes the cases integrity at any time.
FACT II- Clients are provided with a lawsuit loan contract which discloses all repayment costs in full. This information is provided prior to the lawsuit loan 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 a lawsuit loan’s terms before a client signs the contract, all disclosures are made prior to the lawsuit loan’s execution.
FACT IV- Attorneys hold no financial responsibility for repayment on cases unsuccessfully litigated which cases have received a lawsuit loan against.
FACT V- No terms supersede the original executed lawsuit loan contract without consent of all parties involved. There are no later surprises on a No Risk Lawsuit Loan.
FACT VI- Attorneys hold no financial responsibility for repayment on a client’s lawsuit loan, 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 lawsuit loan 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 a lawsuit loan, 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 a “No Win…No Pay…No Risk Lawsuit Loan.” A lawsuit loan from 1st Choice Funding is your 1st step to a smarter financial future. 1st Choice Funding provides your Financial Bridge.
