Un grand coup de la PNH
Le porte-parole adjoint de la Police nationale d’Haïti (PNH), Gary Desrosiers, a présenté récemment, à la Direction centrale de la police judiciaire (DCPJ), le bilan des opérations menées par la PNH du 1er novembre au 9 décembre. Des arrestations et des confiscations d’armes sont les principales réalisations de la PNH durant cette période.
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28 personnes sont arrêtées : quatre pour meurtre, cinq présumés kidnappeurs et deux accusés de viol. Deux mandats d’arrêt émis par la police internationale, Interpol, ont été exécutés par la DCPJ. La police nationale a aussi enregistré six cas de viol sur des mineurs et a recensé quatre cas de kidnapping. La PNH a procédé aussi à la confiscation de dix pistolets de calibre 9mm, quatre armes de poing de calibre 38, neuf fusils de cylindre 12, 20 cartouches 556, 145 tubes de gaz CO2.
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Who Buys Structured Settlements?
If you’re interested in selling the right to your future annuity or structured settlement payments, a business called a factoring company may be interested in buying it in exchange for a lump sum of cash. Factoring companies and individual investors who buy your structured settlement form the secondary market, which is highly regulated because the industry is so competitive. Sellers should consider several factors, including the quote offered and customer service record of a company, before choosing a company to buy their structured settlement.
How Do You Find the Best Company?
A simple search on the Internet will reveal numerous annuity or structured settlement buyers. There are many factors you should consider to choose the right one.
High-quality, trustworthy firms you consider should:
- Provide helpful customer service representatives and multiple ways to get in touch
- Make a competitive offer
- Present options for an immediate cash advance
- Be licensed and follow appropriate regulations
- Have a positive rating from the Better Business Bureau
- Offer a clear timeline for when you will receive money
- Have a proven record of customer satisfaction
- Demonstrate complete familiarity with state laws
- Provide transparent disclosure of contract information
- Recommend you to speak with a lawyer or accountant before making a decision
- Have positive customer reviews online or with their local Chamber of Commerce
- Have a low denial rate
- Show stability and financial health, as evidenced by a large number of structured payment purchases
You should never feel rushed, confused or taken advantage of during the selling process. If you do, it may be a red flag that you should not work with a certain factoring company.
Hiring a broker may help you through this process. Similar to a realtor’s role when you sell a home, a broker will help you sell your annuity for the best price, recommend annuity buyers they’ve worked with previously, and explain and complete paperwork on your behalf. If you decide to hire an annuity broker, make sure to ask about their brokerage fee and confirm they are certified and licensed.
Finding the Best Structured Settlement Quote
A key part of choosing a buyer for your annuity is how much they offer to pay you for the right to receive your future payments. Getting a quote is free and can easily be handled over the phone. When you sell your annuity, it is subject to a discount rate, or the amount you are willing to discount your total annuity worth by in order to get cash now.
How do Buyers Develop Structured Settlement Quotes?
Buyers evaluate a group of ever-changing factors to give you a quote, including:
- How much money is in your annuity
- When your annuity payments are due
- The number of payments you want to sell
- Current market rates
- The rating of the insurance company that issued your annuity
- Cost of fees or extra charges the insurance company may charge to initiate a transfer
What is the Process of Getting a Structured Settlement Quote?
Getting a structured settlement quote is a bit like applying for a car loan. For a loan, you provide a bank or creditor with financial information and get an interest rate tailored to your situation along with a payment plan.
The process for getting a quote is very similar:
- First, you provide the factoring company with your annuity information. This can be done via phone or online form. Annuity.org also has a calculator to help you determine the value of your annuity.
- Let them know how much of your annuity or how many payments you’re interested in selling.
- The factoring company will write you an offer based on the financial data attached to your annuity contract and current market rates.
- High-quality structured settlement buyers may also offer you a certain amount of cash up front.
Questions to Ask a Buyer
When you begin to vet structured settlement purchasers, don’t be afraid to interview them. These questions will help identify their expertise and capability to handle your case:
- With what agencies are you certified and licensed?
- When does my free quote expire?
- How much do you offer in cash advances?
- How long have you been in business?
- What fees are associated with your purchase of my annuity?
- How long will the selling process take?
- Will your attorneys take care of the selling process?