Are You in a Lawsuit Currently Because You've Been Injured? Are You In Need Money Today And Not When The Insurance Company Decides to Pay You? Does It Seem As If The Delays Won't Ever End... And The Bills Don't Ever Stop? If This Describes Your Situation...Relax Because 1st Choice Funding Has The Most Innovative Solution In A Program Specifically Designed to Assist Injured Plaintiffs Through "No Win...No Pay...No Risk Lawsuit Loans"
Is your financial situation is described above? If so take heart because you're about to discover the most effective “Risk Free” solution to resolving the current financial crisis. In fact so comprehensive is the solution to you r problem its design is exclusively for you, the injured plaintiff. It’s by means of an innovative program called "No Win...No Pay...No Risk" Lawsuit Loans and by means of this program, 1st Choice Funding positions injured plaintiff's with the ability to obtain "No Risk” Lawsuit Loan cash now! What are “No Risk” lawsuit loans? Simply stated lawsuit loans are not really a loan at all but are instead an advance based entirely on “anticipated future recovery” of a lawsuit settlement and nothing more. Only "No Risk" Lawsuit Loans deliver money in days vs. waiting for insurance settlements which at times take months at best to receive. That's right, today while waiting for an insurance settlement you can obtain "Risk Free" cash in your hand without risk! Are you saying "this sounds too good to be true"? If so read on my friend and become informed about an unheard of opportunity, an opportunity unique to resolving your pressing situation regarding a pending lawsuit.
To understand what "Lawsuit Loans" are and how do they work for injured plaintiffs here are more details. Lawsuit Loans are not loans, but money offered by private investor(s) who after evaluating your case see potential lawsuit success, and as a result, offer to you as the plaintiff with needed cash ahead of a potential future settlement. Lawsuit Loans are the remedy to the financial plight you've been forced to endure and as a suffering plaintiff, you now know injuries take their toll on your income. To make matters worse insurance company’s are in no hurry to settle your case for its real value. Why though do they delay? Isn't deliberately delaying your settlement illegal? Here are the facts, evaluate each then decide for yourself whose exploiting the legal system as your caught in the center of the corruption.
Fact 1. You must reach MMR short for maximum medical recovery. MMR takes time, which then provides the window of opportunity the insurance company needs to in fact cover the real issues.
Fact 2. Rather than settling your case for the full value of the damages you’ve sustained, the insurance company you’re now pursuing damages from seeks to settle your claim for "pennies on the dollar", which won't happen unless a claimant either “settles” before an attorney becomes involved, or is so desperate financially even after an attorney is involved that out of desperation, a reduced offer is accepted. Fact 3. "Pennies on the Dollar Settlements" occur statistically when you're "most likely to be starved out" financially, which means months or years down the road you’ll be right where they want you to be…vulnerable. Remember as long as you’re in treatment you have not reached MMR, so they still have the "legal loophole" to exploit your financial interests as such exerts the pressure they are seeking to capitalize on.
Fact 4. Delayed settlements earn interest for the insurance company as long as they control hundreds of millions of dollars at a time, which is the mechanism the insurance company earns interest with. Thus the longer they maintain control of settlement monies, the more interest they earn as interest at the volumes of capital in their resources generates tens of millions every year just in interest earnings alone.
Fact 5. The longer the insurance company delays settlement the more interest they earn which means when they do compensate you, by maintaining control of your money for the length of time they have, they actually loose nothing in most instances because the interest earned equals or dwarfs the settlement itself. Very clever wouldn’t you agree?
Thus the profound observation by the Boston Bar's Association Ethics Committee Chairman Gerry Cohen as he summed up the financial plight litigants endure when he went on record to say:
While Mr. Cohen aptly described the litigation process and the plight such creates for plaintiffs, 1st Choice Funding goes farther, much, much farther as we provide an innovative financial solution you can take to the bank! Each and everyday 1st Choice Funding assists injured plaintiffs, like yourself, who also are enduring the "never ending delays syndrome" but who have been put on the road to financial survival thanks to lawsuit loan.
With “No Risk Lawsuit Loans" you can for the first time in the litigation process actually begin to "level the playing field" because "No Risk" Lawsuit Loans provide you the cash needed to stay afloat as you're provided with the funds needed to pay for life's necessities. Plus a lawsuit loan assists your attorney at the same time by “buying” your attorney he o she needs to obtain full case collection. Why is this of such great importance? Because full case collection means both you and your attorney leave the settlement table a winner, and Lawsuit Loans directly help you while indirectly helping your attorney because when an attorney works on a contingency, which means the attorney is only paid if a win occurs, then with the principles of simple math you can clearly see why your obtaining a lawsuit loan is in your attorney's best interest too, because without available money you may be forced to settle "today" which could mean the difference between tens or even hundreds of thousands of dollars more in additional settlement money! Remember financial vulnerability is not where you want to be and should never be where your attorney deliberately allows you to be placed because as the old saying goes, "a chain is only as strong as it's weakest link" thus financial pressure is not wise for you and the recovery process but is equally as unwise from a business stand point for your attorney.
Depending on the injuries and damages sustained (NO Soft Tissue injuries) Lawsuit Loans begin at $5,000.00 and are unlimited thereafter, and basic mathematical principles of the Lawsuit Loan is each is determined on a 10% of a conservative settlement value, which is what is available in a lawsuit loan. In order to qualify for a Lawsuit Loan you must: 1. Have an attorney, 2. Attorney must be on a Contingency Agreement (meaning if you don't win they don’t get paid) and 3. Suit must be against an insurance company or a self insured company. 4. The bottom line is your suit must be against a source who can be collected on if a verdict is in your favor.
In order to obtain Lawsuit Funding your attorney must be in agreement and cooperative. We recommend before beginning the Lawsuit Loan process, provide your attorney with a clear picture of your financial situation. In order to proceed with a Lawsuit Loan your attorney must cooperate, 1st Choice Funding MUST have 100% cooperation at all times because without such trust our investors will not provide the "crucial link" to the money for you. Thus letting your attorney know your financial situation and getting them on the same page is of ultimate importance for you and if your attorney is reluctant to cooperate, or negative about your decision to request a Lawsuit Loan, please direct them to our website or have them call us and we will be more than happy to help them better understand how you and they both are being benefited by your receiving a lawsuit loan.
Sure there’s a possible expense if you win, but if you don’t you won anyways, so what is that worth when you need it most?
If a private investor finds after analyzing your case, your lawsuit qualifies for a lawsuit loan, you have 2 entities on your side: your attorney as your first line of defense and 1st Choice Funding and our investor portfolio as your second. Thus for the 1st time since the litigation process began can you being to "level the playing field" which before was clearly stacked against you but now, with our resources at your disposal, you have the staying power the insurance company has not built into their "starvation statistics"!! R Lets Look at Some of The Amazing Benefits "No Risk" Lawsuit Loans Offer:
There’s no doubt about it "No Risk Lawsuit Loans simply are amazing and there's no program anywhere comparable to the benefits "No Risk" Lawsuit Loans offer to injured plaintiffs! Only "No Risk" Lawsuit Loans put cash in your hand now giving you the financial staying power to survive the "starve out" tactics insurance companies play everyday with injured plaintiff’s and ONLY Lawsuit Loans provide 100% "Risk Free" money to injured plaintiffs. If your case qualifies and you’re a recipient of a Lawsuit Loan and the unthinkable happens, you never receive settlement on your case, the Lawsuit Loan is never paid back, it's that simple! That's right even if your case is lost, 100% of the money advanced and the interest it earned are NEVER paid back....not one penny... EVER! Only with "No Win...No Pay...No Risk Lawsuit Loans" are you a winner no matter your cases outcome because ONLY with money advanced from a Lawsuit Loan are you as the plaintiff winning 100% of the time no matter your cases outcome! That's a real first wouldn't you say? It’s about time someone was on the “little guys” side wouldn’t you agreed? Well 1st Choice Funding is and we're here to prove it!
Need More Information about Lawsuit Loans? Please Continue Reading.....
Here are the facts;
Only "No Risk” Lawsuit Loans Provides Cash Today Without Risk, No Tricks or Gimmicks and we're not kidding because 1st Choice Funding understands what your up against. We understand the legal system as well as the insurance industry and we also know the financial hardship both create for injured plaintiffs. That's why we have worked tirelessly to develop the most innovative "Risk Free" solution to this paradox while offering to plaintiff's a real solution. Lawsuit Loans are the answer to the financial plight injuries and lost income, and the litigation process leave behind.
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's medical care.
- 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.
Any attorney who violates the mandates regarding assisting clients financially risks professional discipline including; penalties, injunctions or disbarment. No attorney will accept such a risk in behalf of a client no matter how they may personally feel about their clients needs.
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 a venture capital situation.
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.
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.
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.
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.
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.
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
For Questions Not Answered On this Site call Toll Free 800.839.0939
How Does a “No Win…No Pay…No Risk” Lawsuit Offer a Better Solution?
1st Choice Funding assists litigant’s 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
If you've won your lawsuit and are waiting for collection, "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.
What Does a "No Risk" Lawsuit Loan Cost?
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.
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 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. 2.99% Interest compounded monthly on a Lawsuit Loan
4. 5% Simple Interest monthly on Lawsuit Loan
5. 8% Interest compounded monthly w/ a 6 mo minimum on a Lawsuit Loan
6. 10% Simple Interest on a Lawsuit Loan
7. 0% Interest for plaintiff's who sell a portion of
their lawsuit.
8. 39% Annual Interest
9. 3.99% Compounding Lawsuit Loan Interest
10. 5.99% 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 “exploitative 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;
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 Win…No Pay…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 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.
Protecting Your Financial Interest When Acquiring a Lawsuit Loan
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 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.
